Infinia Ugraded to Infinia

[NewbiePointHacker]

I just got upgraded to Infinia and I'm already holding Amex Plat Charge & Axis Atlas. I'm unsure how Infinia can be utilized. Use Amex for Marriott Transfer & Atlas for Airmiles (More & better redemption options than Infinia). As Marriott has been excluded from Infinia and Accor devalued, what's the best case usage?
Spends are approx 1 Cr+ per annum.

 

[Firewing224]

They are genuine spends, and I don't trust Axis.

Look, tbh, If you're spending 8L / month. M4B makes more sense due to 5:4 reward redemption and accelerated reward points above 1L. However you'll always have to prove they are genuine spends.

Smartbuy tops out at 90k for airplane tickets (15k cap) or 45k for hotel booking (33% reward). over this, you'll always get 3.3% only. So do this transaction and shift to atlas / M4B.

Also, I'm available to be your travel desk for a fee my fees will be negligible compared to your spends. Infact, I'll just charge the RPs you earn 😅

 

[ccdc]

Most of spends are for Flights (Through Travel Agent) & Hotels. I'm not a bargain hunter but what's the harm in getting something back for free for the things I was going to spend anyhow?
People with high incomes do have other things to do like making more money and somehow saving is also a form of earning.

let me know which offline travel agent you spend with...coz most travel agents i know charge min 2% extra for cc payments....do you use amex or other cards while swiping with offline agent?

 

[Swastik]

It's a waste of time for you; different perspectives & insights for me.

No one should judge anyone on how they want to spend their time and money ,

Most days I'm here just to get latest news and info ,because i find it interesting, even though most of it might not be relevant to me

 

[ccdc]

Most of spends are for Flights (Through Travel Agent) & Hotels. I'm not a bargain hunter but what's the harm in getting something back for free for the things I was going to spend anyhow?
People with high incomes do have other things to do like making more money and somehow saving is also a form of earning.

agreed but saving few thousands is not high on list for ultra rich when compared making lakhs and crores....atleast it wont be for me...but as i said there are exceptions to many things...:/

 

[Swastik]

Most of spends are for Flights (Through Travel Agent) & Hotels. I'm not a bargain hunter but what's the harm in getting something back for free for the things I was going to spend anyhow?
People with high incomes do have other things to do like making more money and somehow saving is also a form of earning.

Would really like to know what you do for a living ,if you can divulge that info

 

[NewbiePointHacker]

let me know which offline travel agent you spend with...coz most travel agents i know charge min 2% extra for cc payments....do you use amex or other cards while swiping with offline agent?

Travelsquare, they are based in Delhi, you need the contact details as well?

 

[NewbiePointHacker]

Would really like to know what you do for a living ,if you can divulge that info

Into family business, we do industrial projects in India & Africa.

 

[NewbiePointHacker]

No one should judge anyone on how they want to spend their time and money ,

Most days I'm here just to get latest news and info ,because i find it interesting, even though most of it might not be relevant to me

That's what I was trying to say.

 

[nrj1007]

Travelsquare, they are based in Delhi, you need the contact details as well?

just out of curiosity, is it cheaper to book flights/hotels via travel agent as compared to online?

 

[NewbiePointHacker]

Look, tbh, If you're spending 8L / month. M4B makes more sense due to 5:4 reward redemption and accelerated reward points above 1L. However you'll always have to prove they are genuine spends.

Smartbuy tops out at 90k for airplane tickets (15k cap) or 45k for hotel booking (33% reward). over this, you'll always get 3.3% only. So do this transaction and shift to atlas / M4B.

Also, I'm available to be your travel desk for a fee my fees will be negligible compared to your spends. Infact, I'll just charge the RPs you earn 😅

Magnus has become really complicated with various MCC codes being excluded, that's why switched to Atlas and Magnus has been devalued even more. I extensively used Magnus from June 2022 till last month but won't continue anymore.

 

[NewbiePointHacker]

just out of curiosity, is it cheaper to book flights/hotels via travel agent as compared to online?

Mostly not but sometimes they give better deals. Support from them is good. Hotels I directly book according to my nature & destination of travel.

 

[Firewing224]

Magnus has become really complicated with various MCC codes being excluded, that's why switched to Atlas and Magnus has been devalued even more. I extensively used Magnus from June 2022 till last month but won't continue anymore.

Use atlas, direct at flight portal. (No mmt etc) or use infinia rp against flights. DM me so I can understand exact routes / airline providers and can optimise everything.

 

[ccdc]

Magnus has become really complicated with various MCC codes being excluded, that's why switched to Atlas and Magnus has been devalued even more. I extensively used Magnus from June 2022 till last month but won't continue anymore.

June 22 to Aug 23....how many ER did you collect (incl the bonus of 25k every month)...must be 50L to 60L min. with your type of spending...

 

[NewbiePointHacker]

June 22 to Aug 23....how many ER did you collect (incl the bonus of 25k every month)...must be 50L to 60L min. with your type of spending...

I collected approx 15L+ points. I wasn't aware about the miles & hotel transfer for few months and used some points for Myntra vouchers. It's only through forums like this I acquired knowledge about Miles/Points and started to better utilize them. After first devaluation used aaprox 700K for family vacation, parked 330K in Krisflyer & 300K in Bonvoy. Stopped using Magnus extensively after it's first devaluation, only used it for big purchases 2-3 times for accelerated rewards, have around 180K ER which will convert with 5:2 to Accor and close the card, though the annual fees will be waived off, it's meaningless to use now.

 

[Sunil R]

I collected approx 15L+ points. I wasn't aware about the miles & hotel transfer for few months and used some points for Myntra vouchers. It's only through forums like this I acquired knowledge about Miles/Points and started to better utilize them. After first devaluation used aaprox 700K for family vacation, parked 330K in Krisflyer & 300K in Bonvoy. Stopped using Magnus extensively after it's first devaluation, only used it for big purchases 2-3 times for accelerated rewards, have around 180K ER which will convert with 5:2 to Accor and close the card, though the annual fees will be waived off, it's meaningless to use now.

15L points omg

 

[ccdc]

Travelsquare, they are based in Delhi, you need the contact details as well?

they dont charge you extra for cc usage (amex/non amex)

 

[infinia_finally]

Congratulations to HDFC Bank!

Lol. This comment made my day.

 

[turingmachine]

You need to spend 10L in the preceding year for the renewal fee waived off in Infinia and also apart from the 10x RP Infinia has a base RP of 3.3%. So, once your Axis atlas spends are met you can use it with 3.3% RP. So, if you spend 30L on this card you can get 1L RP. Apart from that the 10x RP is capped at 15k per month.