Infinia is not overrated brother. It’s a VISA card hence highest acceptance. I upgraded from DCB to Infinia and I am fully satisfied. DCB had many restrictions in points accrual as well.
I think there are 2 cards from SBI which are very good right now. 1. SBI Vistara Prime (No exclusion on spend except on EMI and Wallets, rent payments are accepted) 2. SBI Air India Signature CC. Comes at 5k charge. It can get you 3-5 Domestic flight tickets worth total 10k - 20k . Good deal at least for 1st year ! From ICICI I found 1 CC which could be considered but only for 1st year, it is ICICI MMT Signature CC. I have a lot of CCs from multiple banks and I've taken out flight benefits from reward points/milestone vouchers of worth 5-6 lakhs in last 3 years. The Cards which I used most in last 3 years are : 1.Axis Vistara Signature CC 2. HDFC Regalia CC 3. Axis Magnus CC (Used for 4 months and then closed it after devaluation, got 75k bonus points) 4. Axis Atlas CC By using the above 4 CC in last 3 years at different periods, I have taken out flight benefits worth 5-6 lakhs and there are others benefits too over and above the flight savings.
Hi Niraj, currently I have dcb pvc one which is LTF. But because of its poor acceptance I want to have infinia. Can you share how to apply for infinia without giving up my current dcb. I don't want to upgrade because going forward if I don't feel the need of keeping infinia I can simply close it and keep using the ltf dcb.
1. SBI cash back for all online spends 2. Airtel Axis for Airtel, Utility, Tomato, Swiggy and Big Basket spends 3. SBI Vistara Prime for all offline spends 4. HDFC Marriott Bonvoy for free hotel night and ALL lounge accesses 5. ICICI Sapphire for BMS offer and Spa access and ICICI offers 6. IndusInd Rupay for Rupay spends 7. regalia pharmeasy spends
I got an offer to convert my LFT Business Regalia credit card to visa Biz power credit card (joining is free but there is annual fee). Will this be beneficial for me to do or not?
Gold charge card is good but i feel MRCC is better. You can get points on insurance and fuel as well through MRCC using some legal tricks, which Amex won't take action on. Also with MRCC. I don't have to pay any joining fee or renewal fee since 1.5 lakh milestone is very easy to hit for mid range credit card users with a monthly spend on 20-30k
@@sreejithskartha8345 For insurance payment, I buy Amazon gift cards for 10k using reward multiplier. My insurance payment is 12.5k and 10k is the monthly limit for Amazon gift cards per one MRCC card. I get 2x MR points also (so 400 points for a 10k transaction) For fuel, I buy indian oil vouchers on Park+ app. You need to find an Indian Oil petrol pump that is willing to accept vouchers. Try to go to company owned IOCL stations and most of them will accept vouchers. Same way, you can get points for fastag recharge also
You have mentioned in many videos that you use hdfc Infinia points only for domestic travel. Why not use hdfc infinia points for international travel through smart buy. Why is axis atlas a better choice for points redemption for international travel ?
What are you talking sir. I earned more than 3 lakhs with diners club black. As of today infinia still you can earn 15k per month provided you travel. If you don't travel stay away from infinia and diners black. As you said bank is cranky in giving infinia. Many regalia users got LTF infinia from regalia which is a joke. Any ways will again try for infinia as now it is devalued.
Hey Niraj, have been following your content for quite sometime now and you put some good content out there.. Regarding some overrated cards, there is 1 card which might not appear at first glace overrated but upon closer look the fees doesn't justify thr card.. Referring to the AmEx Gold card.. Even though one gets 1k bonus MRs every month on the milestones, and the 5x points on reward multiplier, the fees of 4.5k + GST doesn't justify the price one pays for this card IMO
I have been using DCB metal card for 6 months now and haven't faced any acceptance issue. The only negative I would say is it does not provide reward points on renewal amount (Infinia does provide I believe). Anyway great video and thank you for speaking about the overrated cards!!!
That’s a big drawback of DCB metal that there are no renewal benefits. In that sense the Regalia Gold offers more value. But it again depends on spends and where it’s done.
@@priteshkhilnaniyou don't get points on renewal. But on spending 5 lakhs you get fee waiver. That's the biggest con of dcb or it's great card. Trying very hard to get infinia. It's cranky bank. They give to whom ever they feel like
Please suggest the best credit cards for me.I haven't used credit cards till now.Use scenarios are online shopping,movie tickets bookings,offline payments etc.Another main reason i want credit card is to increase cibil score.
Hi Neeraj..a couple of questions. Are the taj vouchers you receive for milestone spends valid for international bookings? (for eg Taj Samudra, Colombo). Can multiple vouchers be applied to a single reservation? Can vouchers from two different cards (Amex , Bizblack) be clubbed together?
I have a Diner's Club Previlige edition card and an Amex Gold charge card. Do you think I need to add few other cards in my portfolio or do I have to replace any of them? My average spends monthly on these cards together is around 70k
@@ferdinandroshana243 Most of my amex spends are from Gyftr platform and Gold charge card offers 5X rewards where as MRCC offers only 2X reward points. Moreover it gives me rewards on wide categories which includes fuel in Bharat petroleum too. So do I really have to downgrade to MRCC?
My favourite cards are: Axis Atlas (even after devaluation) Amex MRCC And I committed the egregious blunder of swapping my Amex Platinum Travel card for Platinum Reserve card. It's like maintaining a white elephant
Are Atlas Air Miles comparable to Infinia points? From what I understand, aside from Accor, it's challenging to get a 1 Rs per point conversion rate for Atlas. In contrast, Infinia points have a minimum value of 1 Rs per point. Also, I confirmed that 1 EDGE mile is equivalent to 1 Rs on Travel Edge, and we earn 2 EDGE miles for every 100 Rs spent. We can convert EDGE miles to air miles at a 1:2 ratio, so 2 EDGE miles become 4 air miles when transferred to partner. The challenge is achieving a value of 1 Rs per air mile which I mentioned earlier. Please correct me if I'm wrong.
My annual spending is 16 lakhs. With the recent reduction of the Gyftr upper cap to 10k per month and other devaluations, I'm considering other credit cards to allocate 5-6 lakhs of my spending to earn better rewards.Any suggestions
Thank you, much appreciate... whenever you make another video please consider Tata Neu Infinity card for users using gapy, cred for their UPI payments and not Tata UPI and then provide your comments. Thank you once again.
Plat Charge card @@@@ Hi Neeraj, i am unable to see that amex is giving 1.35 lacs amex pts offer on amex website… i have also checked with customer service and they refused for any such offers.. can you guide me how to apply for plat charge and get 1.35 lacs pts
@@dugarniraj okay, thought i have plat charge and gold.. i spend 4l on plat travel and 72k on gold.. maybe they will provide an upgrade option later part of the year… however i have received upgrade offer to get Reserve but that doesn’t attract me. Pls suggest if getting Reserve will be worth it with 10k reward pts sign off bonus
I think you dont know about SBI vistara prime, you will get flat 4 points for 200 spent and No restrictions unlike axis or hdfc or anyone. 4 points for 200rs spent and No exceptions and for every 1.5 lakhs spent we will get a premium economy tik
SBI Vistara prime considers insurance spends for RP and milestone, so I get 1 premium economy voucher But the downside is having to plan well in advance to use the reward seats, it gets booked on most of the days and vistara poor network in south India Bcuz of this headache, I’m closing this card :(
He clearly mentioned at the start that the opinions are for general people. What's the percentage of Indian population who will be eligible for Infinia?
