Ever since I obtained into the world of bank cards, i’ve all the time been trying to get HDFC Financial institution’s Infinia Credit score Card, which was the one finest tremendous premium bank card in India by then.
Whereas we now have good options like Customary Chartered Final, Citi Status and much more based mostly on one’s wants, Infinia nonetheless holds the exclusivity and is among the finest bank cards on the market for few causes: 2X on eating, versatile restrict & different service provider provides every now and then.
Be aware: For those who’re new right here & in search of options & advantages of Infinia, please examine the earlier thread with up to date content material right here: HDFC Infinia Credit score Card Evaluate
My Journey to Infinia
Beginning with the Enterprise Platinum card, it took fairly a time to succeed in Infinia. My preliminary thought was to improve from Regalia to Infinia however I obtained a crush on Jet playing cards in halfway and so I went with Jet World/Signature with a plan to get HDFC Diners Jet to hurry up my solution to Jet Plat.
However then I realised that I’ve an excessive amount of of JPMiles to deal with already, so I felt there isn’t a necessity for Diners Jet at that time of time (anyway its not even a subject now). So was the thought of getting Infinia.
Getting Accredited for Infinia
Infinia functions are often processed through RM/BM from Department stage. My first request was denied few years again even after approvals from varied greater ranges. They did have legitimate causes although.
Since then, i’ve elevated the spends & relationship with financial institution multi-folds over time, which actually helped my manner via Infinia.
I obtained it as FYF (First 12 months Free) & annual price might be waived on 8L Spend, else 10okay price relevant with 10okay factors profit.
HDFC Infinia Unboxing
The Field: Infinia got here in a stunning field! Its extra like Sure First Unique Credit score Card field however within the panorama mode.
Contents: Main Credit score Card, Add-on Credit score Card & a Precedence Move for Main Card
PP for Add-on was delivered individually (with out elevating any request) after every week. Attention-grabbing half is, each PP playing cards of Main & Add-On’s have similar quantity.
The Design: The cardboard seems neat & cool with numbers in gold color, like within the Diners Clubmiles card. I’ve tried to snap it in several background to offer you an thought of the way it seems. Right here you go,
Credit score Restrict
I didn’t ask for a restrict enhancement with it so it was the identical restrict, however good half is there received’t be any “over restrict price” even when I by any likelihood exceed my restrict, upto a “buffer restrict”.
A Buffer Restrict is a restrict past your assigned Credit score restrict that exists on all bank cards and is often within the vary of 10% of your Credit score Restrict. Typically you may-not have buffer restrict too, its completely dynamic.
With Infinia, if you happen to cross the buffer restrict too, then they do present momentary restrict enhancement often upto ~2x of the restrict (on request, topic to approval) for 10 days by trying into the linked accounts & card historical past. Ideally, you don’t have to chase limits with regards to Infinia.
What might make Infinia higher?
Perhaps they may ship some items/present vouchers with the cardboard, for instance, SBI despatched me a personalised cardholder with SBI Signature (previous) & a personalised boarding go/bank card holder + improve voucher with SBI Air India Signature.
This wouldn’t value financial institution a lot, however it undoubtedly throws some smile on buyer’s face. American categorical does this in USA for its Amex Platinum cardholders every now and then. Anyway, Amex shouldn’t be doing it in India even after charging a excessive annual price.
These are a number of the reminiscences that cardholders wouldn’t undoubtedly neglect, thereby growing the Model recall & free phrase of mouth advertising, simply as i did now.
2X Eating Profit: I used to be eating out typically for a month or so simply due to this card however now I’ve lowered it as I shifted my eating spends to: Zomato & Swiggy. Due to candy ~40% Off!
Keep in mind, you get 2X Factors even on worldwide eating. I used it throughout my final journey to Vietnam and it really works fairly effectively. On high of all these, the massive 10X profit is of-course fairly helpful too.
Vistara Gold: I obtained the Vistara Gold with Improve Vouchers with this card earlier than it went away, so I’ve few Vistara Enterprise Class journeys to do that 12 months. Anyway, You now get Membership Marriott.
Buyer Care: The help line is fairly good and no concern there. I don’t often get a cause to name them anyway, besides concerning the fulfilment of the Diwali 10X profit someday again.
Be aware: It was NOT a contactless card by then. I’ve put a request now for contactless card and its on the best way.
That each one being stated, it was fairly a journey in direction of Infinia. Its been couple of months since I obtained the cardboard and I’ve been utilizing it for Eating & Worldwide spends very effectively, aside from different common spends.
What’s your tackle HDFC Financial institution’s Infinia bank card at its present place? Be at liberty to share your views within the feedback beneath.