Hey can you do similar video on hdfc regalia gold : how to maximize the benefits using smart buy and without smart buy portal . I am not able to get any clarity on any other TH-cam videos on this topic .
What is bonus reward points that you mentioned while buying amazon voucher. I took the infinia card last month but I couldn’t find any mention of bonus reward points
@dugarniraj on 4:37, you say If i book flight tickets using reward points, i get 16.5% back on that as well. how can the spend using reward point can incurr rewards back??? Have you really done it?
I viewed but those does not justify usage of let's say American exp card which return at best 8 to 12 % specially when I can use excellerated points to get 14% to 16% rewards in all purchases I make..
Hi, I had DCB LTF, but was not using it much since I have SBI Cashback, AMEX MRCC. Now I was able to take an upgrade to Infinia Metal chargeable. Was it a worth move? I am able to meet the 10 Spends, but nothing more than 10. So was it a wise move?
@@dugarniraj why tho , you can spam them on flight or tanisq vouchers with 1:1 redeeming ? I searched far and wide and haven't come come accor a better card. My statement excludes Amex with their obscene fees and Almost nil acceptability. I don't enjoy splurging on expensive hotels much.
Why would you say it does not make sense? Like what is the math that says atlas+ Amex plat travel is better? If these spends are mostly travel and dining then Indian will still give better returns no?
Hi Niraj Sir, I am confused on credit card . I have Premium of 10L/Year and Utility Spend of Amazon Voucher as 1L /year + Gold Purchase (2L approx/Year). Shall I go for HDFC Infinia or Regalia Gold + SBI Cashback(to get 5% cahback on Amazon Voucher) or AMEX Platinum Travel Credit ?MRCC card.
Amex MRCC or Amex Gold charge card? For basic spend of 6k per month on insurance for the reward points. I am confused as Gold charge card has a high renewal fees compared to MRCC with no renewal benefit. Please recommend.
@dugarniraj I see the offer is changed now for platinum travel card. instead of 40k points they are giving only flipkart vouchers? can u please make an updated video and evaluate if still worth it? Can we still transfer these points to Marriot?
Hi Niraj, I bought the amazon pay gift card from the infinia card and added to amazon pay balance. But its the shopping balance only and can be used for shopping not for paying utilities bills. I have checked terms & condition, its all about shopping balanace. How do you do it? Am i missing something here? Looking forward to your response!
it would be great if you can come up a small video on that... and may differentiate the two as well as most of the people doesn't understand the shopping balance vs wallet balance.
will exclusion list such as wallet transaction, government transaction , Fuel Spends part of milestone threshold calculation of 4Lakh quarterly in DCB Metal ?
I didn't find tanishq vouchers anymore, i think, its better to buy directly from non branded merchants, bcoz online branded platforms add making charges even on gold coins
Hi if I refill my Amazon pay balance will I still get the points. As I can't see any option where a gift voucher can be used for other payment. They have put a checklist where in it shows can't be used on Amazon pay
What happened to using infinia points for accor live ?? Is that not worth it ? And what about buying gold from tanish if you dont fly much ?!? Also net reward on utility is 8% buy doing amazon vouchers ?
RM is the most useless thing that banks offer..Most RMs are useless. I dont even get a callback from my RM. If anyone knows whom should i complain/escalate this, pls let me know. I am also an imperia customer
Dear Niraj, I've liked & subscribed your channel. Also, applied for HDFC card using your link. I was only eligible for HDFC Moneyback, Swiggy & IndianOil cards but, not Infenia. So, I've continued & applied for Moneyback as of now. Its been approved, I shall then use it & build the credit history then, try to upgrade for Infinia. Appreciate all your time & efforts. TA, Santosh from Bangalore - We shall be in-touch as I'm also Credit Card enthusiast !!!
Neeraj, Gyftr is not showing an option to pay by card if I buy Amazon pay voucher. It is only showing UPI, epay wallet etc. Any alternates you suggest to buy amazon vouchers by card and still get the reward points?
@@dugarniraj I bought the policy for my parent , I needed to buy something anyways so it's not a complete loss to be honest. And if iam getting the card then why not. But iam super pissed because of the all the devaluation they have done on the card specially on Accor. I guess the best option I see now is spam tanisq vouchers and get on the gold buying spree.
@@dugarniraj i understood and what u said is true about 2x listening. But when it comes to important subject. I like to go slow to understand best. Nice content u r making Thanks and keep doing
@@dugarniraj kahan jana h bhai, itna time bacha k, thoda relax hi krlo... jyada fast fast karna everything creates a negative impact on body and mind. #justchill
well there are lots of better things do in life - I do long distance running, run a business, run this channel, write on nirajdugar.com, learning to play the piano, manage real estate for my family. so I cant chill :)
@@dugarniraj haha, to sabkuch fast fast hi karenge kya Niraj ji aap. Sorry but I didn't mean that you don't have other priorities or interest etc, I just meant whatever you do, doing with easy mind is good for body and soul. anyhow you are your own boss and way matured than me, so NVM.
Hi @dugarniraj I applied for Amex Platinum travel card using your referral link. Hope you got your referral bonus points. Thanks for educating us on credit cards, comparisons and best practices. Please keep making more videos on credit cards regularly (even better if Amex 😜)
Pls do subscribe. Apply for HDFC now - lucrative.gotrackier.com/click?campaign_id=303&pub_id=506&url_id=1
Make video on HDFC biz black
Amazon pay is still available on gyftr?
Sir I am confused between Biz black and Infinia. Can u suggest?
not able to pay monthly recurring bill payments through amazon vouchers. kindly rectify the video.
So my video is incorrect because you are not able to pay? 😃
Yes it is a shopping voucher . I was not able to use the voucher for bill payments. Are u able to ?
shopping voucher does not work. its for "shopping". You need to use amazon pay voucher
Amazon pay voucher not available. How to get Amazon pay voucher with infinia card
@@dugarniraj I am also not able to pay. Gytr gives gift vouchers and gift voucher balance cannot be used to pay utility bills. Please guide .
Amazon pay voucher is limited only to 10k.
How do you deal with that?
Take what we get 😁
Do we get 5% cashback on Amazon beyond 10k voucher spend?
Hey can you do similar video on hdfc regalia gold : how to maximize the benefits using smart buy and without smart buy portal .
I am not able to get any clarity on any other TH-cam videos on this topic .
What is bonus reward points that you mentioned while buying amazon voucher. I took the infinia card last month but I couldn’t find any mention of bonus reward points
How to turn on global value program is it applicable on sevis i20 payments on infinia card ?
How will GVP be applicable on local payment?
OK BTW how to turn on gvp ?
@dugarniraj on 4:37, you say If i book flight tickets using reward points, i get 16.5% back on that as well. how can the spend using reward point can incurr rewards back??? Have you really done it?
you pay 30% in cash right? spends on smart buy give you 5x back. so 5x on that 30%
Hey any voucher given on Infinia, for achieving spend milestones?
(Something like Diners)
do we have max points at smart buy if we book flight in calendar month as i got only 15k points on 2L flights tickets 😢
15k is the cap bro
@@dugarniraj would it have been smart move to use add on card ?
@@theguptamadhurtotal is 15k.
I have dcb and I have to split purchase.
My statement Generation date is 15th so I should spend on 15th or 16th for next cycle I.e get max credit period of 50 days ??
please also share why this is not your primary credit card and what card you use to maximise savings..
refer other videos
I viewed but those does not justify usage of let's say American exp card which return at best 8 to 12 % specially when I can use excellerated points to get 14% to 16% rewards in all purchases I make..
Will smartbuy give 5x reward points for booking international flights?
Hi, I had DCB LTF, but was not using it much since I have SBI Cashback, AMEX MRCC. Now I was able to take an upgrade to Infinia Metal chargeable. Was it a worth move? I am able to meet the 10 Spends, but nothing more than 10. So was it a wise move?
worth will depend on how you're able to use the card :)
@@dugarniraj mostly spending on those categories where I would get a meagre 1%, and then the multiplier, so a wise move I believe! Thank you :)
@@Bhatijican we get 17% return on offline spends including milestones on a credit card
I need help on how to use this.
You can always hire someone to help you 😊
Does Infinia makes sense if your yearly spends are under 10L, which I try to split between Atlas and AMEX Platinum Travel?
Doesn’t make sense
@@dugarniraj why tho , you can spam them on flight or tanisq vouchers with 1:1 redeeming ? I searched far and wide and haven't come come accor a better card. My statement excludes Amex with their obscene fees and Almost nil acceptability. I don't enjoy splurging on expensive hotels much.
Why would you say it does not make sense? Like what is the math that says atlas+ Amex plat travel is better? If these spends are mostly travel and dining then Indian will still give better returns no?
Hello please Say about HDFC biz black and i am using regalia &how to upgrade it to infinia
Hey if we do upi transaction does it count on card spending?
if your card is linked to UPI, yes
I earned about 4.5lakh worth points last year and redeemed it for Tanishq gold vouchers worth the same amount😎
Incredible
Bro how much do you spend to earn 4.5 lakh worth points ?
@@nitinsingh1569 sshhh
Bro you should have done that spend via axis magnus. That would have tripled your returns. Even in hdfc transfer to accor to almost double your return
You spend around 1.25cr
That would have fetched you around 10 to 29 lakh in form of hotel and flights depending upon your usage
Hi Niraj Sir, I am confused on credit card . I have Premium of 10L/Year and Utility Spend of Amazon Voucher as 1L /year + Gold Purchase (2L approx/Year). Shall I go for HDFC Infinia or Regalia Gold + SBI Cashback(to get 5% cahback on Amazon Voucher) or AMEX Platinum Travel Credit ?MRCC card.
take 2 plat travel cards and pay the premium
Do we get 12500 reward points if we meet the fee waiver spend limit? Is it worth stretching spends to meet the spend limit?
You don’t
Amex MRCC or Amex Gold charge card?
For basic spend of 6k per month on insurance for the reward points.
I am confused as Gold charge card has a high renewal fees compared to MRCC with no renewal benefit.
Please recommend.
Definitely Gold if you can spend 1000x6=6000rs monthly on reward mutiplayer. Else MRCC
MRCC IMO
@dugarniraj I see the offer is changed now for platinum travel card. instead of 40k points they are giving only flipkart vouchers? can u please make an updated video and evaluate if still worth it? Can we still transfer these points to Marriot?
Where do you see it saaar
Hi Niraj,
I bought the amazon pay gift card from the infinia card and added to amazon pay balance. But its the shopping balance only and can be used for shopping not for paying utilities bills. I have checked terms & condition, its all about shopping balanace.
How do you do it? Am i missing something here?
Looking forward to your response!
There are two different types of vouchers
Amazon pay
Amazon shipping voucher
You bought the latter
@@dugarniraj i couldn't find the amazon pay voucher... its just say amazon pay gift card
yes that..
@@dugarniraj but that gets added as a shopping voucher not as a amazon pay wallet balance.
it would be great if you can come up a small video on that... and may differentiate the two as well as most of the people doesn't understand the shopping balance vs wallet balance.
Currently, they are providing infinia metal card only. Is there any way to get the normal infinia card?
New only metal
When I go to buy vouchers it cost me 517 instead of 500 , so how can we save if we pay more ?
cannot save
will exclusion list such as wallet transaction, government transaction , Fuel Spends part of milestone threshold calculation of 4Lakh quarterly in DCB Metal ?
hey Niraj,
is buying GOLD coins or bars a good option using Infinia metal CC, do we get reward points for that?
normal rewards, yes
I didn't find tanishq vouchers anymore, i think, its better to buy directly from non branded merchants, bcoz online branded platforms add making charges even on gold coins
@@dugarniraj not able find tanishq vouchers anymore
Hi sir , the global program that you mentioned is currently being denied by customer care , is it discontinued ?
Did you get LTF or it has annual fees?
Fees
The Amazon pay voucher is only applicable for shopping and not bill payments. Not sure if you really use it.
Bro that’s Amazon shopping voucher. There are different types. Pick the right one
@@dugarniraj Sure bro. Need to have a second look. Thanks.
Hi if I refill my Amazon pay balance will I still get the points. As I can't see any option where a gift voucher can be used for other payment. They have put a checklist where in it shows can't be used on Amazon pay
How about buying Zomato, blink it etc these kind of vouchers on gyfter if we are using these apps regularly?
can do that
Which one is your primary card and for which purpose you use which card? Can you keep a session, may be paid one as well.
I have moneyback plus 6 months over no offer for upgrade, any tips? I dont file itr since im a student
can i use infinia card for international purchases in Germany?
yes - ive spoken about it
I recently got Master variant of Infinia. Which one is better according to you Visa or Master?
Both are fine.
Will I get reward point if I pay hospital bill?
Yes
You get reward points for insurance payments seperately? You’re saying we don’t get it?
you get - 5k per day but 3.3% only
Can I have DCB and Infinia both?
yes
What happened to using infinia points for accor live ?? Is that not worth it ? And what about buying gold from tanish if you dont fly much ?!? Also net reward on utility is 8% buy doing amazon vouchers ?
Can i use this card in uae
RM is the most useless thing that banks offer..Most RMs are useless. I dont even get a callback from my RM. If anyone knows whom should i complain/escalate this, pls let me know. I am also an imperia customer
Principal nodal officer
Hi will you be doing a video on HDFC Infinia after the new downgrade? Thanks
No significant changes
@@dugarniraj thank you.
Hello hi
I hv paid my insurance premium today with this card Will I gt my reward points I am a housewife and don’t know much abt this
infinia, yes
Dear Niraj, I've liked & subscribed your channel. Also, applied for HDFC card using your link. I was only eligible for HDFC Moneyback, Swiggy & IndianOil cards but, not Infenia. So, I've continued & applied for Moneyback as of now. Its been approved, I shall then use it & build the credit history then, try to upgrade for Infinia. Appreciate all your time & efforts. TA, Santosh from Bangalore - We shall be in-touch as I'm also Credit Card enthusiast !!!
good to know Santosh - let me know how your journey goes
Which is your primary credit card?
No such thing as primary card. It’s a portfolio
But I dnt want to maintain a portfolio, just 1-2 cards that maximize my cashback.
Yearly spend - around 15 lakhs
As of now using Axis vistara Card
@@sumeetsood232get infinia or dcb, get ltf amazon pay credit card, for UPI I got Tata neu rupay card. I wish I get infinia some day.
I recently got HDFC Infinia Mastercard version. Is there any difference in features compared to Visa variant card?
Nope. I think you can ask for visa too
Visa
Infinite
Has BOOKMYSHOW movie and f&b ticket benefit
No difference. Infinia is a credit card offering from HDFC Bank. Visa/Mastercard is just a network partner. Hence no difference
How did you get? I mean did they upgrade from any existing credit card?
Visa infinite has book my show ticket benefit , I don't think Mastercard has
Neeraj, Gyftr is not showing an option to pay by card if I buy Amazon pay voucher. It is only showing UPI, epay wallet etc.
Any alternates you suggest to buy amazon vouchers by card and still get the reward points?
Not able to make utility bill by Amazon voucher
buy amazon pay voucher bro
Where to buy Amazon pay voucher? As smart buy gives only shopping vouchers
@@dugarniraj from where to buy buy Amazon pay voucher bro...its not available I think
Global value program is no longer active on infinia metal.
It is. I'm using it
use more visual text, cards, images than monologue.
Totally agree Mohit but TH-cam doesn’t make any money for me so no budget to spend on editing 😊
WHY NOT USE DCB NIYO CARD WHERE THERE IS NO FOREX MARKUP FEE AND GST
why are you shouting? :)
Why should I not take the extra 2.3% points ?
How 2.3% extra?
3.3% base reward -- 2.3% FX markup (Including GST) gives a net benefit of 1%. How are you getting 2.3% ?
Please share video of journey to get infinia
Journey From HDFC Regalia First To HDFC Infinia for 33% Rewards | CA Niraj Dugar
th-cam.com/video/5g4tD4p7g-Q/w-d-xo.html
I was talking to my RM last week and he was saying you can get infinia if you have high salary of 2.5 - 3 lakh per month
3.5 lakhs in hand from what I know
I bought 1.3 L policy from them and got the card.
Getting the card is not that difficult, getting it for life time free is the key if anyone can help me.
@@harryp3804 bad idea
@@dugarniraj I bought the policy for my parent , I needed to buy something anyways so it's not a complete loss to be honest. And if iam getting the card then why not. But iam super pissed because of the all the devaluation they have done on the card specially on Accor. I guess the best option I see now is spam tanisq vouchers and get on the gold buying spree.
I've got Infinia LTF
superb congratulations
Hi, could you please let me know how u got it?
@@saravanansavb sure
@@cb7762 u can comment here itself if that is ok for u
Global value program is stopped now
have you called and checked?
@@dugarniraj yes, checked with customer care
I enabled it one month earlier
Yes, the Global value program got discontinued from 31st March 2024 onwards
Such an outdated vijio really , hdfc suckling hard by spamming these card for insurance policies nowadays and devaluing the heck out of it.
Koelpin Curve
Bro nice information, but please speak little slowly. U r going too fast 😂
Wow you can’t understand this? I generally make the video 1.2x
Practice listening at 2x. It’s a waste of time otherwise
@@dugarniraj i understood and what u said is true about 2x listening. But when it comes to important subject. I like to go slow to understand best.
Nice content u r making
Thanks and keep doing
@@dugarniraj kahan jana h bhai, itna time bacha k, thoda relax hi krlo... jyada fast fast karna everything creates a negative impact on body and mind. #justchill
well there are lots of better things do in life -
I do long distance running, run a business, run this channel, write on nirajdugar.com, learning to play the piano, manage real estate for my family. so I cant chill :)
@@dugarniraj haha, to sabkuch fast fast hi karenge kya Niraj ji aap. Sorry but I didn't mean that you don't have other priorities or interest etc, I just meant whatever you do, doing with easy mind is good for body and soul. anyhow you are your own boss and way matured than me, so NVM.
Hoppe Drive
Dolores Summit
everything is fine, but pls try to speak little slow
This 20000rs amazon pay voucher
Is reduced to 10000rs now
just bought 20k voucher
You should speak slow and take deep breath
Hi @dugarniraj
I applied for Amex Platinum travel card using your referral link. Hope you got your referral bonus points.
Thanks for educating us on credit cards, comparisons and best practices.
Please keep making more videos on credit cards regularly (even better if Amex 😜)
Hahah sure. Let me know what topics on Amex
@@dugarniraj I heard some of my friends that Amex is not accepted everywhere, is that true ? What’s your experience in bangalore been ?
@@dugarnirajwould you recommend hdfc Infinia or Amex platinum travel is better ?
See if you can get infinia. It’s good to have 100%. Plat travel if your expenses are high you can add
Claudia Cove
Labadie Trafficway
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60945 Kaden Field