KunjanPSD Posted August 21 Report Share Posted August 21 1 hour ago, SuperT said: Spend + Credit Limit required My brother got Infinia directly based on salary criteria, he just had an age old HDFC card with 2L limit. Depends on many factors. Quote Link to comment Share on other sites More sharing options...
SuperT Posted August 21 Report Share Posted August 21 23 minutes ago, KunjanPSD said: My brother got Infinia directly based on salary criteria, he just had an age old HDFC card with 2L limit. Depends on many factors. Yeah I meant card on card basis - these days you need limit+spends, gone are the good old days when they were handing out Infinia to anyone. Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted August 21 Report Share Posted August 21 3 minutes ago, SuperT said: Yeah I meant card on card basis - these days you need limit+spends, gone are the good old days when they were handing out Infinia to anyone. HDFC does not do C2C, Infinia was never handed out to anyone, that is why it has stayed in the game for so long. Quote Link to comment Share on other sites More sharing options...
SuperT Posted August 22 Report Share Posted August 22 (edited) 19 hours ago, KunjanPSD said: HDFC does not do C2C, Infinia was never handed out to anyone, that is why it has stayed in the game for so long. I meant Regalia or any other HDFC CC to Infinia, for that they are pretty hell bent on 10L and spends both, earlier it was a cakewalk to upgrade to Infinia. If salary is good then obviously one should choose that path. Edited August 22 by SuperT Quote Link to comment Share on other sites More sharing options...
Banz Posted August 23 Report Share Posted August 23 Wife offered an upgrade from HDFC Moneyback+ to Millenia. Worth it? Quote Link to comment Share on other sites More sharing options...
harsh1387 Posted August 23 Report Share Posted August 23 I have hdfc business Moneyback. They offered hdfc Bizgrow. I think annual fee is 500 1st year fee is waived off. Is it worth it as I have no knowledge about this card. I use Moneyback rarely as hdfc infinity is used mostly. Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted August 23 Report Share Posted August 23 On 8/21/2024 at 3:09 PM, KunjanPSD said: You cannot get Infinia directly without any previous relationship unless you show some ITR/Salary credit. You need to get hold of an agent. Try for Bizblack and use it for your Biz spends, that would be more beneficial and then try applying for Infinia as well. Bizblack ka reward ratio is meh. Currently sbi cashback gives 5% but getting maxed out at 5000 cashback Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted August 23 Report Share Posted August 23 (edited) 2 hours ago, rushab oswal said: Bizblack ka reward ratio is meh. Currently sbi cashback gives 5% but getting maxed out at 5000 cashback Bizblack gives 7500 bonus reward points at min 51k monthly spend on limited categories including GST. That's 16%, the best you can get, I have Bizblack for my own tax payments. It's not meh, you just haven't been using it correctly. Edited August 23 by KunjanPSD Quote Link to comment Share on other sites More sharing options...
rushab oswal Posted August 23 Report Share Posted August 23 3 hours ago, KunjanPSD said: Bizblack gives 7500 bonus reward points at min 51k monthly spend on limited categories including GST. That's 16%, the best you can get, I have Bizblack for my own tax payments. It's not meh, you just haven't been using it correctly. Is that 16% cash statement? Because I don't use hotels or travel as redemption, also my categories including meta ads and shipping none of which are covered in limited categories. (i should have mentioned reward ratio is meh for me). 😅 Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted August 24 Report Share Posted August 24 17 hours ago, Banz said: Wife offered an upgrade from HDFC Moneyback+ to Millenia. Worth it? Bro upgrading wife. 1 1 Quote Link to comment Share on other sites More sharing options...
DinJo Posted August 27 Report Share Posted August 27 Asking again any way to get sbi credit card for free Quote Link to comment Share on other sites More sharing options...
fatpigeon Posted August 31 Report Share Posted August 31 I've been working on optimizing my CC portfolio for my spends. Right now I have Stan Chart Smart Card (pretty useless planning to cancel it soon; was my first cc 3-4 years back) HDFC Swiggy LTF (GOAT for food/grocery/dining out spend with the fat 10% CB, but its capped to Rs. 1500 so it runs out eventually) SBI Cashback (GOAT for getting 5% on almost everything online) Airtel Axis (Bijli, ,Internet, Phone Bill - bonus of 4 lounge visits annually) OneCard LTF (Got it for memes but usually end up using it for intl spends for game collecting stuff when they run their 0% forex fees promos) Amex Plat Travel (Primary consumer spending with this + satisfactory lounge access) I am pretty sure that SBI CB and Airtel Axis will get hit with a devaluation soon. Any S-tier optimizers have any inputs on how to tighten up this portfolio? Quote Link to comment Share on other sites More sharing options...
dante77 Posted August 31 Report Share Posted August 31 29 minutes ago, fatpigeon said: I've been working on optimizing my CC portfolio for my spends. Right now I have Stan Chart Smart Card (pretty useless planning to cancel it soon; was my first cc 3-4 years back) HDFC Swiggy LTF (GOAT for food/grocery/dining out spend with the fat 10% CB, but its capped to Rs. 1500 so it runs out eventually) SBI Cashback (GOAT for getting 5% on almost everything online) Airtel Axis (Bijli, ,Internet, Phone Bill - bonus of 4 lounge visits annually) OneCard LTF (Got it for memes but usually end up using it for intl spends for game collecting stuff when they run their 0% forex fees promos) Amex Plat Travel (Primary consumer spending with this + satisfactory lounge access) I am pretty sure that SBI CB and Airtel Axis will get hit with a devaluation soon. Any S-tier optimizers have any inputs on how to tighten up this portfolio? OneCard currently has offers on everything. If there is a card discount going on anywhere, OneCard is usually listed there. At least for now. A handy LTF card IMO. And I thought you had some high end HDFC card too. And I think SBI won't be able to keep ip with 5%, primary reason for me to never really bothered about it. Quote Link to comment Share on other sites More sharing options...
dante77 Posted August 31 Report Share Posted August 31 (edited) My cards: HDFC Regalia Gold (My primary overall card) ICICI Amazon (5% CB everything Amazon, excellent since most of my purchase is from Amazon) OneCard LTF (Pretty good offers online) Scapia (0% forex and 2% reward without any cap, using the coins is free of restriction). Have so much to have a good 6-8k flight for free. Unlimited Lounge access for 5k spends (which they plan to increase to 10k) SBI Simply click (Lulz card, only card that is not LTF and has yearly charge). No reward, just get offer sometime. Lulz overall. Edited August 31 by dante77 Quote Link to comment Share on other sites More sharing options...
dylanjosh Posted September 1 Report Share Posted September 1 (edited) 9 hours ago, fatpigeon said: I've been working on optimizing my CC portfolio for my spends. Right now I have Stan Chart Smart Card (pretty useless planning to cancel it soon; was my first cc 3-4 years back) HDFC Swiggy LTF (GOAT for food/grocery/dining out spend with the fat 10% CB, but its capped to Rs. 1500 so it runs out eventually) SBI Cashback (GOAT for getting 5% on almost everything online) Airtel Axis (Bijli, ,Internet, Phone Bill - bonus of 4 lounge visits annually) OneCard LTF (Got it for memes but usually end up using it for intl spends for game collecting stuff when they run their 0% forex fees promos) Amex Plat Travel (Primary consumer spending with this + satisfactory lounge access) I am pretty sure that SBI CB and Airtel Axis will get hit with a devaluation soon. Any S-tier optimizers have any inputs on how to tighten up this portfolio? How much yearly fees are you spending for the cards Edited September 1 by dylanjosh Quote Link to comment Share on other sites More sharing options...
dylanjosh Posted September 1 Report Share Posted September 1 9 hours ago, dante77 said: ICICI Amazon (5% CB everything Amazon, excellent since most of my purchase is from Amazon) Why don't you get the sbi cashback card. Quote Link to comment Share on other sites More sharing options...
fatpigeon Posted September 1 Report Share Posted September 1 1 hour ago, dylanjosh said: How much yearly fees are you spending for the cards Amex - 5k SC - 499 (waste I know; I will axe it soon) SBI - 999 (already made it back in spades) Airtel Axis - 499 Rest LTF Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted September 1 Report Share Posted September 1 I'm unable to get Airtel card. Just teases on WhatsApp and never get the option to apply on app. Quote Link to comment Share on other sites More sharing options...
dante77 Posted September 1 Report Share Posted September 1 3 hours ago, dylanjosh said: Why don't you get the sbi cashback card. 12 hours ago, dante77 said: And I think SBI won't be able to keep up with 5%, primary reason for me to never really bothered about it. Quote Link to comment Share on other sites More sharing options...
TheGothamChampion Posted September 2 Report Share Posted September 2 Can anyone share Amex referral link? Quote Link to comment Share on other sites More sharing options...
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