Infinia From ₹1 Cr FD to Infinia CC: The Upgrade !!

[quino]

what the heck is happening to this thread.

 

[NikhilG]

You can’t keep worrying about every small thing. Otherwise, never buy that phone or TV or BMW or go on a vacation abroad as you would have earned XX amount in interest.

Lol its a credit card, don't compare it with TV and a mobile or a vacation. All of these comments actually prove that infinia is nothing but just a FOMO card.

 

[Finchamp!]

Do you understand the notion of what something makes sense or not?
Why are we all actually getting a credit card? The end goal is to maximize the output of our spendings, or in a simple language to earn something. So the whole point of how much you spent to get the credit card will always come into play. Spending around 70 to 80k just to get that credit card and paying another 12 to 15k, I'm not sure how much time it will take to break even.
If it's still very difficult to understand, then god help you 🙂

You're wrong on multiple counts. Now, while I really don’t owe you an explanation for why my expenses justify Infinia, let’s just say—for the sake of argument—they do. There are two ways to get it: one is the “wrong” route that @Hackmebro allegedly took, where he took a 70–80K hit on his profits (not principal, mind you), and the other is the long, painful path most people choose—starting with a basic HDFC card, sticking with it for years (even decades), enduring its painfully mediocre reward structure, and then, if the stars align, eventually getting an Infinia.

But here’s the kicker: the opportunity cost from years of subpar rewards far outweighs a one-time 70–80K hit. Do the math.

Just for reference, take a simple use-case of ₹10 lakh in annual spends over 10 years, involving just one round-trip flight and a single hotel stay per year. Compare the benefits between Regalia and Infinia—you’ll start to get the picture. Now multiply that by 15-20 flights and hotel stays a year—that’s my actual use-case.

Until now, I was making it work with Axis Atlas—which, as anyone with basic credit card knowledge knows, is far superior to Regalia for my kind of spends. If I now take a notional 70K hit and move to Infinia, the returns will start scaling way better. Again, run the numbers - if that’s too much for you, I’d be happy to walk you through it. You could consider that a small gesture of help from an IITian.

Penultimately, not everything in life is an ROI game. For some of us, it's also about status, perception, and the kind of first impression that money can’t always measure. You were kind enough to enlighten me on the notional value of things; allow me to return the favour by introducing you to the concept of emotional value. A few years ago, I held the American Express Platinum Card and paid over ₹65,000 a year for it. No, I didn’t extract its worth through rewards —its acceptance was laughably poor. But I still kept it for a long time, because it gave me exclusive access to the Centurion Lounge, where I met entrepreneurs, industrialists, and startup founders—many of whom went on to become my retained clients. So while you sit crunching your cute little ROI figures, just remember: in the grander scheme of things—I came out ahead.

And finally—tone it down. This is a group of educated finance enthusiasts looking out to learn from each other - lets keep it that way. Sarcasm’s cute and all, but when you swing it with your ego, it tends to boomerang back and hit you square in the face. Don't believe me? ask @sunit123 .

 

[PrinceHeart]

 

[NikhilG]

You're wrong on multiple counts. Now, while I really don’t owe you an explanation for why my expenses justify Infinia, let’s just say—for the sake of argument—they do. There are two ways to get it: one is the “wrong” route that @Hackmebro allegedly took, where he took a 70–80K hit on his profits (not principal, mind you), and the other is the long, painful path most people choose—starting with a basic HDFC card, sticking with it for years (even decades), enduring its painfully mediocre reward structure, and then, if the stars align, eventually getting an Infinia.

But here’s the kicker: the opportunity cost from years of subpar rewards far outweighs a one-time 70–80K hit. Do the math.

Just for reference, take a simple use-case of ₹10 lakh in annual spends over 10 years, involving just one round-trip flight and a single hotel stay per year. Compare the benefits between Regalia and Infinia—you’ll start to get the picture. Now multiply that by 15-20 flights and hotel stays a year—that’s my actual use-case.

Until now, I was making it work with Axis Atlas—which, as anyone with basic credit card knowledge knows, is far superior to Regalia for my kind of spends. If I now take a notional 70K hit and move to Infinia, the returns will start scaling way better. Again, run the numbers - if that’s too much for you, I’d be happy to walk you through it. You could consider that a small gesture of help from an IITian.

Penultimately, not everything in life is an ROI game. For some of us, it's also about status, perception, and the kind of first impression that money can’t always measure. You were kind enough to enlighten me on the notional value of things; allow me to return the favour by introducing you to the concept of emotional value. A few years ago, I held the American Express Platinum Card and paid over ₹65,000 a year for it. No, I didn’t extract its worth through rewards —its acceptance was laughably poor. But I still kept it for a long time, because it gave me exclusive access to the Centurion Lounge, where I met entrepreneurs, industrialists, and startup founders—many of whom went on to become my retained clients. So while you sit crunching your cute little ROI figures, just remember: in the grander scheme of things—I came out ahead.

And finally—tone it down. This is a group of educated finance enthusiasts looking out to learn from each other - lets keep it that way. Sarcasm’s cute and all, but when you swing it with your ego, it tends to boomerang back and hit you square in the face. Don't believe me? ask @sunit123 .

First of all, I would have really never ever wanted to hurt your IITian ego. I'm sorry if I did that 🙂 Now coming to the crux of our discussion, even though I agree with most of the points in your brief explanation you are still missing some very important points.

First of all when I said, this specific route didn't make a lot of sense I meant it would be a bad decision for most of the people. I myself was very excited about this, was following up on the previous thread where he was scared if he would get the card after getting 1cr fd done. The guy did his calculations and remember the hdfc guys asked him to wait for 3 months for the card after the fd, he was lucky enough to get rid of fd in 50 days so originally he was okay to spend 1.5 lakhs for this card. Now you put a poll here and ask how many people are ready to shell 1.5 lakhs for inifina. Also I am not challenging @Hackmebro decision and calculations here, I think he got lucky here with 50 days and i appreciate him sharing his journey but again its his specific use case where he thinks he can get the output.

Secondly, let me counter you on your notion of 70- 80k hit on his profits not principal 🙂 I am sure his surplus is not lying at home, minimum it would earn the interest at 7 percent, forget about generating some good interests. I am sure you also understand the concept of inflation, so its not a roi thing, his acquisition cost is actually 70 to 80k. Again if he could extract more benefits through it, and he said he did the calculations I am good with it and appreciate this bold move but again it could not be a sane move for broader set of people.

Now coming about emotional value of the card, the status, the impression🙂 well you never earned that status you bypassed it. You never learnt cruising the rewards structure and milestone game with DCP and Regalia gold. You directly reached the Infinia credit card, again I don't have any problems with a specific set of people doing this.

At last I have been very respectful with all my earlier replies, and only wanted to express my understanding and thoughts about it.

 

[Finchamp!]

First of all, I would have really never ever wanted to hurt your IITian ego. I'm sorry if I did that 🙂 Now coming to the crux of our discussion, even though I agree with most of the points in your brief explanation you are still missing some very important points.

First of all when I said, this specific route didn't make a lot of sense I meant it would be a bad decision for most of the people. I myself was very excited about this, was following up on the previous thread where he was scared if he would get the card after getting 1cr fd done. The guy did his calculations and remember the hdfc guys asked him to wait for 3 months for the card after the fd, he was lucky enough to get rid of fd in 50 days so originally he was okay to spend 1.5 lakhs for this card. Now you put a poll here and ask how many people are ready to shell 1.5 lakhs for inifina. Also I am not challenging @Hackmebro decision and calculations here, I think he got lucky here with 50 days and i appreciate him sharing his journey but again its his specific use case where he thinks he can get the output.

Secondly, let me counter you on your notion of 70- 80k hit on his profits not principal 🙂 I am sure his surplus is not lying at home, minimum it would earn the interest at 7 percent, forget about generating some good interests. I am sure you also understand the concept of inflation, so its not a roi thing, his acquisition cost is actually 70 to 80k. Again if he could extract more benefits through it, and he said he did the calculations I am good with it and appreciate this bold move but again it could not be a sane move for broader set of people.

Now coming about emotional value of the card, the status, the impression🙂 well you never earned that status you bypassed it. You never learnt cruising the rewards structure and milestone game with DCP and Regalia gold. You directly reached the Infinia credit card, again I don't have any problems with a specific set of people doing this.

At last I have been very respectful with all my earlier replies, and only wanted to express my understanding and thoughts about it.

Appreciate you moderating your tone, @NikhilG . While I still find myself at odds with a few of your views, I suppose that’s the charm of financial freedom—there’s no single playbook. If we were all chasing the same benchmarks, this community wouldn’t even exist, would it? 😊 The real beauty lies in the diversity of our choices.

 

[kvndsz512]

Can't stop laughing...I have rejected this shitty card twice....Check my earlier posts....I have infiniti account in HDFC..Jalo mat barabari karo...

ohio infiniti ka dc metal hai kya? can u share pics of the DC kaisa hai dekhna hai

 

[Hackmebro]

ohio infiniti ka dc metal hai kya? can u share pics of the DC kaisa hai dekhna hai

Rich boy is here, welcome to my thread

 

[Hackmebro]

First of all, I would have really never ever wanted to hurt your IITian ego. I'm sorry if I did that 🙂 Now coming to the crux of our discussion, even though I agree with most of the points in your brief explanation you are still missing some very important points.

First of all when I said, this specific route didn't make a lot of sense I meant it would be a bad decision for most of the people. I myself was very excited about this, was following up on the previous thread where he was scared if he would get the card after getting 1cr fd done. The guy did his calculations and remember the hdfc guys asked him to wait for 3 months for the card after the fd, he was lucky enough to get rid of fd in 50 days so originally he was okay to spend 1.5 lakhs for this card. Now you put a poll here and ask how many people are ready to shell 1.5 lakhs for inifina. Also I am not challenging @Hackmebro decision and calculations here, I think he got lucky here with 50 days and i appreciate him sharing his journey but again its his specific use case where he thinks he can get the output.

Secondly, let me counter you on your notion of 70- 80k hit on his profits not principal 🙂 I am sure his surplus is not lying at home, minimum it would earn the interest at 7 percent, forget about generating some good interests. I am sure you also understand the concept of inflation, so its not a roi thing, his acquisition cost is actually 70 to 80k. Again if he could extract more benefits through it, and he said he did the calculations I am good with it and appreciate this bold move but again it could not be a sane move for broader set of people.

Now coming about emotional value of the card, the status, the impression🙂 well you never earned that status you bypassed it. You never learnt cruising the rewards structure and milestone game with DCP and Regalia gold. You directly reached the Infinia credit card, again I don't have any problems with a specific set of people doing this.

At last I have been very respectful with all my earlier replies, and only wanted to express my understanding and thoughts about it.

While I’m mostly okay with your statements, I do not feel any status was bypassed.

 

[Sobirvs]

ohio infiniti ka dc metal hai kya? can u share pics of the DC kaisa hai dekhna hai

meanwhile sunit123 rushes to google for finding metal infiniti dc.

 

[Finchamp!]

While I’m mostly okay with your statements, I do not feel any status was bypassed.

Absolutely. Instead of DCP to Regalia to DCB to Infinia, our CC journey evolved across banks. My first card was ICICI Coral. Moreso, FD ke 1 Cr bhi tumne kamaya hi hoga bhai 😅 😅 . Agar loan woan lekar FD ki hai toh abhi bata do. Main @NikhilG ko sorry bolkar sone chala jaoonga 😂

 

[Finchamp!]

meanwhile sunit123 rushes to google for finding metal infiniti dc.

Arey arey 😅😂

 

[Hackmebro]

Absolutely. Instead of DCP to Regalia to DCB to Infinia, our CC journey evolved across banks. My first card was ICICI Coral. Moreso, FD ke 1 Cr bhi tumne kamaya hi hoga bhai 😅 😅 . Agar loan woan lekar FD ki hai toh abhi bata do. Main @NikhilG ko sorry bolkar sone chala jaoonga 😂

Bhai aisa hota toh mai kudh sharam ke maare post nahi dalta 😂