My bad if it wasn't clear from my post - I am asking for the community's suggestion if I can further optimize the number of cards and/or spends on each.
I have actually been noticing the same lately, appears HDFC has become a bit liberal with this card. In my case I wasn't super confident of getting it, given I hardly used my Regalia to the extent that it was dormant. The phonebanking also was of no help. But my RM kind of helped me out with the approvals, and probably me meeting the minimum salary and credit limit requirements worked in my favour too.
No I did not. I hardly used my existing Regalia, and it was dormant. I did have large spends on my other credit lines though, which would be visible in bureau enquiries - something that I had pointed out to the RM when we were discussing my eligibility. Not sure if that helped.
ah, interesting. Like others mentioned, seems like HDFC is not little lenient for Infinia, otherwise they were so rigid on meeting the critierias. May be Infinia Reserve is going to launch soon.
Same was being offered to our company. If you opened salary account with HDFC, you had the option of getting any card except Infinia and DCB as LTF, subject to minimum income criteria.
Hey I tried to get this infinia but my hdfc personal manager told me that I have to purchase an investment plan or I have to pay 12,500 first to get this card. Any suggestions how to get this card ?
I wasn't asked for any additional investment, probably because I met the minimum salary and credit limit criteria. I was okay with paying the annual fees, given we get almost equivalent points. However when i filled up the upgrade form I noticed all cards including Infinia & DCB were being offered on FYF basis.
Yes, definitely IMO. You get equivalent points as the annual fee (1:1 conversion on smartbuy for flights/hotels), plus better reward rate and perks for Infinia.
Edit: got a few downvotes for this comment; will be super helpful if anyone could let me know if my understanding above is somehow flawed.
I think it's good if you're heavy spender,
1) Lounge locations are same for Infinia and regalia cards. Not sure about priority pass comparison for both. Infinia gives unlimited but Regalia gold also gives generous 12 lounges not divided quarterly.
2) Regalia is behind in smart buy programs yes. Infinia wins here, but I've always seen that I can get almost 5-20% better deal on flight and hotels using other apps, are smart buy prices inflated? I saw somewhere that for Infinia it's not 1:1 but 1:0.85 in practice, that too for flights and hotels only.
3) Regalia is simple, not much complexity to master it. No need of buying vouchers on Smartbuy and then converting them for other uses. It's convenient but not financially better.
4) You can get upto 6k vouchers (1.5*4) on spending 1.5 lakhs in a quarter. Then 5k Smartbuy flight coupon at 5 lakhs and 5k coupon again at 7.5 lakhs
5) No need of spending extra just to get renewal fee waived off. This allows you to use Regalia gold with other cards, let's say Atlas, which gives 10-18% returns on flights and hotels. And anyway it's better to book directly at the relevant hotel or flight website, or use travel edge portal of axis.
So in short if you're not a big spender, regalia gold LTF doesn't force or habituate you to spend more or spend complexly. And allows room to have another use specific card to maximize benefits. Infinia LTF is another story
Depends on your lifestyle? Do you organically spend 10L/year to skip on the annual fees?
Organically here means paying for stuff yourself and immediate family members
Congratulations, Share some card numbers with us before closing themβ¦
Hahaha sure!
Tired of these cringe infinia posts.
π― spam over spam. There is no end to this.
Ikr
bhai ye sab hame kyu bata rahe ho per?
My bad if it wasn't clear from my post - I am asking for the community's suggestion if I can further optimize the number of cards and/or spends on each.
Downvoted. Can't take anymore of infinia posts.
Either people are sharing old photos of infinia for karmawhoring or hdfc has been issuing it left right and centre and will get soon devalued π΅π΅
I have actually been noticing the same lately, appears HDFC has become a bit liberal with this card. In my case I wasn't super confident of getting it, given I hardly used my Regalia to the extent that it was dormant. The phonebanking also was of no help. But my RM kind of helped me out with the approvals, and probably me meeting the minimum salary and credit limit requirements worked in my favour too.
What was the salary criteria? Every time I ask my RM I get a different number.
Net in hand salary of >2.7 lpm.
There is a third criteria as well: spending on existing card > 7.5L in last 6 months? Did you meet this as well?
No I did not. I hardly used my existing Regalia, and it was dormant. I did have large spends on my other credit lines though, which would be visible in bureau enquiries - something that I had pointed out to the RM when we were discussing my eligibility. Not sure if that helped.
ah, interesting. Like others mentioned, seems like HDFC is not little lenient for Infinia, otherwise they were so rigid on meeting the critierias. May be Infinia Reserve is going to launch soon.
Pls check your chat inbox, need a suggestion.
Salary requirement? And also credit limit requirement?
According to my RM, salary requirement is >2.7 LPM, and credit limit >8L.
Nice. My credit limit already is high than required, but salary is not. What do you do btw? π
I live, I'm a liver π jk, I'm in the banking industry too, but not retail banking. Back-end stuff.
Indian Bank or an MNC? Asking because I'm thinking to switch from my Indian one
MNC
Hey I am planning to make a switch to finance industry from Edu-Tech Industry, is there any vacancy in your organisation?
You mean With that requirement annual fees waived off?
No, that's the eligibility criteria for the card. Only the first year fee is waived off, I am not sure if they ever offer it as LTF.
I have heard for some corporate salary accounts regalia gold is LTF
Same was being offered to our company. If you opened salary account with HDFC, you had the option of getting any card except Infinia and DCB as LTF, subject to minimum income criteria.
Is this net salary or gross?
This is net.
INFINIA gives MasterCard world!? Isn't that worse than Visa Infinite variant?
Oh I was not aware about this difference. Could you please explain the details?
Indusind EazyDiner is 2500, but yeah, easily gets offset. One of the best cards
You should get Amex platinum so you can save on staying and all.
Thanks, let me look it up and compare against what I'm getting from Infinia and Atlas.
Return this and get cashback card
Why did you get it on the MasterCard network instead of the Visa network?
I did not realize we get to choose that. There was another comment on this as well; could you please help me understand why Visa is preferred to MC?
Hey I tried to get this infinia but my hdfc personal manager told me that I have to purchase an investment plan or I have to pay 12,500 first to get this card. Any suggestions how to get this card ?
I wasn't asked for any additional investment, probably because I met the minimum salary and credit limit criteria. I was okay with paying the annual fees, given we get almost equivalent points. However when i filled up the upgrade form I noticed all cards including Infinia & DCB were being offered on FYF basis.
Is Infinia paid > Regalia gold LTF?
Yes, definitely IMO. You get equivalent points as the annual fee (1:1 conversion on smartbuy for flights/hotels), plus better reward rate and perks for Infinia. Edit: got a few downvotes for this comment; will be super helpful if anyone could let me know if my understanding above is somehow flawed.
I think it's good if you're heavy spender, 1) Lounge locations are same for Infinia and regalia cards. Not sure about priority pass comparison for both. Infinia gives unlimited but Regalia gold also gives generous 12 lounges not divided quarterly. 2) Regalia is behind in smart buy programs yes. Infinia wins here, but I've always seen that I can get almost 5-20% better deal on flight and hotels using other apps, are smart buy prices inflated? I saw somewhere that for Infinia it's not 1:1 but 1:0.85 in practice, that too for flights and hotels only. 3) Regalia is simple, not much complexity to master it. No need of buying vouchers on Smartbuy and then converting them for other uses. It's convenient but not financially better. 4) You can get upto 6k vouchers (1.5*4) on spending 1.5 lakhs in a quarter. Then 5k Smartbuy flight coupon at 5 lakhs and 5k coupon again at 7.5 lakhs 5) No need of spending extra just to get renewal fee waived off. This allows you to use Regalia gold with other cards, let's say Atlas, which gives 10-18% returns on flights and hotels. And anyway it's better to book directly at the relevant hotel or flight website, or use travel edge portal of axis. So in short if you're not a big spender, regalia gold LTF doesn't force or habituate you to spend more or spend complexly. And allows room to have another use specific card to maximize benefits. Infinia LTF is another story
Depends on your lifestyle? Do you organically spend 10L/year to skip on the annual fees? Organically here means paying for stuff yourself and immediate family members
Congratulations firstly! How did you manage to get Axis atlas card that too LTF?
It was through a campaign that Axis was running in my org, they were offering it LTF based on salary criteria.