Infinia DCB lifetime free vs Infinia paid

[faltooAdmi]

Hi,

I have been hdfc preferred customer since last 10 years with my salary account there.

I have never used any credit card ever. So hearing all buzz about Magnus & Infinia, thought of checking on hdfc pre-approved card offers.

To my surprise i saw this :


Looks like I have all these cards pre-approved for me (with no credit history and cibil as NH).

1. Infinia metal
2. Diners club black
3. Regalia gold
4. Indigo hdfc card

Also I am from IIT so I maybe eligible for lifetime free Diners club black as well under alumni offer.

So assuming I get DCB as ltf (alumni offer) and paid Infinia as pre-approved, what should be my choice.

Also my wife is also from IIT and she is not a hdfc customer, but she may also get DCB as ltf under alumni offer.

My expenses would be hardly 3L in a year (excluding rent)

 

[faltooAdmi]

@Wealth is my birth right! , @anirban.choudhury , @TechnoFino, @LT1 @prakhar1010 @Abhishek012 @vaibhav111 @Batmanbaba @Subhankar and other respected members.

 

[ADITYA1904]

@Wealth is my birth right! , @anirban.choudhury , @TechnoFino, @LT1 @prakhar1010 @Abhishek012 @vaibhav111 @Batmanbaba @Subhankar and other respected members.

As per my opinion take infinia if you are going to spend more, infinia have better smartbuy rewards limit but you can recover only around 6500 from 12500 plus gst around 14750 if you redeem for amazon pay vouchers so you will have to pay every year 8000-8250 from joining fee and annual fee and in case of dcb nothing as ltf so decide accordingly spend more take infinia spend less take dcb

 

[CardGame]

If you don't travel a lot and stay in star properties then take LTF DCB. Because both cards' points are worthy enough only if u redeem them for flights and hotels.

 

[vaibhav111]

Hi,

I have been hdfc preferred customer since last 10 years with my salary account there.

I have never used any credit card ever. So hearing all buzz about Magnus & Infinia, thought of checking on hdfc pre-approved card offers.

To my surprise i saw this :


Looks like I have all these cards pre-approved for me (with no credit history and cibil as NH).

1. Infinia metal
2. Diners club black
3. Regalia gold
4. Indigo hdfc card

Also I am from IIT so I maybe eligible for lifetime free Diners club black as well under alumni offer.

So assuming I get DCB as ltf (alumni offer) and paid Infinia as pre-approved, what should be my choice.

Also my wife is also from IIT and she is not a hdfc customer, but she may also get DCB as ltf under alumni offer.

My expenses would be hardly 3L (excluding rent)

Monthly expenses 3 lakhs ? Or yearly I feel it yearly but wanted to be sure

 

[anirban.choudhury]

What all other credit cards you have ?

 

[WandereR]

If you don't travel a lot and stay in star properties then take LTF DCB. Because both cards' points are worthy enough only if u redeem them for flights and hotels.

Infinia has 1:1 for Apple and Tanishq. which might be useful

 

[Lord Of Darkness]

For your spends i think DCB LTF makes more sense, rather than paying the fees for Infinia.

But if your wife also is from IIT she can get DCB as LTF and you can get an Infinia - please note you get the same amount of points as the joining fee you are paying, so effectively you are just charged the GST.

 

[ltf4ever]

ltf dcb

 

[faltooAdmi]

Monthly expenses 3 lakhs ? Or yearly I feel it yearly but wanted to be sure

Yearly

 

[shashifed]

If you cannot hit the milestone to waive off the annual fee, then LTF DCB is a better option for you IMO. The difference between DCB and Infinia is less if your spends are on the lower end of spectrum (<3L)

 

[faltooAdmi]

What all other credit cards you have ?

None. It's going to be my very 1st credit card ever

 

[saucy]

The way I'd look at it is would be-
LTF cards are *free* so, don't need to think twice, especially when it's a premium card.
Get LTF card for wife. You may get an add-on from her account if you wish so.

For yourself, try talking to your RM and see if you can get LTF (or do some research about Infinia ltf on this forum)
If you can recover the benefits, go ahead for Infinia.
Infinia>diners for people who can meet the spend criteria.
Diners> rest of the cards, lol.

Also, if you don't have credit card and your yearly spends are 3L, i think it'll easily cross 5-6L (we underestimate our spends a lot.)
Sir 30K per month delhi me upsc ki taiyari kar rahe normal student le lag jate hai 🤣

 

[anirban.choudhury]

None. It's going to be my very 1st credit card ever

In that case take Infinnia
DCB is a waste even for LTF

PS - I hold a LTF DCB

 

[faltooAdmi]

My goal is to get a magnus. But I am not able to get any axis card (like Atlas, vistara and not even myZone). All are getting rejected... Maybe due to my NH score in cibil. (As I never had any loans nor used any credit card)

Let's say I get DCB ltf... How can I get a magnus ?

 

[WandereR]

Infinia>diners for people who can meet the spend criteria

Which spend criteria? Renewal fee waiver?

 

[CardGame]

My goal is to get a magnus. But I am not able to get any axis card (like Atlas, vistara and not even myZone). All are getting rejected... Maybe due to my NH score in cibil. (As I never had any loans nor used any credit card)

Let's say I get DCB ltf... How can I get a magnus ?

Since u want Magnus, just take LTF DCB and wait for 6 months(also use the card) and apply for Magnus c2c via offline application.

 

[CardGame]

Which spend criteria? Renewal fee waiver?

Ofcourse. 10L

 

[CardGame]

Infinia has 1:1 for Apple and Tanishq. which might be useful

Infinia has 1:1 for Apple and Tanishq. which might be useful

It mostly depends on person to person and their needs. With Magnus around, I would happily settle for LTF DCB over paid Infinia.

 

[Wealth is my birth right!]

Hi,

I have been hdfc preferred customer since last 10 years with my salary account there.

I have never used any credit card ever. So hearing all buzz about Magnus & Infinia, thought of checking on hdfc pre-approved card offers.

To my surprise i saw this :


Looks like I have all these cards pre-approved for me (with no credit history and cibil as NH).

1. Infinia metal
2. Diners club black
3. Regalia gold
4. Indigo hdfc card

Also I am from IIT so I maybe eligible for lifetime free Diners club black as well under alumni offer.

So assuming I get DCB as ltf (alumni offer) and paid Infinia as pre-approved, what should be my choice.

Also my wife is also from IIT and she is not a hdfc customer, but she may also get DCB as ltf under alumni offer.

My expenses would be hardly 3L in a year (excluding rent)

Straight away both of u get the ltf dcb alumni offer which makes global airport lounges free to both of u.
Paid infinia I won’t suggest instead get magnus for high reward just for 10k that also u get Tata cliq voucher back
Again it’s my opinion only
If u have a dream of metal infinia u can pay for it
End of the day our own satisfaction too matters