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What is the best Life Time Free (for all) Credit Card?

Apply For Lifetime Free IDFC First Credit Card
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S S V said:
Actually nothing fancy ... usual way only.. thru ULIP..
I did cost benefit analysis .. and went for this option... its a guranteed Infinia thru ULIP..
I opted for Discovery Fund... 5 years lock in period...

This option is much better for me rather than keeping 15L FD and 8L in SB account..
I am not sure when will I fulfill ITR criteria for Infinia .. and also it is a long long journey going thru usual upgrade journey .. I need to spend heaps as well on the present cards... which undoubtedly will contain some forced spending ...

Moreover, with this ULIP and Infinia, my Imperia status will be maintained.. I can withdraw all my funds now..

This ULIP will be one type of Investments for me ... I can now free up my 23L from my HDFC accounts and invest elsewhere...

Thanks guys for all your support in my journey .. I learned heaps thru this forum...
I started my HDFC journey about 8 months ago.. now fulfilled my goal of having Infinia.. may be not the ideal way for many.. but for me it suits well...

I opted this Discovery Fund....

Actually as switching is allowed for free, I will manage this ULIP as well depending up on market conditions to maximise the returns... and its tax free as you all know...
I will treat this as one of my diversified potfolio....

View attachment 38101
Click to expand...
Puspha jhuk Gaya sala 🤭😅
 
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S S V said:
Actually nothing fancy ... usual way only.. thru ULIP..
I did cost benefit analysis .. and went for this option... its a guranteed Infinia thru ULIP..
I opted for Discovery Fund... 5 years lock in period...

This option is much better for me rather than keeping 15L FD and 8L in SB account..
I am not sure when will I fulfill ITR criteria for Infinia .. and also it is a long long journey going thru usual upgrade journey .. I need to spend heaps as well on the present cards... which undoubtedly will contain some forced spending ...

Moreover, with this ULIP and Infinia, my Imperia status will be maintained.. I can withdraw all my funds now..

This ULIP will be one type of Investments for me ... I can now free up my 23L from my HDFC accounts and invest elsewhere...

Thanks guys for all your support in my journey .. I learned heaps thru this forum...
I started my HDFC journey about 8 months ago.. now fulfilled my goal of having Infinia.. may be not the ideal way for many.. but for me it suits well...

I opted this Discovery Fund....

Actually as switching is allowed for free, I will manage this ULIP as well depending up on market conditions to maximise the returns... and its tax free as you all know...
I will treat this as one of my diversified potfolio....

View attachment 38101
Click to expand...
Being a trader in the stock market myself, although it might guarantee the Infinia credit card but it is definitely not the way to get Infinia atleast for me.
 
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RAMDV said:
Being a trader in the stock market myself, although it might guarantee the Infinia credit card but it is definitely not the way to get Infinia atleast for me.
Click to expand...
Everyone is different... everyone's financial apetite is different .. and this way is not for everyone...
In the market , we will have all different kinds of participants...as you know
 
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RAMDV said:
Being a trader in the stock market myself, although it might guarantee the Infinia credit card but it is definitely not the way to get Infinia atleast for me.
Click to expand...

For people who can get Infinia thru traditional ITR way.. this is option is not at all suitable for them...

I don't want to drag this Infinia thing on me which is taking much of my precious time .. hence I chose the best available option for me.. even from economics point of view I am not losing anything considerable factoring all the components and including emotional costs as well
 
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