Top 3 Ways I Use HDFC Infinia to Get Maximum REWARDS In 2024

Summary

The HDFC Infinia is a premium credit card that offers a 3.3% reward rate and 5x points on certain purchases. Despite having it for over five years, the reviewer shares that it hasn't been their primary card, using multiple cards strategically to maximize rewards. Key benefits include the ability to earn reward points on utility bill payments via Amazon Pay vouchers, and the option to redeem points for domestic and international flights. However, the card’s high annual fee and the need to build a relationship with the bank for eligibility are significant factors to consider.

Takeaways

• 😀 The HDFC Infinia Credit Card is a premium card, but not the user's primary credit card.
• 😀 The card has been in use for over five years, offering a 3.3% reward rate on general purchases.
• 😀 To get the card, it's best to build a relationship with HDFC Bank rather than buying fixed deposits or insurance policies.
• 😀 The annual fee for the card is ₹12,000 (plus GST), but it can be waived if you spend over ₹8 lakh per year.
• 😀 The card offers 5x reward points on specific purchases such as Amazon Pay vouchers, flight bookings, and hotel stays.
• 😀 One of the most frequent uses of the card is buying Amazon Pay vouchers for utility bill payments to earn reward points.
• 😀 The SmartBuy platform allows users to book domestic flights and redeem reward points to cover up to 70% of ticket costs.
• 😀 When traveling internationally, the Infinia card offers a 1% cashback via the Global Cashback Program on international spends.
• 😀 The card also charges a 2% forex fee, but even with this fee, users can still benefit from a net reward rate of 2-2.3% for international purchases.
• 😀 Domestic flights are the primary redemption for the earned points, particularly through airlines like Indigo.
• 😀 The user doesn't have a single primary card, using different cards strategically to maximize rewards and satisfaction across various purchases.

Q & A

What is the HDFC Infinia Credit Card, and how long has the speaker been using it?

The HDFC Infinia Credit Card is a premium credit card that the speaker has been using for over 5 years, though it has never been their primary card.

What is the annual fee for the HDFC Infinia Credit Card, and how can it be waived?

The annual fee is ₹12,000 plus GST, but it can be waived if the cardholder spends ₹8 lakh in a year, which is the speaker's usual spending pattern.

What are some ways to get the HDFC Infinia Credit Card?

The card is typically available by invite, but it can also be obtained by building a relationship with the bank, using other HDFC cards like the Regalia, or through a fixed deposit or insurance policy, though the speaker does not recommend these methods.

What is the base reward rate of the HDFC Infinia Credit Card?

The base reward rate of the card is 3.3%, meaning that for every ₹100 spent, you earn 3.3 points.

What is the 5x reward points program, and how can it benefit cardholders?

Cardholders can earn 5x reward points on select purchases such as buying Amazon Pay vouchers, booking flights, and hotel reservations, allowing them to earn more points on everyday expenses.

How does the speaker use their HDFC Infinia Credit Card for utility bill payments?

The speaker uses the card to buy Amazon Pay vouchers via the Gifter platform, paying a 3% convenience fee, but in return, they earn about 12.5% back in the form of reward points.

How does the speaker book domestic flights using the HDFC Infinia Credit Card?

The speaker books flights via SmartBuy, where they can use reward points to reduce the cost of the ticket, earning 5x reward points on the transaction, whether paying with points or cash.

How does the HDFC Infinia Credit Card help with international travel?

The card provides 1% cashback on international spends when enrolled in the Global Cashback program, and it offers competitive Forex charges at 2%, making it beneficial for international travelers.

What are the disadvantages of using the HDFC Infinia Credit Card for international spends?

A limitation is that the 1% cashback is only applicable if the cardholder spends ₹1 lakh or more in a calendar month on international purchases.

How does the speaker manage multiple credit cards and maximize reward points?

The speaker uses different cards each month strategically to optimize reward points across various categories, not relying solely on the HDFC Infinia Credit Card as their primary card.