Should I opt in for Infinia paid from REgalia Gold LTF

[financewizard]

I’m an HDFC Imperia customer and dual LTF cards (Regalia & TATA NEU Infinity) with a shared limit of 15 lakhs. Currently my RM is saying that they can offer Infinia for me via offline processing from bank (upgrade offer is not shown online). If will be a paid Infinia metal card. While I insisted and bargained a lot if they can offer me a LTF Infinia, considering my relationship with the bank, they refused. I have multiple cards (AMEX MRCC, EazyDiner, SBI BPCL Octane, Regalia Gold, Tata Neu Infiniy, Amazon ICICI, ICICI Sapphiro etc) - with most of them bing LTF. My overall CC expense is around 8L and hence I am thinking if I should opt for Infinia paid card or not.

Is there any tips or tricks where I can altleast push for FYF Infinia card?? And lastly will HDFC allow me to retain Regalia Gold (Reason being - maybe if at all I change my mind and close Infinia paid card at later point in time, I can still have LFT Regalia Gold with me..

 

[drabhishekladdha]

I’m an HDFC Imperia customer and dual LTF cards (Regalia & TATA NEU Infinity) with a shared limit of 15 lakhs. Currently my RM is saying that they can offer Infinia for me via offline processing from bank (upgrade offer is not shown online). If will be a paid Infinia metal card. While I insisted and bargained a lot if they can offer me a LTF Infinia, considering my relationship with the bank, they refused. I have multiple cards (AMEX MRCC, EazyDiner, SBI BPCL Octane, Regalia Gold, Tata Neu Infiniy, Amazon ICICI, ICICI Sapphiro etc) - with most of them bing LTF. My overall CC expense is around 8L and hence I am thinking if I should opt for Infinia paid card or not.

Is there any tips or tricks where I can altleast push for FYF Infinia card?? And lastly will HDFC allow me to retain Regalia Gold (Reason being - maybe if at all I change my mind and close Infinia paid card at later point in time, I can still have LFT Regalia Gold with me..

Infina is practically a free card if you travel once a year and spend more than 1L per year

12500 you get back as reward points and only GST will go out of pocket

In most case when they upgrade card they don't take joining fee ( so is first year free ) and they will close primary card

 

[aniketkr.sharma]

I

I’m an HDFC Imperia customer and dual LTF cards (Regalia & TATA NEU Infinity) with a shared limit of 15 lakhs. Currently my RM is saying that they can offer Infinia for me via offline processing from bank (upgrade offer is not shown online). If will be a paid Infinia metal card. While I insisted and bargained a lot if they can offer me a LTF Infinia, considering my relationship with the bank, they refused. I have multiple cards (AMEX MRCC, EazyDiner, SBI BPCL Octane, Regalia Gold, Tata Neu Infiniy, Amazon ICICI, ICICI Sapphiro etc) - with most of them bing LTF. My overall CC expense is around 8L and hence I am thinking if I should opt for Infinia paid card or not.

Is there any tips or tricks where I can altleast push for FYF Infinia card?? And lastly will HDFC allow me to retain Regalia Gold (Reason being - maybe if at all I change my mind and close Infinia paid card at later point in time, I can still have LFT Regalia Gold with me..

It will be fyf through card upgrade