How Many Points do you earn on your HDFC Super Premium / Premium cards in an Year? (Infinia, Infinia PVC, DCB Metal, DCB PVC, Regalia Gold)

[Animal]

from past 2/3 yrs never missed monthly 15k bonus points from infinia 🤣

Curious to know how you have been hitting monthly capping since 2-3 years.

 

[Salvo08]

Is Regalia Gold really Super Premium? Whats the best use case for optimised returns on that card if anybody can speak from experience?

Not Super Premium but certainly a premium card among HDFC cards. Gives you better rewards conversion ratio and lounge access

 

[BVCBVC is verified member.]

Is Regalia Gold really Super Premium? Whats the best use case for optimised returns on that card if anybody can speak from experience?

It's premium card from HDFC focused on travel spends mostly. You get unconditional lounge access, Smart Buy access and better value for Gold catalogue (mostly useless sometimes). It's stepping stone for higher cards.

 

[Salvo08]

Curious to know how you have been hitting monthly capping since 2-3 years.

Ya wondering too. Have only reached that milestone once in the last two years.

 

[tachniki]

Ya wondering too. Have only reached that milestone once in the last two years.

Curious to know how you have been hitting monthly capping since 2-3 years.

Nver reached milestone. But stil have collected about 150000 in about 9 months.

 

[TEMPER]

Curious to know how you have been hitting monthly capping since 2-3 years.

90% apay,asv and fk gvs. after they started conv fee buying fk gvs

 

[Salvo08]

90% apay,asv and fk gvs. after they started conv fee buying fk gvs

Ya even with that it is difficult to reach 15K limit unless you are also booking couple of flights and hotel stays as well.

 

[Pran2023]

I'm having Infinia since Sep'19 and accumulated 22L+ RPs and redeemed almost all.

 

[Salvo08]

I'm having Infinia since Sep'19 and accumulated 22L+ RPs and redeemed almost all.

That's amazing. 22L or 2.2L. Ya earlier there was no limit on RPs I presume. Otherwise with 15K limit it would have taken 12+ years to reach there

 

[msd07]

using regalia gold...last card year acccumulated 21K points and got all milestone benefits...
two 5K flight vouchers
4 quaterly 1.5K vouchers
2 uber 300 vouchers..

Requested for DCB Metal LTF and they are ready to offer DCB FYF and I have requested for Infinia FYF out of greed.. mostly they will reject infinia...

 

[cardio_guycardio_guy is verified member.]

using regalia gold...last card year acccumulated 21K points and got all milestone benefits...
two 5K flight vouchers
4 quaterly 1.5K vouchers
2 uber 300 vouchers..

Requested for DCB Metal LTF and they are ready to offer DCB FYF and I have requested for Infinia FYF out of greed.. mostly they will reject infinia...

This is a good achievement.

 

[tachniki]

That's amazing. 22L or 2.2L. Ya earlier there was no limit on RPs I presume. Otherwise with 15K limit it would have taken 12+ years to reach there

15k per month limit is only for accelerated rewards.

 

[Salvo08]

15k per month limit is only for accelerated rewards.

Absolutely, but with normal rewards it's even more difficult to reach that figure.

 

[tachniki]

Another interesting thing to check ia ratio of your spend of expenses that give accelerated rewards vs total spend on card. For me it is aboit 30%.

Also, what is ratio of rewards from expense that gives accelerated awards vs total rewards. For me it is about 60%.

 

[Pran2023]

That's amazing. 22L or 2.2L. Ya earlier there was no limit on RPs I presume. Otherwise with 15K limit it would have taken 12+ years to reach there

It’s 22L.
Earlier the bonus cap was 25K I think.
I’m also one of the very first holders of Infinia Metal. I was on my trip to Jammu & Kasmir during Sep-Oct’21 when I got a call from one HDFC officer from Mumbai who offered me the free upgrade and I instantly accepted.

 

[y2k]

Not Super Premium but certainly a premium card among HDFC cards. Gives you better rewards conversion ratio and lounge access

It's premium card from HDFC focused on travel spends mostly. You get unconditional lounge access, Smart Buy access and better value for Gold catalogue (mostly useless sometimes). It's stepping stone for higher cards.

Ok so lounge access is the common factor - more so when it does not has a spend criteria for it. Basically, irrespective of how much ever a user spends on it they can access lounge for free/at nominal rate using it.

As for reward points is relative to lifestyle of user aligning/not aligning with offers from the card. Somebody can be spending huge on clothes not necessarily from Mark Spencers and Myntra so their use case does not fit the accelerated reward journey. Hence the card is relatively less useful for them and relatively not as premium from this perspective for that particular user.

I just questioned with the idea that when it is put in the same title next to Infinia it just strikes out as a question - maybe because of my use case being different but I can now see why most people call it a premium card - their lifestyle is very aligned with what HDFC is offering already or they are able to align it that way irrespective of expenditure so as to get their best use case for an optimised profit out of it. Yeah optimised was the key word in my question but now it makes sense as to why the OP put it so and the perspective of most who would agree with that. 👍