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/Comprehensive_Heat37 Maximizer 13h ago edited 10h ago

You’re absolutely right, even though many people on this subreddit don’t want to admit it. Its utility for voucher maxxers dropped significantly since the cap.

Diehard Infinia lovers will call out exceptions to the 3k point rules like Pharmeasy, but the vast majority of the voucher purchases that we used to make are now stuck. Unless you have some lmedical issue, I don’t think most people buy more than 3-4k worth of medicines every month!

I have switched over to EPM for most of my voucher spends. Their voucher catalog is smaller as Gyftr but at least its caps are much more bigger (18k vs 3k)

For the few brands like Swiggy that aren’t on EPM, I just use the HSBC Live+.

1

u/snow_coffee 12h ago

If am going to buy Amazon pay vouchers, how much you think I can get back from epm ? Assuming 10k vouchers per month

Apart from Amazon pay, what are other vouchers you bet on in Epm

1

u/TomorrowAdvanced2749 Smartbuy Enthusiast 11h ago

Negative, as 4.13% fees and 3% base rewards.

0

u/snow_coffee 11h ago

If I up the amazon voucher spending to 20k it makes sense ?

1

u/TomorrowAdvanced2749 Smartbuy Enthusiast 11h ago

Brother.

Do you understand math?

4.13% is a processing fee on Apay, and base rewards is 3%..

In no world would it make any sense, at all.

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u/snow_coffee 11h ago

Ooopz sorry, now I get you, then why do people here hype epm ? Do you suggest it for anything specific

1

u/TomorrowAdvanced2749 Smartbuy Enthusiast 11h ago

For general shopping vouchers, its decent. Especially after the smartbuy cap of 3k on bonus RPs, EPM is pretty good.

See, Amazon pay and all this is gonna end sooner or later.

It was never sustainable.

Only way to get accelerated RPs on Apay is now via Amex, but redemptions are a bit of a mental gymnastics and then also kinda hard to get as their applications are closed

1

u/snow_coffee 10h ago

True true

Pinning hopes on it for the insurance payment otherwise acceptance of apay offline is quite low