Should I upgrade from Regalia to DCB/infinia?

[Srinath17]

Hi

1) I currently have HDFC regalia card with a limit of 14 lakhs. The rewards seem to be getting too low. Should I upgrade to DCB or Infinia for better rewards?

I don’t travel as frequently as pre covid. I use Cc for all my expenses and bill payments. Need to know if the upgrade is worth it.

2) I have Mainly used the RP to buy Croma/RIL digital vouchers to buy electronic stuff till now. Don’t know if I am using the points optimally till now.

Need opinion on both these fronts.

Thanks and Regards
Srinath

 

[Gkcards]

of course upgrade to infinia. even if it's not LTF, u pay only GST in a way as fees you get back as points. So GO for it

 

[gurubhai]

Only go for infinia if you travel via flight through some extent to get maximum benefit.

 

[Srinath17]

Only go for infinia if you travel via flight through some extent to get maximum benefit.

Other than travel do they give a better value for RPs?

 

[Srinath17]

of course upgrade to infinia. even if it's not LTF, u pay only GST in a way as fees you get back as points. So GO for it

Can u please elaborate or share a article comparing the advantages of infinia over regalia?

 

[Gkcards]

Can u please elaborate or share a article comparing the advantages of infinia over regalia?

infinia reward point value is 1Re whereas regalia is 50p. plus you get more points per rupee spent on infinia. check on hdfc bank website

 

[Slayer]

Can u please elaborate or share a article comparing the advantages of infinia over regalia?

Infinia's base reward rate > Regalia

To get 1 point = 1 rupis then you need to book a flight or buy tanishq vouchers or buy any apple product through smartbuy

To get the maximum value from Infinia then you have to be a frequent flyer like roughly 15 flights a month

 

[gurubhai]

but if you book 15 flights a year, you can still get a decent benefit out of paid infinia which is far better than regalia. 😅
.
15 flights a month means you have squeezed Infinia to its its maximum limit😅

 

[Slayer]

but if you book 15 flights a year, you can still get a decent benefit out of paid infinia which is far better than regalia. 😅
.
15 flights a month means you have squeezed Infinia to its its maximum limit😅

Yeah that's why i had written maximum value 😅


Kind of salty that they declined my father for Infinia due to 'internal policies' even when his spends would be like 20L throughout the year

And he can't be bothered - so he did not haggle with hdfc 😕
😕

 

[gurubhai]

Yeah that's why i had written maximum value 😅


Kind of salty that they declined my father for Infinia due to 'internal policies' even when his spends would be like 20L throughout the year

And he can't be bothered - so he did not haggle with hdfc 😕
😕

You didn't threatened them that you will stop using it or various other methods used by other members here?

 

[Slayer]

You didn't threatened them that you will stop using it or various other methods used by other members here?

He never had any hdfc card for some reason - he holds AmEx Plat Reserve, Plat Travel, BPCL Octane

2 hdfc accounts - total 25 years old
1 hdfc accounts (mother's) - 3 years old

Knows the branch manager still declined even when assured spends of 20L a year - they said they would issue DCB but i guess he's 50-50 about it

Is the 7.5L spend on DCB to get Infinia upgrade foolproof?

 

[Slayer]

Then again reading DCB issues - he will just stop using that if it fails for more than 2 times 🤣 🤣 🤣 🤣 🤣

Also he does not care for FYF Infinia - paid infinia would work fine considering he will be getting unlimited lounge access

 

[gurubhai]

He never had any hdfc card for some reason - he holds AmEx Plat Reserve, Plat Travel, BPCL Octane

2 hdfc accounts - total 25 years old
1 hdfc accounts (mother's) - 3 years old

Knows the branch manager still declined even when assured spends of 20L a year - they said they would issue DCB but i guess he's 50-50 about it

Is the 7.5L spend on DCB to get Infinia upgrade foolproof?

Yes. I have read this on this forum here. 7.5L in 6 months.
I think they won't issue Infinia as first credit card, may be thats why they decline.
But if he has ITR > 40L he can still get it easily but may be after 6 months.
.
Also for me, DCB has not declined not even once in offline mode🤞. From sweet shops to normal saloon, to dentist, to movie ticket booking on counter, to petrol pumps. And in online mode, it works perfect. I live in teir 2 city. May be go for it if they offering LTF.