Should I upgrade to HDFC Infinia from Diners Black
Friends, I hold a Diners Black normal card which is life time free.. I never upgraded to diners black metal as that was not LTF for me.. now when I inquired from my relationship manager about infinia he said that I can get but on chargeable basis.. he will try for first year free but no guarantee.. if I don't get FYF, I will have to pay 12.5k plus GST where I will get 12.5k points in my account..
My spending on HDFC credit card is primarily on gyftr smartbuy vouchers, where I buy swiggy/zomato/bigbasket vouchers of around 20-25k a month combined, and 10k amazon pay balance and around 5k flipkart voucher a month.. the purchase of amazon and flipkart vouchers has gone down recently after they levied convenience fees.. with this spending, it is worth upgrading to paid infinia from LTF diners black normal card?
TIA for your help.
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Infinia for 16% reward points on smartbuy
Since your spending is approximately 20k a month , so yearly it will be 2.4 lakhs hmm for that calculate the amount of points you get for it in both Infina and Diners Black
1) How many points you get for for 2.4lakh spend for Infinia (by using in smartbuy voucher purchase)?
2) How many points you get for for 2.4lakh spend for Diners Black (by using in smartbuy voucher purchase)?
dont forget to negate 12k fees for Diners calculation and then decide based on it
Please post your update of calculation if you did:) would help all
if you are able to use the unlimited lounge and goalf access it's totaly worth the fee anyday, since you can book flight with 12.5k points anyway. Only 18% gst of 2250 is the actual fee if you think about it
I get unlimited lounge worldwide using my Diners black card.. Not just for me but also for add on.. While I have never used i also get unlimited golf green fee waiver
I want to get a SECURED credit card from hdfc .
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I am unable to find the details that which card will be issued and whether it will be Rupay
Help me to get best lifetime free secured hdfc credit card
If they are offering equivalent reward points in lieu of fee paid then yes else no.
It is useful mostly for hotel/flight bookings on smartbuy portal as the reward value is best that way. If you convert to vouchers then it is not worth spending annual fee.
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What I've understood so far (10+yrs of HDFC relationship), if you're into travelling/hotels/flights, then Regalia/Infinia makes sense, else even the good old LTF millennia is better... others may differ and give their feedback...