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Old 27th June 2022, 16:23   #5491
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Re: The Credit Card Thread

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Originally Posted by NPV View Post
Is it worth going for the HDFC Regalia card with these additional offers being thrown in ?
1. No joining fee plus lifetime free (annual fees waived for life)
2. Amazon vouchers worth Rs.2500
3. 5% unlimited cashback on spends

Is this too good to be true ?

*If I get this, I will close out the Citibank Rewards card that I have
1. LTF is done for most people.
2. Till recently they were giving Rs. 1500 Amazon voucher if you sign up without any agent help.
3. This is something new that I didn't come across. I am tortured to get this card for the last few months.

They have 4 points per Rs.100 spent but redemption is at Rs. 0.5 per point. Applicable for all spends but there are some caps applicable. I am not sure whether they moved to cashback now. If it is 5% unlimited direct cashback applicable to all spends, it will be really good. But it is too good to be true.
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Old 27th June 2022, 16:25   #5492
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Re: The Credit Card Thread

Quote:
Originally Posted by NPV View Post
Is it worth going for the HDFC Regalia card with these additional offers being thrown in ?
Check with your RM if you can get the Infinia.

Quote:
1. No joining fee plus lifetime free (annual fees waived for life)
2. Amazon vouchers worth Rs.2500
Check if there's a spend criteria (spend Rs. xx within yy days)

Quote:
3. 5% unlimited cashback on spends
This will be on specific spends, not every transaction on the card.

https://www.hdfcbank.com/personal/pa...-cards/regalia
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Old 27th June 2022, 22:22   #5493
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Re: The Credit Card Thread

Quote:
Originally Posted by NPV View Post

1. No joining fee plus lifetime free (annual fees waived for life)
2. Amazon vouchers worth Rs.2500
3. 5% unlimited cashback on spends

Is this too good to be true ?
1. This is offered to some basis relationship.
2 & 3. Ensure you get the offer in writing with the T&C's applicable.
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Old 27th June 2022, 23:53   #5494
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Re: The Credit Card Thread

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Originally Posted by Vandit View Post
for the pros here.. i have a sizeable life insurance premium coming up, but was surprised to see I could no longer find the option to buy Amazon gift vouchers through the Amex Rewards portal (which i could later use to pay the premium through Amazon Pay).

Any suggestions on how to maximize rewards between using the HDFC Regalia and the AMEX Platinum Travel to pay my premium?
Sadly, Amex Gyftr multiplier is not live since a long time now.
You can buy 5000 worth Amazon GV from SmartBuy using HDFC Regalia.
Rest, you will have to go for direct Amex Platinum Travel spend.

Do check if the premium amount is reflecting on Amazon as I heard that the insurance payment of below 25k is possible.
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Old 28th June 2022, 00:04   #5495
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Re: The Credit Card Thread

Quote:
Originally Posted by NPV View Post
3. 5% unlimited cashback on spends
I think the person informing you is misinformed.
There is no 5% unlimited cashback on Regalia.
Maybe he is referring to Payzapp, but it is not a Regalia feature and Payzapp has been declawed and made tame with puny cashbacks.
Also, the SmartBuy feature gives 5X points, and not cashback.
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Old 28th June 2022, 06:50   #5496
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Re: The Credit Card Thread

Quote:
Originally Posted by NPV View Post
Is it worth going for the HDFC Regalia card with these additional offers being thrown in ?
1. No joining fee plus lifetime free (annual fees waived for life)
2. Amazon vouchers worth Rs.2500
3. 5% unlimited cashback on spends

Is this too good to be true ?

*If I get this, I will close out the Citibank Rewards card that I have
1 is conditional for me - I need to reach some x0k purchases in a year (easily managed).
2. Varies. I remember getting some coupons 3 years ago, my wife recently got nothing
3. Nopes. Only card that I am aware of offering this is the Amazon ICICI card for purchases on amazon.

The key benefit I find useful in this card is lounge access at airports.
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Old 28th June 2022, 07:37   #5497
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Re: The Credit Card Thread

Quote:
Originally Posted by thanixravindran View Post
They have 4 points per Rs.100 spent but redemption is at Rs. 0.5 per point.
It's 4 points per Rs 150, isn't it?
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Old 28th June 2022, 08:52   #5498
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Re: The Credit Card Thread

Quote:
Originally Posted by turbospooler View Post
Do check if the premium amount is reflecting on Amazon as I heard that the insurance payment of below 25k is possible.
I don't think there is a capping on premium payment from Amazon pay balance. I had paid premium of 28.5k from Amazon pay balance in Apr this year.

The only limitation is that you can't use this route for renewing health insurance since the policy number changes every year and you can't pay premium using previous policy no

Last edited by Everlearner : 28th June 2022 at 08:54.
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Old 28th June 2022, 09:02   #5499
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Re: The Credit Card Thread

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Originally Posted by kavensri View Post
It's 4 points per Rs 150, isn't it?
You are right. It is for Rs. 150. And the redemption value also changes depending on smartbuy hotel or voucher or cash.

On the initial offers, it seems there is a activation offer available based on spend.

https://www.hdfcbank.com/personal/pa...ivation-offers
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Old 28th June 2022, 22:26   #5500
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Re: The Credit Card Thread

Saw this message on smartbuy portal today, "Amazon.in benefits of 5X Reward Points / 5% CashBack on SmartBuy end soon! Users can avail of existing benefits till 30th June '22."
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Old 29th June 2022, 23:26   #5501
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Re: The Credit Card Thread

Hello, was wondering if any anybody is trying out any of the new prepaid cards? Have shifted my petrol expenses towards Uni for better cashback
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Old 30th June 2022, 04:06   #5502
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Re: The Credit Card Thread

I can personally vouch for the fact that the Infinia Golf Program is simply superb. Ive been on this Infinia Metal for quite a while now. And I use it as my primary spend mechanism. I only keep one other card (SBI Octane) as a back up and that is used for fuel and nothing else.
Ive been playing golf almost every single week using the Infinia’s unlimited golf benefit.
All that is needed is reasonable planning, say 5-6 days ahead of the proposed round and this is not at all difficult if you are a part of a regular group of keen golfers.

Quote:
Originally Posted by Tapish View Post
So I ended up getting the Infinia.
Haven't used the concierge etc yet, will update on that and the Golf program sometime.
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Old 30th June 2022, 09:56   #5503
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Re: The Credit Card Thread

Quote:
Originally Posted by kavensri View Post
Saw this message on smartbuy portal today, "Amazon.in benefits of 5X Reward Points / 5% CashBack on SmartBuy end soon! Users can avail of existing benefits till 30th June '22."
It is not just SmartBuy.
Amazon is cutting its ties with Amex Reward Multiplier, Axis Grabdeals, etc. as it consolidates the Affiliate Relationship with banks.
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Old 1st July 2022, 10:44   #5504
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Re: The Credit Card Thread

Quote:
Originally Posted by turbospooler View Post
It is not just SmartBuy.
Amazon is cutting its ties with Amex Reward Multiplier, Axis Grabdeals, etc. as it consolidates the Affiliate Relationship with banks.
In december Smartbuy allowed 0.75rs points conversion to amazon pay balance.

I think that was the best deal they offered and people who redeemed during that time got a good deal.

Now with amazon cutting ties 5X rewards are severely limited for non frequent flight travellers.

Is there any other super rewards card I should consider now?
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Old 1st July 2022, 11:40   #5505
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Re: The Credit Card Thread

Quote:
Originally Posted by dhruvwali View Post
Now with amazon cutting ties 5X rewards are severely limited for non frequent flight travellers.

Is there any other super rewards card I should consider now?
You should try Standard Chartered's Ultimate credit card.
Same base reward rates as Infinia and Diners Club Black (3.3%).
The redemption options are Gift Vouchers / cards and thus, perfect for non-frequent flight travellers.

On a side note, you can redeem your existing HDFC points for hotel bookings too.
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