HDFC Infinia Metal offered

149°
Deal Subedar
kingkhan9

Guys Currently I have Regalia LTF. I received an offer for Infinia Metal card. But it is not life time free. Also, I was told that my reward point on Regalia will be converted at the rate of 50%.

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1. Can you please suggest is it worth upgrading from LTF to a paid one?

2. I do spend over 10 lakhs per year on CC, but that covers all payments like insurance, utility bills, school fees etc. Does that fit in if I start using this Infinia as main card?

PS: I do have IDFC First Select credit card LTF, My wife have Regalia LTF, My father have IDFC Wealth card (infinite) LTF

I should stop using all these to get the benefit of this Infinia. Is that worth in terms of IDFC wealth rewards compare to Infinite?

Please guide me. Thanks

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Deal Cadet Deal Cadet
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Pls go with infinia if offered.. Its nothing like it having infinia.. Iam it's user since 3 yrs and paid since then.. Iam completely satisfied with it.. Will be happy to help over DM on specific queries

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Deal Cadet Deal Cadet
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Pls go with infinia if offered.. Its nothing like it having infinia.. Iam it's user since 3 yrs and paid since then.. Iam completely satisfied with it.. Will be happy to help over DM on specific queries

Benevolent Benevolent
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Yes.

Benevolent Benevolent
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if you can't spend 10lacs pay the fees and get 12500RP, so it's not a big loss, 3 add ons free and unlimited lounges for add on holders too.

Good only if you travel frequently or at least once in 2-3 months

I feel IDFC wealth is better as their RP are easier to redeem and almost same rewards as Infinia

Finance Mentor Finance Mentor
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Do tell me how can you get 15-30% reward rate from IDFC wealth as it is only possible with Infinia.

Also, even if you travel once in 3 years...Infinia is the card to get.
Generous Generous
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@kingkhan9, Infinia is one of the super premium credit cards and if used efficiently, it can reap massive rewards

one question though, I too have Regalia LTF, what's the credit limit you're having and how much approx. did you spend in the last 6 months? (you can answer in DM if privacy is a concern)

Finance Mentor Finance Mentor
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@kingkhan9  Take Infinia. Its reward rate goes as high as 33.33% on certain categories.

If you can look forward to redeem reward points on flights/hotels even once in a couple of years, there is no other card at present which can give you better value. 

Although, if your spends are touching 12-15L/year,you can also look at Axis Magnus provided you are holding Axis Burgundy account.

Deal Lieutenant Deal Lieutenant
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can all the experts explain where they are getting benefits on this card

Deal Subedar Deal Subedar
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Thanks guys. My worry is the amount they are charging is 12500/- + gst which is not a small amount. Also their reward conversion from Regalia to Infinia is only 50%. I got over 36K points and I will only get 18k points of Infinia equivalent. 

Infinia

  • Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.50
  • Cashback at a value of 1 RP = Rs 0.30

Regalia

  • Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.35
  • Cashback at a value of 1 RP = Rs 0.20

I will be losing the value right?

Finance Mentor Finance Mentor
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Infinia ain't for non travel related redemption 

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Deal Cadet Deal Cadet
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Reward points will have same rupees value after conversion. Don't worry. 

If you are redeeming points to vouchers your reward rate will be only 1.66%. 

Only Tanishq/Apple/Flight booking will give you max benefits. 

Flight booking also has monthly limits, so can book max 2-3 persons in a month.

On renewal you'll get 12.5k points which again converts to 6.25k vouchers.

Don't apply impulsively. 

Post Emperor Post Emperor
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Reward points will not have the same value after conversion

For eg you have 1000 reward points in regalia you got 500 points in INFINIA.

For 1000 points you got a Rs.350 voucher in regalia and Rs.250 voucher in INFINIA.

Net loss is about 40% for conversion.

Helpful Helpful
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I also exact same offer and decided not to upgrade.

Despite Reward Points,  I won't be able to justify such high fees. Also I hardly do air travel.

My most usage has shifted to HDFC TATA Neu Rupay, Axis Ace cards. I do not hold any paid card now.

Post Emperor Post Emperor
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Better to stay in regalia if you don't use flights, hotels, 10x or 5x merchants.

For reference if you spend 8 lakhs in regalia you get 21333 regular points and 15000 bonus points.

Total value for vouchers Rs.12716 without renewal fees.

If you spend 8 lakhs in INFINIA you get 26666 points.

Total value of vouchers Rs.13333 and also you need to pay joining fees if you didn't achieve a milestone.

Personally I don't use flights, hotels and 10x or 5x merchants

Additionally I'm using business regalia which gives reward points even for tax payments.

I pay at least Rs.3 lakhs to Rs.4 lakhs per year for tax payments.

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