TheSimpleRupee
1.1K posts
@TheSimpleRupee
Travel Smart, Earn Rewards, Save with The Simple Rupee
Putting the full email screenshot here for clarity.
Guys, this is for In-finia users who received email like this 👇 👉 In this, a target to spend ₹3 Lacs or ₹5 Lacs has been given for March–April 2026 in order to continue with the In-finia Credit Card. 👉 In absence of meeting this spend criteria, the card will be downgraded. Most probably, people will get H-DFC Diner-s Club Bl-ack Me-tal Credit Card (which is btw not a bad credit card ✅). 👉 In case of downgrade, existing reward points are transferred to the new credit card. If downgrade happens from In-finia to Di-ners Black Me-tal, there will be no change in number of reward points and their value, as In-finia and Di-ners Black points carry same value in HD-FC ecosystem 💎 👉 Only limitation will be: In-finia points can be redeemed against Tanishq gift cards 💍 and Apple products 🍎 apart from Flights ✈️, Hotels 🏨 and Airmiles 🌍. Di-ners Black points can only be redeemed against Flights, Hotels and Airmiles. Still, not a significant issue for most. 👉 Before downgrade, you will get a notification and sufficient time to redeem points in case you want to redeem them against Tanishq gift cards or Apple products (standard monthly redemption limits – 50K points on Tanishq and 1 Apple product in a month will be applicable). 👉 In case the card is downgraded to HD-FC Re-galia Go-ld Credit Card, points will be transferred to the new card at 2:1 ratio. Although, downgrade from In-finia to Re-galia Go-ld is unlikely in my view. Even if it’s downgraded to Re-galia Go-ld, you can still transfer Re-galia Go-ld card points to Accor to get same ultimate rupee value of the points which you are getting in Infinia (if used properly). 👉 The downgraded new credit card will be first year free 🆓 👉 In case you are planning to meet March–April spend criteria, you must know that all kinds of spends are considered for ₹3 or ₹5 lacs spend target. Nothing is excluded. 👉 Even for ₹18 Lacs annual spend target, no spend is excluded. 👉 It will work like the ₹10 lacs annual spend target for renewal fee waiver. In fee waiver spend criteria also, no spend is excluded. All those exclusions are only for reward points earning, not for spend tracking. 👉If your card is downgraded, it will be extremely difficult to qualify for In-finia credit card in future in my view as the new criteria is very steep and the bank is going to he very selective in issuing In-finia card again or to the new customers. 👉Post downgrading the low spenders and low TRV customers, Hd-FC may increase the benefits of HD-FC card (possible but currently its pure speculation). All of the above is based on my discussion with HD-FC Customer Care (some part), and my own experience and understanding. Take your own call. 🤝 Feel free to comment and share any counter point. 📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 spendwisely.in Some links may be referral links in the above post. It supports the page without any cost to you. #creditcard #spendwisely #creditcards
❌ [Unofficial] Amex Platinum Travel devaluation! It seems that the most popular and rewarding card in Amex stable will devalue shortly. New milestones: 1.9L -> 7500 Points 4L -> 10,000 Points 7L -> 22,500 Points + Rs 10k Taj Voucher Basically the reward points have remained the same but the spends for the rewards have gone up significantly. 👎 From a 8% reward rate to 4.3% reward! 🙅 Note that these aren’t officially communicated yet.
Bro! This is not a "hack"; this is fraud. This is a crime in most of those countries. 🤦♂️
🚨 Purchasing iPhone with discount (value back of 36%)! My iPhone 13 Pro Max is dead and bought 17 Pro Max. 🥳 I could have bought it cheaper outside India but I didn’t want to wait. Not saying this is the cheapest way, but this is what I did: ➡️ How did I purchase the iPhone? ▪️ Rs 3k instant discount - Axis Bank (swipe amount Rs 90k, charged for Rs 87k) ▪️ Rs 3k Croma discount (2%) ▪️ Remaining with Croma vouchers bought from Amazon Pay Balance with 2% discount ▪️▪️ The above Amazon Pay bought from Intermiles with 5% discount 😄 ▪️Neu coins back: Rs 484 (plus previous balance burned) ✨ The Intermiles and direct swiped on Magnus for Burgundy card. This is an AEP month so ~31% back as Accor/14% back as air miles! 👍 All in all (assuming Accor) the total value back and discounts is 36% 🔥
