r/CreditCardsIndia • u/itsbikerboy • 14h ago
General Discussion/Conversation Infinia - Pointless ?
I have been a credit card user for the last 6+ years and I use the HDFC Infinia, HSBC travel one and Axis Atlas as my primary credit cards among others for specific spends.
Most of my monthly expenses were managed through vouchers (~50k-70k), because of which Infinia was my credit card for shopping bill, payments, and other retail requirements.
I would then go for Axis Atlas (accor earlier & now air india) for everything else while HSBC travel one (accor) remained a backup credit card, if in case any other credit card is devalued.
However, ever since HDFC has reduced benefits on vouchers to 3000 points/ month (22.5k spends), I’m just curious if there is any other benefit that you see with the Infinia credit card? Thats a max benefit of 36k points annually.
I do Travel, but my flight bookings are approximately once per quarter. I am not sure if I can get more value of HDFC.
Is it worth it?
(speech to text converted post, please ignore any errors)
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u/TomorrowAdvanced2749 Smartbuy Enthusiast 14h ago edited 14h ago
The Pharmeasy route earns me solid 1 to 3K points a month easily, and Myntra spends as well adds like 1K points to 4000 points during heavy shopping months.
Mainly, the card is supposed to be a travel card, the voucher game was gonna end sooner or later.
The card is definitely worth it, mainly if you look at Axis or ICICI, they lag behind a lot in terms of service and sorting out issues.
Axis is one of the most unreliable banks, ICICI a bit better but when it comes to issues with iShop, the support is non-existent, along with erratic accelerated points credit schedules.
HSBC is okay, but their cards are not an all-rounder unlike HDFCs due to a lack of accelerated earn opportunities other than travel.
If your main concern is the 18L spend criteria for Infinia, you may downgrade to DCBM, its a fantastic card as well.
You can check my HDFC Diners Club Black guide to know more.