Regalia to Infinia upgrade

[navonline7]

I have a Regalia LTF card that I want to upgrade to Infinia. The credit limit on the Regalia card is around 15 lakhs. Since I already fulfill the credit limit criterion, I plan to spend 10+ lakhs in 6 months.

My questions:

• Are school fees and jewellery spends considered for the 10+ lakhs criterion?
• Will I get base rewards for school fees and jewellery spends?

 

[Aniket Sharma]

Oh got it. Is Atlas better compared to Infinia? Nowadays I feel I am giving a lot on processing fee just accure the points.

Looks like but we are also aware of axis unethical behaviour of blocking cards due to heavy usage etc and giving full details of transaction.

Jitna nirmala tai khojti hai usse 10 guna ye dhundhta hai bc

 

[Ash8]

Have a salary account with them for close to three years now. Per my calculations, I might be losing around 8-10k, which I'm fine with. Do you think I should spend the remaining money and hit the 9 lakhs milestone and give it a shot? Just worried about the Imperia status and AMB, which I don't have.

If I were you, I would have tried it. I would take the risk of 8-10k loss than leaving the opportunity and wondering if I could ever have infinia.
No one has been denied infinia for the reasons of Amb or Imperia status but then yes, all the speculations of AMB or Imperia status coming into picture might be true as well.
For the mail that you have sent to HDFC, you might just get a generic reply saying it is based on internal evaluation.

 

[Ash8]

Could you please elaborate more on losses and gain !

Hope you got your answer.

I have Atlas. Some of my spends on Regalia to reach 9L would be on gold. So, I don't stand to lose anything at least on the gold transaction by not using Atlas. Regalia gives RPs for gold transactions, Atlas doesn't. I will be at a loss for other transactions where I can earn a much better reward rate using Atlas.