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Hdfc millennia vs infinia
- Thread starter Aquarab
- Start date
Aquarab
TF Buzz
Yes. But i am not sure as to why should i upgrade from milennia as its a good cash back card
Chaitanya-a
TF Prestige
If you're okay to pay such fee for Infinia, then only choose it. Else Millenia is better.
sv004
TF Premier
Yes basically infinia is a travel card. If u use it for travel then 3.3% reward rate but if u are interested in cashback then u have to purchase amazon pay gv then reward becomes 1.6%. And on smart buy it becomes 5× meaning 8per. Which i guess is still more than millennia. So if u are ok with buying gv from smart buy for each and every purchase from amazon fk, nyka etc then u should go for Infinia.
Aquarab
TF Buzz
Is it worth it? Compared to my LTF millennia
That's my dilemma
Chaitanya-a
TF Prestige
That's what @sv004 said. If you're more into frequent airline travelling, then only these super premium cards are worthy. Otherwise your Millenia card is good enough.
bugmenot
TF Ace
Infinia is far far better than millennia but infinia is reward points card and best choice for high spends. Infinia reward points can be transferred to airmiles or air ticket hotel booking as 1:1 ratio.
Analyse your spends and your choice of reward between cashback or reward points which can be redeemed for few travel related options.
Analyse your spends and your choice of reward between cashback or reward points which can be redeemed for few travel related options.
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It also depends on your spending...
for example, if you usually transact around 30-40k per month on CC (amazon, flipkart, etc, etc) then millennia would be better
if your overall spends are around 80k to 1L each month, then Infinia would be a better choice as your would get fees reversal on infinia and the points you collect would be used to buy Tanishq/App vouchers at 1:1 rates.
So select based on your usage
You are comparing Apples with Oranges. Millenia is a normal entry level card with good cashback offers and Regalia is an upgrade for travel benefits. Infinia is a Super Premium card which most desire but do not get. If bank is offering Infina from Millenia then one must jump for the offer.
In 3L you got infinnia upgrade offer ?
The floor limit I think is 10 lakhs now for metal infinnia
The floor limit is 8 Lakhs. And HDFC is known for not upgrading to Infinia from millenia. @Aquarab must jump for the offer before HDFC changes its mind. Infinia is FYF card so enjoy for one year and downgrade later if you ever wish to.
PVC floor limit was 8 lakhs , metal is 10 lakhs
I got metal at 8 Lakhs and later the limit was increased.
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Aquarab
TF Buzz
I was worried about fee. Moreover millennia rewards are pure cash back
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