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Hdfc millennia vs infinia
- Thread starter Aquarab
- Start date
Aquarab
TF Buzz
I have used regilia and millennia in much lower limits. Although they shouldn't be provided to me as per their terms and conditions of Limit
That’s interesting!
You good a prior relationship with Bank with high NRV?
Or are you part of wealth banking above Classic tier?
Aquarab
TF Buzz
I used to have salary account in hdfc. And yes I have been maintaining a good credit record all over. So that might be the reason.
PREMPATEL12
TF Buzz
From the little knowledge that I have and my 1 month of using infinia, it's the best card out there, specifically after magnus deval. I wonder why people here are giving info like u get 3.3% on travel, and for 30-40k pm u shud go for millenia.
Travel- infinia gives around 15.5% taking the convenience fee into account on flights. hotel bookings it gives 33% returns as RPs, and 1 RP=1Re for Tanishq, Apple and also for Travel bookings. I know the tickets and hotels are generally expensive on smartbuy portal as compared to mmt, agoda, etc- but with these %ages, i did some calculations and it's easily much better than any of the other portals- and you don't have to think much, I got a similar deal on agoda for hotels where the price with cashback matched infinia's price - 33% RPs, but that was too much of a headache of looking for deals, waiting for 3 months for a cashback, etc.
You get around 15% for amazon and 16.6% for other gift vouchers, and i believe if you know how to spread your grocery and shopping expenses- across blinkit, amazon, flipkart, swiggy- you are good to go.
Who are saying that it's a travel card or not good for low spends- don't know why they are saying so.
As for the fees, although it's 12,500 (you can extract that much value by buying GVs of around 75k), but you do get 12,500 RPs. So it's around 2,250/- of GST that's actually what you are paying for.
And obv there are other benefits like hdfc concierge (not sure how that is, as I am not that much into using such things), and the benefit of having infinia blue metal card- which some people consider as boosting their egos (although don't concur with the idea that one shud be so shallow as to need a piece of metal to boost one's ego.)
Travel- infinia gives around 15.5% taking the convenience fee into account on flights. hotel bookings it gives 33% returns as RPs, and 1 RP=1Re for Tanishq, Apple and also for Travel bookings. I know the tickets and hotels are generally expensive on smartbuy portal as compared to mmt, agoda, etc- but with these %ages, i did some calculations and it's easily much better than any of the other portals- and you don't have to think much, I got a similar deal on agoda for hotels where the price with cashback matched infinia's price - 33% RPs, but that was too much of a headache of looking for deals, waiting for 3 months for a cashback, etc.
You get around 15% for amazon and 16.6% for other gift vouchers, and i believe if you know how to spread your grocery and shopping expenses- across blinkit, amazon, flipkart, swiggy- you are good to go.
Who are saying that it's a travel card or not good for low spends- don't know why they are saying so.
As for the fees, although it's 12,500 (you can extract that much value by buying GVs of around 75k), but you do get 12,500 RPs. So it's around 2,250/- of GST that's actually what you are paying for.
And obv there are other benefits like hdfc concierge (not sure how that is, as I am not that much into using such things), and the benefit of having infinia blue metal card- which some people consider as boosting their egos (although don't concur with the idea that one shud be so shallow as to need a piece of metal to boost one's ego.)
sudhanshu22
TF Buzz
If an offline store runs 10% instant discount for HDFC credit cards, do we get that offer on millenia credit cards ? Also, what about instant discount of 12% on makemytrip flight ticket booking offer for HDFC cards, do we get these offers for millenia cards as well ?
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