Infinia LTF Regalia GOLD is better than Paid Infinia | Reward Points Calculations/Maths | INFINIA is OVERHYPED

[nits123]

Ref to my recent post, Thanks everyone for your suggestions on Infinia Metal. I considered all points and did some calculations...There are 2 scenarios

1. If Spend is around 7.5 Lac (In normal scenario, Infinia is offered with this much spend..I am not considering special cases of LTF Infinia):

(a) Regalia Gold:
RP's: 20,000
Bonus RP's: 10,000 (5 Lac milestone)
Bonus RP's: 5,000 (8 Lac milestone)
Total RP's: 35,000
A = Value of RP's @ 30 paise = Rs 10,500 (Considering average redemption and not special cases like Gold catalogue/smartbuy flight @ 1:0.5)
B = Quarterly vouchers of Rs 1,500 X 4 = Rs 6,000
C = Flight Vouchers of Rs 5,000 X 2 = Rs 10,000 (5k @ 5 lac and 5k @ 7.5 lac) (Not considering airport drop voucher)
Total Benefit = A + B + C = Rs 26,500

(b) Infinia Metal:
RP's: 25,000
RP's for annual fees = 12,500
A = Value of RP's @ 50 paise = Rs 18,750 (Considering average redemption and not special cases)
B = Annual Fees = Rs 14,750
Net Benefits = A - B = Rs 4,000
Infinia Metal is a BIG loser in this case

Even if you consider RP's value at 1:1 where you have very limited choice to redeem
A = Value of RP's = 25,000
B = Annual Fees RP's value = 12,500
C = Annual Fees incl GST = Rs 14,750
Net Benefits = A + B - C = Rs 22,750
Benefits of Infinia Metal is way below Regalia Gold despite the fact, you will be forced to you redeem infinia RP's only in flight booking or buying apple products

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2. If Spend is around 10 Lac

(a) Regalia Gold:
RP's: 26,666
Bonus RP's: 10,000 (5 Lac milestone)
Bonus RP's: 5,000 (8 Lac milestone)
Total RP's: 46,666
A = Value of RP's @ 30 paise = Rs 12,500 (Considering average redemption and not special cases like Gold catalogue)
B = Quarterly vouchers of Rs 1,500 X 4 = Rs 6,000
C = Flight Vouchers of Rs 5,000 X 2 = Rs 10,000 (5k @ 5 lac and 5k @ 7.5 lac) (Not considering airport drop voucher)
Total Benefit = A + B + C = Rs 28,500

(b) Infinia Metal:
RP's: 33,000
RP's for annual fees = 0 (Annual Fees Waived off)
A = Value of RP's @ 50 paise = Rs 18,750 (Considering average redemption and not special cases)
B = Annual Fees = 0
Net Benefits = A - B = Rs 18,750
Infinia Metal is a BIG loser in this case

Even if you consider RP's value at 1:1 where you have very limited choice to redeem
A = Value of RP's = 33,000
B = Annual Fees = 0
Net Benefits = 33,000
Only 4.5k benefit compared to Regalia Gold which is actually less (refer to point #2 in final conclusion)

MY FINAL CONCLUSION:
1. Infinia Metal is only beneficial if you redeem rewards to book flights through smartbuy or apple products else it is a BIG LOSER compared to Regalia GOLD.
2. 1:1 redemption is actually not a 1:1 as you buy the flight ticket or apple product at FULL value and forego discounts available..This ratio is 1:0.85 (As shared by other experts)
3. Infinia Metal will give you serious stress to spend only on Infinia metal card and you might miss out on other great offers on other cards. Example: Currently Amex is giving maximum offers on Swiggy, Zomato, Blinkit etc.
4. Last but not the least, INFINIA is a OVERHYPED Card in my personal opinion. No offence to Infinia users.

I HAVE DECIDED TO DECLINE THE OFFER TO UPGRADE FROM LTF REGALIA GOLD TO PAID INFINIA.

I apologies if there is any error in my calculation...Kindly mention the same in the comments, I will correct it

 

[Swastik]

Most people when they talk about Reward Rate on Infinia they're specifically talking about Booking Air Tkts on Smartbuy ,so they take Value of RP as ₹1 only
"This ratio is 1:0.85 (As shared by other experts)" ,I'll have to look into this

The other thing is lifestyle Benefits, it gives you and all your Add on's Unlimited Lounge Access Priority Pass (Only PP that can be used in Domestic Lounges) ,so peace of mind for you and your family for lounge access

As you spends Increase with time ,so will that Gap in Points Earning between Regalia Gold and Infinia Metal

This is just my 2 cents ,if you've done your homework and you've come to the conclusion that it's not the right choice for you then stick to it

 

[nits123]

Most people when they talk about Reward Rate on Infinia they're specifically talking about Booking Air Tkts on Smartbuy ,so they take Value of RP as ₹1 only
"This ratio is 1:0.85 (As shared by other experts)" ,I'll have to look into this

The other thing is lifestyle Benefits, it gives you and all your Add on's Unlimited Lounge Access Priority Pass (Only PP that can be used in Domestic Lounges) ,so peace of mind for you and your family for lounge access

As you spends Increase with time ,so will that Gap in Points Earning between Regalia Gold and Infinia Metal

This is just my 2 cents ,if you've done your homework and you've come to the conclusion that it's not the right choice for you then stick to it

Also to add that for flight booking, max 70% is redeemable by points, 30% has to be paid by CC...If you are foregoing discount of Rs 1,000 (available on other websites) just to redeem points on smart buy and pro rate Rs 1,000 against redeemable points then the ratio of 1:0.85 will reduce further....

 

[Swastik]

Also to add that for flight booking, max 70% is redeemable by points, 30% has to be paid by CC...If you are foregoing discount of Rs 1,000 (available on other websites) just to redeem points on smart buy and pro rate Rs 1,000 against redeemable points then the ratio of 1:0.85 will reduce further....

Ahh I see

 

[Swastik]

Infinia Metal is quite coveted and difficult to get ,so not lot of people would turn it down, although most people desire it as LTF(which is more common then you think ,you just need to have right contacts)

 

[Avatar Aang]

IMO Infinia is loved because of the Accelerated RP on Smartbuy/Gyftr and Unlimited Lounge Access program. Same with DCB.

 

[Swastik]

IMO Infinia is loved because of the Accelerated RP on Smartbuy/Gyftr and Unlimited Lounge Access program. Same with DCB.

Oh i forgot about 10x/5x/3x on Smartbuy ,that's another big plus point

 

[JAM]

If you aren't getting .9 value for a 1 point you are doing something wrong.
And you haven't factored gyftr at all.
You have done all your calculations based on the lowest reward rate but the whole point of getting Infinia is to maximize gyftr use and the unlimited lounge access, ITC offer etc.

 

[Zacobite]

Oh i forgot about 10x/5x/3x on Smartbuy ,that's another big plus point

15% off on swiggy dineout after all other discounts ( above 1500) ; Free Air Accident insurance ; ITC buffet/stay benefits if you can use.. 3x/5x/10x ( main benefit) ; 30% paid with card also gets 5x/10x ; RPs returned for fee almost nullify fees; better service experience ( relatively)... although to be fair regalia gold is a great card too...

 

[nrj1007]

Ref to my recent post, Thanks everyone for your suggestions on Infinia Metal. I considered all points and did some calculations...There are 2 scenarios

1. If Spend is around 7.5 Lac (In normal scenario, Infinia is offered with this much spend..I am not considering special cases of LTF Infinia):

(a) Regalia Gold:
RP's: 20,000
Bonus RP's: 10,000 (5 Lac milestone)
Total RP's: 30,000
A = Value of RP's @ 30 paise = Rs 9,000 (Considering average redemption and not special cases like Gold catalogue/smartbuy flight @ 1:0.5)
B = Quarterly vouchers of Rs 1,500 X 4 = Rs 6,000
C = Flight Vouchers of Rs 5,000 X 2 = Rs 10,000 (5k @ 5 lac and 5k @ 7.5 lac) (Not considering airport drop voucher)
Total Benefit = A + B + C = Rs 25,000

(b) Infinia Metal:
RP's: 25,000
RP's for annual fees = 12,500
A = Value of RP's @ 50 paise = Rs 18,750 (Considering average redemption and not special cases)
B = Annual Fees = Rs 14,750
Net Benefits = A - B = Rs 4,000
Infinia Metal is a BIG loser in this case

Even if you consider RP's value at 1:1 where you have very limited choice to redeem
A = Value of RP's = 25,000
B = Annual Fees RP's value = 12,500
C = Annual Fees incl GST = Rs 14,750
Net Benefits = A + B - C = Rs 22,750
Benefits of Infinia Metal is LESS than Regalia Gold despite the fact, you will be forced to you redeem infinia RP's only in flight booking or buying apple products

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2. If Spend is around 10 Lac

(a) Regalia Gold:
RP's: 26,666
Bonus RP's: 10,000 (5 Lac milestone)
Total RP's: 36,666
A = Value of RP's @ 30 paise = Rs 11,000 (Considering average redemption and not special cases like Gold catalogue)
B = Quarterly vouchers of Rs 1,500 X 4 = Rs 6,000
C = Flight Vouchers of Rs 5,000 X 2 = Rs 10,000 (5k @ 5 lac and 5k @ 7.5 lac) (Not considering airport drop voucher)
Total Benefit = A + B + C = Rs 27,000

(b) Infinia Metal:
RP's: 33,000
RP's for annual fees = 0 (Annual Fees Waived off)
A = Value of RP's @ 50 paise = Rs 18,750 (Considering average redemption and not special cases)
B = Annual Fees = 0
Net Benefits = A - B = Rs 18,750
Infinia Metal is a BIG loser in this case

Even if you consider RP's value at 1:1 where you have very limited choice to redeem
A = Value of RP's = 33,000
B = Annual Fees = 0
Net Benefits = 33,000
Only 6k benefit compared to Regalia Gold which is actually less (refer to point #2 in final conclusion)

MY FINAL CONCLUSION:
1. Infinia Metal is only beneficial if you redeem rewards to book flights through smartbuy or apple products else it is a BIG LOSER compared to Regalia GOLD.
2. 1:1 redemption is actually not a 1:1 as you buy the flight ticket or apple product at FULL value and forego discounts available..This ratio is 1:0.85 (As shared by other experts)
3. Infinia Metal will give you serious stress to spend only on Infinia metal card and you might miss out on other great offers on other cards. Example: Currently Amex is giving maximum offers on Swiggy, Zomato, Blinkit etc.
4. Last but not the least, INFINIA is a OVERHYPED Card in my personal opinion. No offence to Infinia users.

I HAVE DECIDED TO DECLINE THE OFFER TO UPGRADE FROM LTF REGALIA GOLD TO PAID INFINIA.

I apologies if there is any error in my calculation...Kindly mention the same in the comments, I will correct it

You didn't consider Smartbuy/gyftr which is the usp of infinia.

 

[nits123]

You didn't consider Smartbuy/gyftr which is the usp of infinia.

Smart buy/Gyftr offers are available on paytm and so many other websites...In my opinion, nothing unique in smartbuy/gyftr....smartbuy flight tickets are normally 10% costly than other websites excluding discounts on other websites like yatra, easemytrip etc...

 

[Alex292929]

@nits123 just wanted know from where did you see that we get bonus 10000 RPs on 5L spend (Regalia Gold) ?

 

[Swastik]

Honestly if i were you, i would've taken it ,

Although i would've preferred it LTF ,would try to make it free ,there are a lot of threads here on how others got it LTF

 

[Avatar Aang]

Honestly if i were you, i would've taken it ,

Although i would've preferred it LTF ,would try to make it free ,there are a lot of threads here on how others got it LTF

Exactly. IMO FYF Infinia in a big yes.

 

[nits123]

@nits123 just wanted know from where did you see that we get bonus 10000 RPs on 5L spend (Regalia Gold) ?

I have received it..Check screenshot...I cross verified with CC team

 

[nits123]

I have received it..Check screenshot...I cross verified with CC team

I forgot to add 10000 more reward points which are due for spending 7.5 lakh....Heading for 750k is mentioned in screenshot also...It will KILL INFINIA once for all

 

[Alex292929]

I have received it..Check screenshot...I cross verified with CC team

Lol I didn’t knew about this, Thanks
I spent 1.2L this month, it is not updated in my case, as the bill is not generated for this month.

 

[Alex292929]

How did you convert it to LTF? I recently raised request to convert it to LTF they said it is only issued as a “price card”. I have a preferred Ac maintaining 5-6L MAB

 

[nits123]

How did you convert it to LTF? I recently raised request to convert it to LTF they said it is only issued as a “price card”. I have a preferred Ac maintaining 5-6L MAB

I was offered LTF after i rejected paid DCB...My spend that year was around 9 lac. I think only trick to get it LTF is spend more than 8 lac and then ask for LTF (My personal opinion)

 

[Alex292929]

Any idea what is this 6L new milestone and 750K SMS milestone?
Please see the screenshot attached below