HDFC INFINIA CREDIT CARD Rewards

It’s correct you can Redeem only 70% of your points rest you need to pay

The 30% payment by card holder + 70% by points is a standard procedure by HDFC.

As for if it is the best use of points, can't say. I typically use my points for travel purchases (airlines and/or hotel stays).

Other option for good value would be if used for travel redemption

once in a year , hdfc give offer for amazon vouchers at 0.70 p instead of 0.5. its better. 

https://www.desidime.com/deals/hdfc-bank-smartb...

if used for travel/hotel then on 30% paid by card u get 10x again(daily/monthly limits applicable) - this is the best way to redeem

for tanish voucher too you get 5x RP on 30% spend because it's done on smartbuy afterall?

Anybody who has infinia can let me know how to upgrade from regalia. I have a high balance (3-5L) in my HDFC account but ITR is 12L. Hence, facing problem. If anyone can help in sharing if there's any way to upgrade from Regalia to infinia. I'd be indebted

jain01010199 wrote:
Anybody who has infinia can let me know how to upgrade from regalia. I have a high balance (3-5L) in my HDFC account but ITR is 12L. Hence, facing problem. If anyone can help in sharing if there's any way to upgrade from Regalia to infinia. I'd be indebted

Try to get your credit limit raised..once it crosses 8L, u can try raising it with cc. Till then keep using regalia and keep the utilization ratio, not above 30%.

caks2006407 wrote:

if used for travel/hotel then on 30% paid by card u get 10x again(daily/monthly limits applicable) - this is the best way to redeem

So, on the 30% paid from our end we get 10X RP? That's a good deal.

bohemian wrote:

once in a year , hdfc give offer for amazon vouchers at 0.70 p instead of 0.5. its better. 

https://www.desidime.com/deals/hdfc-bank-smartb...

Will this offer available every year between September 23 to September 25?

NeoM wrote:
Will this offer available every year between September 23 to September 25?

No fixed date or month, usually sept oct

jain01010199 wrote:
Anybody who has infinia can let me know how to upgrade from regalia. I have a high balance (3-5L) in my HDFC account but ITR is 12L. Hence, facing problem. If anyone can help in sharing if there's any way to upgrade from Regalia to infinia. I'd be indebted

mostly they will look for high ITR of around 36L
OR high spends on existing HDFC card (around 7.5L in last 6 months) with good existing limit (8-10L)
OR give then high value FDs (15-20L)

NeoM wrote:
Will this offer available every year between September 23 to September 25?

Its random and you may not even get notification of the offer
In 2021, offer was for 1st to 3rd Oct
In 2022, 23rd to 25th Sep

kunalaggarwal82906 wrote:
Its random and you may not even get notification of the offer
In 2021, offer was for 1st to 3rd Oct
In 2022, 23rd to 25th Sep

Yes, that's what I was thinking too. How did you come to know about the offer this year?

bohemian wrote:
No fixed date or month, usually sept oct

How did you get to know about the offer this year?

NeoM wrote:
Yes, that's what I was thinking too. How did you come to know about the offer this year?

by following right people on twitter

NeoM wrote:
How did you get to know about the offer this year?

From desidime and smartbuy banner. No alerts as such

kunalaggarwal82906 wrote:
by following right people on twitter

Can you share their names?

bohemian wrote:
From desidime and smartbuy banner. No alerts as such

Oh, okay. Next time when you get to know about the offer, please tag me.

jain01010199 wrote:
Anybody who has infinia can let me know how to upgrade from regalia. I have a high balance (3-5L) in my HDFC account but ITR is 12L. Hence, facing problem. If anyone can help in sharing if there's any way to upgrade from Regalia to infinia. I'd be indebted

almost same situation, ITR 11L, credit limit of Regalia is 5L ... haven't even got upgrade to DCB yet, been more than 1.5 years now

DTH recharge option has disappeared from infinia rewards

waterloo wrote:

DTH recharge option has disappeared from infinia rewards

Yes .. there was a notification on smartbuy website . Permanently removed 

jain01010199 wrote:
Anybody who has infinia can let me know how to upgrade from regalia. I have a high balance (3-5L) in my HDFC account but ITR is 12L. Hence, facing problem. If anyone can help in sharing if there's any way to upgrade from Regalia to infinia. I'd be indebted

I've an infinia with 11.5L limit. Previously used to hold regalia and utilized at least 10L in the past 1 year and they've offered me regalia since 2019 end.. Due to covid I didn't opt for upgrade and now upgraded to Infinia metal. So, to sum it up.

1) Try upgrading SB to Preferred or Imperia(friend has imperia and got infinia)

2) Utilized 80% of limit every month

3) Try to spend 7.5L in previous 6 months.

4) Talk to RM casually and see if you're eligible for an upgrade

5) Regalia limit should exceed 8L

6) Don't accept diners black even if they offer. 

I would request you not to fill the form since the ITR is 12L. No need to go after HDFC for infinia, unless your lifestyle is extremely extravagant I see no reason to upgrade to Infinia. Post devaluation it's not of much use except for the metal status. Wish you all the best.

harshak9045 wrote:

I've an infinia with 11.5L limit. Previously used to hold regalia and utilized at least 10L in the past 1 year and they've offered me regalia since 2019 end.. Due to covid I didn't opt for upgrade and now upgraded to Infinia metal. So, to sum it up.

1) Try upgrading SB to Preferred or Imperia(friend has imperia and got infinia)

2) Utilized 80% of limit every month

3) Try to spend 7.5L in previous 6 months.

4) Talk to RM casually and see if you're eligible for an upgrade

5) Regalia limit should exceed 8L

6) Don't accept diners black even if they offer. 

I would request you not to fill the form since the ITR is 12L. No need to go after HDFC for infinia, unless your lifestyle is extremely extravagant I see no reason to upgrade to Infinia. Post devaluation it's not of much use except for the metal status. Wish you all the best.

Thank you for the detailed input buddy.   I was of the opinion that infinia gives 10x rewards which equates to 33.3% cb (subject to limits)

After devaluation what is the effective cashback rate for infinia on Flipkart/az?

jain01010199 wrote:
Thank you for the detailed input buddy.   I was of the opinion that infinia gives 10x rewards which equates to 33.3% cb (subject to limits)

After devaluation what is the effective cashback rate for infinia on Flipkart/az?

Nope. They've devalued drastically. If you use flights, hotels uniformly then there are chances of getting up to 15%. For now they've removed Amazon from smart buy so there's no 5x RP. For FP, I think 3x or 5x. 

If you're not spending 10L every year and paying 12,500 + GST you'd be able to recover the GST amount through all these RP.