Regalia to Infinia Upgrade

1. Depends on your spend pattern. If you can make good utilisation of the card benefits and have good regular spends, then it will be useful to upgrade.
2. 12500 points value is not 1:1 if not redeemed for hotel/travel etc

whats your current limit ?

Yes

if you left free one before then why opt for paid one now? 

dont go because rm is pushing you. Also you ll be charged 12500+18℅ but would get 12.5k points only. 

If you don’t need the card then don’t pay for it. As you received LTF offers in 2020 and 2021, I assume they’ll offer it again sooner or later. Just wait for the free upgrade instead of opting for the paid ones.

I doubt they ll offer free again. It was hdfc ban period, to achieve growth they took unconventional steps. infinia has been downgraded several times afterwards. 

Even I am thinking to close my diners black next year, better to spend elsewhere with so many limitations on smartbuy. 

Infinia is now issued in Metal edition only and they are giving only on a charge basis and no LTF. However, it is still one of the best cards available in India. Along with 12500 points, you will get welcome benefits such as Complimentary nights & weekend buffet at participating ITC Hotels, Complimentary Club Marriott membership. Everyone who takes HDFC CC dreams of getting Infinia. At many premium lounges also you will get access, which normal cardholders are not allowed. I suggest you should take this offer. Ace is noway near to Infinia. You can get up to 33%  rewards on hotel and flight bookings. 

If someone is not in their senses then they deny ltf infinia offer

my suggestion is go for this card if it’s paid also. very soon they will launch one more premium card above infinea, that too paid only. you will be considered for the upgrade and will get lot more good offers.

ask them to give u LTF else NO

i am using LTF infinia master, to upgrade to metal spending shud be 6.5L in last 6 months it seems..

for upgrade they gave ne some form and send it to chennai with doc

i dont know what sud i tick to be upgraded into i will tick infinia and dcb these are the only thing after regalia