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Old 6th June 2022, 09:04   #5446
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Re: The Credit Card Thread

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Originally Posted by AZT View Post
SCB ultimate card offers reward points also on fuel transactions.
You sure about this ? Could not find a mention on their site.
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Old 6th June 2022, 09:18   #5447
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Re: The Credit Card Thread

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Originally Posted by sunilch View Post
Hello Tejas,

Building on the query related to Fuel Spends with CC - My fuel spends on CC have gone up recently with increased driving and I am now looking for a good card which will provide good benefits for the same. Not looking for free fuel in return but better points or cashback and preference for Air Miles, if the deal is good.

My spend on fuel is about 12-15K per month now as opposed to just 2k earlier.

Do we have a better card? Most of my outstation travels are via Trains so IRCTC benefits would be nice but Air Miles are desired too

I do have good eligibility but my other Credit Card spends are limited (never crossing 50K per month).
I see that your location is Mumbai. You could look at two options or even a combination of these two:

- Axis Vistara Signature or SBI Vistara Prime - 90%+ Similar - The Target annual spends would be around 4.5 Lac Spends in a Year on this card - Will get you 4 Premium Economy & 2 Economy Vistara Domestic Tickets


- HDFC Regalia - Good for Purchases via Smartbuy (Online & Offline) due to the 5X Reward Multiplier & has 3X on Train Tickets also. Translates to 6.6% for Purchases via Smartbuy & 4% for booking Train Tickets. Both percentages in terms of travel redemptions (Flights / Hotels)

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Originally Posted by ZMG View Post
Hi Tejas,
I have been thinking of getting new credit cards after looking at this thread and the benefits multiple Bhpians have claimed over the last few years.

I am a noob when it comes to credit cards.
I wanted to check with you:
1. Does it make sense to get a lifetime free Diners black credit card? Assuming I will be getting another card (mostly IDFC Wealth) which give better rewards, but have Diners only for Airport lounge? Also IDFC Wealth card is about 2 - 3 months away (new job - have to give pay slips)
2. Does holding multiple credit cards damage CIBIL score? I already have 2 active cards from ICICI and Kotak (another one from ICICI against an FD, but have never used it)?
Lifetime Free DCB is good if you can get one.

No, holding multiple CCs does not damage your CIBIL Score. Defaulting on payment damages it.

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Originally Posted by moloised View Post
You can redeem points for statement credit once you hit 18,000 or 24,000 using the AMEX app/website. I have redeemed ₹12,000/- every year (for 3 years) since I got the AMEX MRC Card.
The Statement Credit Option of 18K & 24K Gold Collection is now gone.

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Originally Posted by rkg View Post
One can redeem for Rs 7000/- Amazon voucher as well for 18000 points
Amex Points are best utilized for travel. Amazon Vouchers give a value of 0.39 Re per Amex MR Point. Via Travel Redemptions, I regularly get 0.6 to 0.8 Re per Amex MR Point. The latest one was close to 1 Re per MR point.

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Originally Posted by vinu_h View Post
You sure about this ? Could not find a mention on their site.
Yes. 110% Sure. No Exceptions in SCB Ultimate

Last edited by tejas08 : 6th June 2022 at 09:20. Reason: Additional Quote & Response added
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Old 6th June 2022, 11:41   #5448
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Re: The Credit Card Thread

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Originally Posted by tejas08 View Post
The Statement Credit Option of 18K & 24K Gold Collection is now gone.
Thank you for sharing this update. I had redeemed the 18K Gold collection points on 11th March 2022. But apparently they have stopped this from 31st March 2022. Lucky me but extremely disappointing from AMEX!
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Old 6th June 2022, 21:27   #5449
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Re: The Credit Card Thread

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Originally Posted by vinu_h View Post
You sure about this ? Could not find a mention on their site.
Quote:
Originally Posted by AZT View Post
SCB ultimate card offers reward points also on fuel transactions.
I second that. SCB Ultimate does provide redemption points for fuel purchases, though its not entirely 3.3% as you get approx. 1% charged for Fuel transaction, like any other CC.
IMHO, I find this card best in terms of value for it provides 1point=1Rs value in a host of vouchers. Plus you get 5K points against 5K fees, so technically all you pay is GST of 900.

Quote:
Originally Posted by tejas08 View Post
I
- Axis Vistara Signature or SBI Vistara Prime - 90%+ Similar

I've taken the Infinia Metal last November, and have been trying to get it into habit. It did give decent reward point with Smartbuy multiplier, but I have few concerns, if you or someone can help out:

1. The cancellation of flight on Smartbuy are not refunded yet, been more than two months. Spicejet, Easemytrip, both say they refunded from their end, and it's smartbuy who needs to return. No concierge or Customer care number pciks up.

2. Smartbuy portal is not the most user friendly like MMT for flight and hotel booking, and is pricier for same flights or hotels if checked from other portals.

3. I'm not sure how to redeem points directly for flight/hotel redemption apart from few gyftr voucher I bought for Flipkart, Croma, BMS etc. Any other more lucrative method to utilise points, please do enlighten.

4. No use of Club Marriott membership along with the card. It's no help while booking hotels or getting upgrades, as Bonvoy doesn't recognize Club Marriott. Any experience with this?

Any other way Infinia users usually maximise their spends and rewards in a better manner, please do share.


I use SCB Ultimate mastercard, which I like most for the return value.
Vistara Infinite which I use to spend 7.5L (most viable as next cap for free ticket is 12L), which gives me 3 business class tickets and two upgrade vouchers, plus approx 20K Club Vistara points which can book about 4-5 economy tickets every year depending on leg.
Third one is Infinia Metal, where I need to spend 10L to get it free for next year. But I'm still exploring if it's better value than SCB, as I feel bounded to use Smartbuy to get the best value.


I wont get a fourth, so any option to replace one of these with any AMEX card. I'm always curious and want to try it for once.

Last edited by Turbanator : 7th June 2022 at 03:33. Reason: Quoted posts trimmed.
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Old 6th June 2022, 21:52   #5450
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Re: The Credit Card Thread

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Originally Posted by aastiksaluja View Post
I wont get a fourth, so any option to replace one of these with any AMEX card. I'm always curious and want to try it for once.
I understand Amex still has the RBI ban on issuing new cards so thats not an option yet.
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Old 6th June 2022, 22:18   #5451
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Re: The Credit Card Thread

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Originally Posted by top_gear View Post
Well, how to tackle this as credit card company says their system is correct and this is how it should work(?)
This is normal, you are supposed to clear your statement dues. Had the reversal came before the statement generation, the statement balance would have been zero.

There are some banks which tries to manipulate (or maybe system not updated) to show zero outstanding however their terms and conditions are clearly laid out to clear statement dues (or at least minimum due i.e. trap amount).

Whenever in such case, always make the payment first and then contact the card issuer asking for excess amount to be refunded to your bank account, they comply as the amount is over and above your credit limit.
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Old 7th June 2022, 02:50   #5452
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Re: The Credit Card Thread

So glad I found this thread but so hard to find for what I need due to the ~400 pages of posts

I have never had a credit card before but I am planning to get one for my planned upcoming travel abroad. I found that HDFC Infinia has some of the best features for me personally (lounge access, 4 points per 150 spent, 1rp=1point, apple discounts, no late payment charges, 1 plus 1 on ITC hotels, 2% markup on forex)

But the 12500 + 18% GST? Is that worth it?

If anyone is kind enough to shed some light on this, while I use the search the thread to figure this out.
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Old 7th June 2022, 03:07   #5453
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Re: The Credit Card Thread

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Originally Posted by aastiksaluja View Post
I second that. SCB Ultimate does provide redemption points for fuel purchases, though its not entirely 3.3% as you get approx. 1% charged for Fuel transaction, like any other CC.
Hi, I've been using the Infinia for over 5 years now and these will help you!,

1. In the same boat, have cancellations worth 1L pending to come through. There is a separate concierge platform for Infinia and Diners Black exclusively for smartbuy.( CC concierge and Smartbuy concierge are different.)
Smartbuy concierge is open 24/7 and I just had a word with them today regarding my cancellation. The number to reach them is. : 1800 118 887
The website you can go is : https://offers.smartbuy.hdfcbank.com/infinia

2. Go to smartbuy portal, then go to Privileges. In that, you have a separate Infinia portal. This can be used to redeem reward points at the rate of 1re/pt. But you can only pay 70% of the bill using reward points. Still, this is a very amazing feature.

I've handled the Infinia for over 4 years till date and booked flights and hotels worth well over 25 Lakhs, though MMT and all show a cheaper rate at first, when you go to checkout, the taxes and markup almost are similar to what the smartly platform is offering. Recently, I booked a Flight + Hotel through smartbuy to Singapore and the other websites were a bit expensive considering the exchange rates they charge.(But smartbuy has 80% selection of hotels/Flights compared to other websites.) I usually use momondo.in to check the average rates and then go to smartbuy to see if they are good.

Amazon spends gives back around 16.6% in reward points and Flipkart gets around 10% back. To maximise spends, anything over 1000 Rs bought online is gone through the smartbuy platform and then routed to amazon.( I bought a MacBook Air M1 for effectively 54K after point rebate and discounts last December.(I got 10X rewards in this offer.))

3.The maximum value so far is Flight booking/ Hotel booking at 1re/pt. The others average out at 0.30re/pt to 0.50re/pt.

4. I've never received the club Marriott membership as I've been using the card for almost 5-6 years from now. AFAIK new cards get them but its pretty much useless.

5. If you are an individual who dines out frequently, Dineout offers free Gourmet passport membership on Infinia cards. Gourmet passport usually gives 15-25% discount on the entire bill in select restaurants and HDFC offers 15% on top of that until 1000 rs. Massive savings IMO. Have saved well over 75,000 Rs doing this.

6. Get add on's for all your family members. If you have a family of 4, who have PAN Cards, Everyone can get an infinia at no cost and added benefit is every add on member gets Infinite Priority Pass on their name.(Boon if you travel frequently.)

Please feel free to ask anything if at all. Happy to help a fellow BHPian. I basically have a PhD in maximising infinia rewards by now .

The Credit Card Thread-img_2089.png


Quote:
Originally Posted by akshaysehgal View Post
So glad I found this thread but so hard to find for what I need due to the ~400 pages of posts
the 12500 Is worth the cost. If you even fly 10 times a year and book through the smartbuy platform you'll recoup the cost instantly.

Small calculation:
10 Flights at average of 15,000 for a return ticket. 15,000*10 = 1,50,000
5 Reward points for 150 rs Translates to 3.33 reward points for every 100 rs.
at 10x rate of reward points, it is 33.3% back.
This means, in 1,50,00 Rs that you spend, you get back 33.3% ~ 50,000 back.

International lounges are expensive and a visit would cost around 30-50$ based on the lounge. Priority pass is exceptional and has unlimited visits.

But the smartbuy platform has a few cons as well. It is difficult to navigate after the latest update. The hotel booking site shows exorbitant prices at first, but when you go to book it the price is somewhat palatable. (For example, if you try and book a hotel for 4 days, at first it shows 12,000 Rs for a night but when you go ahead it comes to 24,000 or an average like that. I guess this is due to massive difference in one night compared to another. And if you book 2 rooms, Both the rooms cost are added when you see in the first page.)

And if you spend around 10L annually, the fee is waived off.

Last edited by Turbanator : 7th June 2022 at 03:32. Reason: Back to back posts merged. Please use multiquote or edit function.
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Old 7th June 2022, 09:45   #5454
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Re: The Credit Card Thread

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Originally Posted by dheer4 View Post
I bought a MacBook Air M1 for effectively 54K after point rebate and discounts last December.(I got 10X rewards in this offer.
Can you please elaborate how one can use points to purchase Apple products? I went through the SmartBuy route to the Imagine page, but was unable to locate the points redemption option.
Thanks.

Last edited by Jedi.Knight : 7th June 2022 at 09:48.
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Old 7th June 2022, 11:38   #5455
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Re: The Credit Card Thread

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Originally Posted by aastiksaluja View Post
Vistara Infinite which I use to spend 7.5L (most viable as next cap for free ticket is 12L), which gives me 3 business class tickets and two upgrade vouchers, plus approx 20K Club Vistara points which can book about 4-5 economy tickets every year depending on leg.

I wont get a fourth, so any option to replace one of these with any AMEX card. I'm always curious and want to try it for once.
On that Vistara Infinite, I feel Vistara Signature or SBI Vistara Prime gives better value as Business Class on Domestic flight rarely ever give u the real business class experience. Instead accumulate Airmiles via other cards and fly Business Class on Medium or Long Haul Flights. Check the link further below of the post I had made.

Amex card are probably one of the most versatile cards in terms of Reward Redemption Options. At the same time, Amex cards are best used in combination of two or three Amex Cards to combine reward points earned. Sadly Amex is under RBI Ban.

Quote:
Originally Posted by aastiksaluja View Post
I've taken the Infinia Metal last November, and have been trying to get it into habit. It did give decent reward point with Smartbuy multiplier, but I have few concerns, if you or someone can help out:

Any other way Infinia users usually maximise their spends and rewards in a better manner, please do share.
dheer4 has already answered most of the queries in his post. Some more points from me added below.

Quote:
Originally Posted by dheer4 View Post
3.The maximum value so far is Flight booking/ Hotel booking at 1re/pt. The others average out at 0.30re/pt to 0.50re/pt.
On that maximum value, let me drop a couple of bombs

First - You can get more than 1 Re per Point Value on Infinia via the Airmiles Route but thats if you are a person who looks forward to luxury experiences. Here's the post regarding Singapore Airlines Business Class Travel using Infinia Points. A value of close to 2 Re per Infinia Point on this booking.

https://www.team-bhp.com/forum/shift...ml#post5327283 (The Credit Card Thread)

Second - All kinds of gift vouchers @ 1:1. But its borderline unethical hack as its against the system/ redemption options set by HDFC for Infinia users.

P.S - As much as I want to, I cannot share that hack. Its a ticking time-bomb with a potential to cause a massive devaluation of Infinia.

Quote:
Originally Posted by dheer4 View Post
Small calculation:
10 Flights at average of 15,000 for a return ticket. 15,000*10 = 1,50,000
5 Reward points for 150 rs Translates to 3.33 reward points for every 100 rs.
at 10x rate of reward points, it is 33.3% back.
This means, in 1,50,00 Rs that you spend, you get back 33.3% ~ 50,000 back.
Flights are not longer 10X. Its been 5X for a while.

Quote:
Originally Posted by Jedi.Knight View Post
Can you please elaborate how one can use points to purchase Apple products? I went through the SmartBuy route to the Imagine page, but was unable to locate the points redemption option.
Thanks.
You have to go to Smartbuy page and then under Privileges -> Infinia -> Rewards -> Apple Vouchers

These vouchers u can redeem at 1:1 ratio.

Last edited by tejas08 : 7th June 2022 at 11:41.
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Old 7th June 2022, 14:49   #5456
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Re: The Credit Card Thread

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Originally Posted by tejas08 View Post
You have to go to Smartbuy page and then under Privileges -> Infinia -> Rewards -> Apple Vouchers
Are these applicable for Diners Club International as well?
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Old 7th June 2022, 17:13   #5457
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Re: The Credit Card Thread

I used to have two credit cards in the past, say about 4-5 years back. I was a co-applicant in a loan which my family business had and defaulted, ultimately settled in a court settlement. Although I was not involved in running-repaying or settlement of the loan, this dragged down my credit score terribly.
But, it did not bother me much since I had stopped using a credit card at all about 5 year back and had given up both my HDFC & SCB cards. 3 years ago I had availed a Home Loan from SBI and it was approved in 2 hours flat (probably on basis of my salary) but credit score also should have played a role.

I had been doing international travel pre-pandemic for work, and I used to get a prepaid forex card from my employer for most of my expenses. Now international travel has ceased for more than 2 years, and we are looking to resume travelling out of India starting this June. I have somewhat of a bad luck when it comes to transit airports and situations have made me wait long hours at these hubs in the past. I now started exploring credit cards which my colleagues often flash to enter into premium international lounges. I hold a coral debit card from ICICI which I use often in domestic airport lounges, but this wont work for access to International lounges.

For this reason, I was exploring and even applied an HDFC Regalia card which was instantly declined citing CIBIL score issues . After this, someone advised me to check out smaller newer banks, I tried IDFC for one of their premium cards which had international lounge access, but almost instantly got rejected from them too. I checked my CIBIL score which showed a score of 690 despite my disciplined pre-closure of my car loan about 9 months back and disciplined EMI payment towards my Home Loan. Dejected, I felt sad and stopped looking for a credit card.

I got a call from my bank (where I save money) ICICI, and the agent told me I had been rejected a credit card from HDFC, do I want to apply with ICICI? I said I do not want, since I was more than sure of rejection. Now, this lady proposed me to get a card against an FD. She said you can make an FD of even 10k and you will get a card with limit of 100k. I did not believe in her, but at the same time, wanted to see. So I decided to make an FD right then for 30k and I got a credit card (ICICI Coral) immediately with a meagure limit of 27k. I called up the lady to complain about this limit where she had promised me a minimum limit of 100k.
Anyways, I am using this card for as tiny bit possible since such a low limit is actually of no use to me. And it has been very long I have completely shifted away from credit cards. Now, is there any way other than the FD route to get a decent international lounge access credit card? I guess even if I use and repay this card bills in time, it wont get upgraded to a card which comes with international lounge access. Any idea from experienced CC users here, what can be done? Or is it advisable to buy a priority pass instead of the credit card business all together?
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Old 7th June 2022, 19:19   #5458
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Re: The Credit Card Thread

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Originally Posted by arpanjha View Post
I used to have two credit cards in the past, say about 4-5 years back. I was a co-applicant in a loan which my family business had and defaulted, ultimately settled in a court settlement. Although I was not involved in running-repaying or settlement of the loan, this dragged down my credit score terribly.
But, it did not bother me much since I had stopped using a credit card at all about 5 year back and had given up both my HDFC & SCB cards. 3 years ago I had availed a Home Loan from SBI and it was approved in 2 hours flat (probably on basis of my salary) but credit score also should have played a role.

I had been doing international travel pre-pandemic for work, and I used to get a prepaid forex card from my employer for most of my expenses. Now international travel has ceased for more than 2 years, and we are looking to resume travelling out of India starting this June. I have somewhat of a bad luck when it comes to transit airports and situations have made me wait long hours at these hubs in the past. I now started exploring credit cards which my colleagues often flash to enter into premium international lounges. I hold a coral debit card from ICICI which I use often in domestic airport lounges, but this wont work for access to International lounges.

For this reason, I was exploring and even applied an HDFC Regalia card which was instantly declined citing CIBIL score issues . After this, someone advised me to check out smaller newer banks, I tried IDFC for one of their premium cards which had international lounge access, but almost instantly got rejected from them too. I checked my CIBIL score which showed a score of 690 despite my disciplined pre-closure of my car loan about 9 months back and disciplined EMI payment towards my Home Loan. Dejected, I felt sad and stopped looking for a credit card.

I got a call from my bank (where I save money) ICICI, and the agent told me I had been rejected a credit card from HDFC, do I want to apply with ICICI? I said I do not want, since I was more than sure of rejection. Now, this lady proposed me to get a card against an FD. She said you can make an FD of even 10k and you will get a card with limit of 100k. I did not believe in her, but at the same time, wanted to see. So I decided to make an FD right then for 30k and I got a credit card (ICICI Coral) immediately with a meagure limit of 27k. I called up the lady to complain about this limit where she had promised me a minimum limit of 100k.
Anyways, I am using this card for as tiny bit possible since such a low limit is actually of no use to me. And it has been very long I have completely shifted away from credit cards. Now, is there any way other than the FD route to get a decent international lounge access credit card? I guess even if I use and repay this card bills in time, it wont get upgraded to a card which comes with international lounge access. Any idea from experienced CC users here, what can be done? Or is it advisable to buy a priority pass instead of the credit card business all together?
Never trust telecallers who push credit cards. They are very unprofessional in behaviour and their only goal is to reach their monthly targets. They commit to things that are not under their control. The only thing that they do is submit an application on your behalf and the banks backend team takes care of the rest. Any FD based card you will get limit around 80% of the total FD amount. Some provide 110% (One Card).

Regarding International Lounge Coral Credit card has a direct upgrade to MMT Signature Card which has International Lounge access with Dreamfolks membership. You can try for that. You will get another card that shares limit with your coral credit card. Just call customer care and enquire if you can get an upgrade to it. Its a LTF card with joining fee. But you get vouchers and MMT cash worth your joining fee.
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Old 7th June 2022, 19:28   #5459
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Re: The Credit Card Thread

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Originally Posted by tejas08 View Post
On that maximum value, let me drop a couple of bombs

First - You can get more than 1 Re per Point Value on Infinia via the Airmiles Route but thats if you are a person who looks forward to luxury experiences. Here's the post regarding Singapore Airlines Business Class Travel using Infinia Points. A value of close to 2 Re per Infinia Point on this booking.

https://www.team-bhp.com/forum/shift...ml#post5327283 (The Credit Card Thread)
Hi, is there any way to use the Infinia points for Qatar Airlines bookings?

By the way, I dont see any Apple Vouchers as well. I see Apple products, but the Iphone 13 is more than double the number of points Vs. cash.

Last edited by mav2000 : 7th June 2022 at 19:33.
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Old 7th June 2022, 23:09   #5460
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Re: The Credit Card Thread

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Originally Posted by mav2000 View Post
Hi, is there any way to use the Infinia points for Qatar Airlines bookings?

By the way, I dont see any Apple Vouchers as well. I see Apple products, but the Iphone 13 is more than double the number of points Vs. cash.
Hey mav, you can use the points for any flight booking around the world. I don't know if you'd be able to earn any airmiles through this.

I usually don't buy any apple products through the Smartbuy platform as the rates are high.
If you wait around for sales like the Big billion or Amazon's Great Indian Sales, They run a 10x reward point promo on the HDFC infinia at least twice in a year.
The max limit being 33,000 last time I checked and the transaction has to be above 50k INR. You'll be able to buy products at a very good rate if you factor in the points you'd get.

I've never bought Vouchers using the Infinia so I can't comment on the Apple Vouchers.

Go to Infinia site, and select the destination. Whenever you're in the checkout page, you have a slider which would allow you to select how many points you'd like to redeem for that transaction.
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