Regalia to Infinia Upgrade

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Deal Cadet
iamrafic

Hi Dimers,

Got a call from my RM, that I’m eligible for Infinia upgrade, and spend limit is 10L for free.

If i am unable to achieve the spend, they will charge 12,500 and bank will credit 12500 points instead.

Is it worth to upgrade to Infinia.

I have got LTF upgrade to Infinia in early 2020 and 2021, but didnt opt for it.😌

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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

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MrMonkey wrote:

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

Not sure I will be able to spend 10L in a year, as i’m using AXIS ACE for all my spends.

Deal Subedar Deal Subedar
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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. 

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iamrafic wrote:

using ragalia with 15L limit

and how long have you been holdin hdfc cc?

btw no point in opting for paid infinia now . You should have taken it as ltf when offered

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jambui wrote:

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. 

Yeah, that’s why I am hesitant.

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chotabaxxa800 wrote:

and how long have you been holdin hdfc cc?

btw no point in opting for paid infinia now . You should have taken it as ltf when offered

I’m using hdfc credit cards from August 2006., I think regalia for about 8 years

Deal Cadet Deal Cadet
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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.

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Ransome wrote:

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.

Yeah, i will wait then. smile

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iamrafic wrote:

Yeah, i will wait then. smile

I am wondering what stopped u from taking LTF Infinia its a very rare gift from HDFC

Deal Subedar Deal Subedar
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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. 

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caks2006407 wrote:

I am wondering what stopped u from taking LTF Infinia its a very rare gift from HDFC

I had bulk reward points, wanted to redeem it before opting for an upgrade.

Thought HDFC will keep giving upgrade options every year. pensive

Deal Newbie Deal Newbie
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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. 

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SuperKnight wrote:

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. 

Thanks Bro,

My 90% spends comes from online shopping.

And I dont travel, so hotel and fights booking benefits will not be utilized by me.

I have used lounge access only once in last 10 years.😄

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

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iamrafic wrote:

Thanks Bro,

My 90% spends comes from online shopping.

And I dont travel, so hotel and fights booking benefits will not be utilized by me.

I have used lounge access only once in last 10 years.😄

U keep asking for LTF only.. For me they are offering first year free (joining fee nil) and there after renewal fee charges 12500+gst. I am still asking them to issue me LTF.. Seems at this moment keeping metal as super top premium they r not ready for LTF. Since u got huge points with regalia redeem for ur target items and then take an upgrade demanding atleast with first year free . Though u dont go for hotel or travel redemptions still for vouchers and products redemption value is good with 50 paise per point

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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.

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

Critic Critic
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TEMPER wrote:

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

But the metal upgrade wouldn’t be ltf still, right?

Deal Subedar Deal Subedar
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guest_999 wrote:

But the metal upgrade wouldn’t be ltf still, right?

no.. 1st year free..from nxt year spends shud be > 10L for fee waiver

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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

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