Why I am no longer Craving for HDFC Infinia?

[ujjwal2024]

I have HDFC Credit card since 10 years...HDFC is my first credit card..I started with teachers card....then 2-3 upgrade and Now I have Regalia Gold LTF
Now after reading so many posts about Infinia , I started to feel I am missing something great..
Then I started to think I should get it...
1) I upgraded my normal 10K account to 2L MAB preferred account...open account of my wife and mother....But RM referred to a credit card dept person who told he can manage DCB LTF for me...but Infinia he can not manage as My salary should be over 3L..
2) Applied over mail. they did not tell anything salary but tell criteria of existing card limit of 8L and last 6 month spend of 7.5L. I have the limit but not the spend.

Then started to read more about the benefit
What I have understood
My current LTF, regalia gold gives 4RP /150 whereas infinia give 5RP/150...Now these points are never for cash conversion....these are for hotel and airmiles..
Now, for accor hotel Gold and Infinia conversion rate is same i.e 2:1 airmile infinia is double than gold
And, I check that for Accor group Axis card is better and for marriot AMEX is better in normal spend

Where Infinia excels is in smartbuy...but in Regalia also, I am getting same benefit only 1RP less than Infinia..
In conclusion, I will be loosing in airmiles only...but My aim is mostly for Hotel....

Now, with my spend, I can easily achieve same benefit using Regalia gold and other bank cards.. So, If my salary increases and in some special year, my spend in regalia exceeds the threshold, I will be offered Infinia by their system automatically, then I will take it...
Othwerise, I will not loose that much...
So, I do not have any FOMO for Infinia as I have Regalia gold already along with other cards...
But I will take it if offered with fee also

 

[Hemang]

I think so as the network is different, they simply may delay and will make you spend more which you may do (some of it) unnecessarily
What I have understood
1) If your income is high >3L and salary account with them you will get it
if you do not have high salary
1) Your existing credit limit more than 8L and and your last 6 month spend is very high 6L-8L
Now getting Infinia is easy, just go up to Regalia gold normally and then Do high spend for 2 consecutive 6 months period and voila you will get invitation.
But my question is Why I will spend if I do not require it
So, lastly, If you are eligible (high salary, normally spend high) you will get Infinia...not that difficult...
But problem is without the fulfilling criteria and ready for the card (means due to lifestyle spend is high) we are looking to take it as it is best card (as our perception)

I can get Infinia, then I have to stop spending on AMEX, AXIS, SBI...I do not want to do that as, as per my calculation in combined use, I am getting more that I could have got if I only spend on Infinia..

So true. I also have distributed among different cards so as to get maximum rewards.

 

[Ned_Starks_Head]