LTF is out of the question, HDFC doesn't even give Infinia cards to Imperia banking customers who are ready to pay for the joining fee. It all depends on the RM and most of them don't want to take approvals for Infinia. It's a pathetic state of condition for HDFC Bank. My RM was giving me an Infinia card back in September 2022, a paid variant and not LTF. I chose not to pay 12500/- for Infinia back then as I was not living in a big city to be able to utilise the benefits associated with Infinia. Later in 2023, when I asked them for Infinia, the new RM and their team refused an Infinia to me, even when I was ready to pay the joining fees. They are now looking for 3.5 lacs+ take home salary credit after deduction of taxes and PF, etc to approve the Infinia card, which limits it to very few business class people in a developing country like India. Even their own HDFC branch managers, regional managers, business heads don't earn that much take home salary. HDFC simply doesn't want to give Infinia card to the ethical salaried class people. We have overhyped this card.

@sujith3914

5 ай бұрын

You didn't take when you got it and now you are not being offered so it is overhyped? 🤣🤣🤣 I am sure you would have had completely opposite opinion and would sing praises had your new RM approved Infinia for you. BTW, the hype is always according to exclusivity, if they give it away easily then there won't be enough hype. So your comment of "overhype" is senseless.

@erdevanshu

5 ай бұрын

@@sujith3914 Back then in 2022, I didn't know that this card is overhyped or brings any exclusivity as such. When my RM approached me and told me about the benefits associated with the card, I was initially in a mood to take it but I was living in a small town where I can't use most of the perks of this card so I refused. Later, when I was in Bangalore in 2023, I asked for it and agreed to pay the cost, but that's when HDFC started their drama to project it like an exclusive or in other words overhyped card. They are now offering me the Diner's Club Black which I don't want. If you're not into black money , money laundering, or earning by illegal means and also not a businessman or politician, the new criteria they have set of 3.5 lacs+ salary credit after deducting taxes per month is simply a stupid effort to make this card look exclusive. No wonder why HDFC Bank is a sinking ship now even in the stock market. This stupid Infinia card is not an Amex Platinum charge card or an Amex Centurion but HDFC is trying hard and failing. Even the HDFC bank's vice presidents, bank managers, and the regional heads don't earn that kind of a salary after deducting taxes but they expect the customer to earn that much after taxes to get this Infinia card. It's like if they want to give the card, they will approach us and offer but if we want to get it, they have numerous reasons for not offering the card. This one way strategy is simply an idiotic effort.

You should have also added HDFC Diner's Club Black in the comparison. Easier to get compared to Infinia, and same reward rate.

@sumitchaudhary343

10 ай бұрын

U can hardly use diners anywhere coz diners acceptability is shit

@surajhk31

9 ай бұрын

No reward points on fee payment..thats a huge difference

Was waiting for this video for a while, thanks!

I am a railway employee and I get free tickets. I am looking for beginner to mid range card in which reward points can be used for booking hotels. Please suggest some card from which I can earn best return via hotel booking.

You are wrong litterally its not correct, everyone knows even in hdfc website clearly mentioned if we spend Rs 3 lakh in 90 days with infinia no joining fee. But its not with magnus which makes this card kinda ltf

Mam thx for this video plz compair Axis Magnus and Axis Vistara Infenia too.

Just got my Infinia approved from HDFC Magnus is under process!

@koushiknc92

11 ай бұрын

How did you get Infinia?

@cb7762

11 ай бұрын

@@koushiknc92 I am HDFC Imperia account holder + Regalia card limit is above 10 lacs + FD’s in HDFC + 857 CBIL

@credit_cards_expert

11 ай бұрын

@cb7762 How you got it? I have preferred banking relationship I have amex platinum charge card which has annual fees of 72k Still they are not approving mine Trying since past 6 months

@cb7762

11 ай бұрын

@@credit_cards_expert you have HDFC credit card?

Thanks for a detailed analysis. HDFC infinia vs Axis reserve..can we have a video on that plz?

Mam - Best Credit Card to pay rent in India in 2023 which have a good point value and can be used for travel,etc

6:00 I just found out that 35RPs per 200 over and above 1.5L is applicable only till the 3L mark. After that only 12 for every 200...

@diptajit

10 ай бұрын

Nothing like that

@sachinhj9910

10 ай бұрын

@@diptajit The burgundy support told me this

@diptajit

9 ай бұрын

​@@sachinhj9910That is wrong information. Burgundy support is the worst source for any terms and conditions.

Nice comparison, much expected video from u. Not sure, Running after infinia is a good option, may be they also planning next devaluation in near future

Mene card liya tha aur use bhi Kiya tha but achanak job chalegai ...aur mene 40000use kiye the but ni bhar paya aur fir bayaz laga k credit card walo ne 120000 kr diye ...aap sab se request hai ki Mt lo card me bahot bahot bahot paresan hu 😢

@ZEA_TATA

11 ай бұрын

Sad to hear that. But credit cards should be used wisely considering all the risks. Banks will send recovery agents to your home and they will try to defame you, socially. Disable your social media account, or else they will get the details of your friend circle and will try to defame you somehow and harass you every now and then unless you pay them back.

@niteshshukla2010

11 ай бұрын

also talk with them for settlement to the main amount 40000 rupees. If you will properly talk with them for final settlement at 40k they will eventually agree.

Getting Infinia card is tough even with high salary !

The only benefit that Magnus provides is international lounge access with additional guests. This is really a deal breaker for people travelling abroad with family.

Which is the best card for monthly 1 lakh spending after Axis Magnus devaluation?

@credit_cards_expert

11 ай бұрын

@krishna627 Go for Amex cards, you can book luxury hotels and flights using points Use my referral link to get additional reward points

@shubhankarsse

10 ай бұрын

Infinia

Can you compare axis Burgandy Magnus credit card to HDFC infinia metal card? If you can I am highly obliged

Hi can you please do HDFC Diners Black Metal versus Axis Magnus Card comparison

Update mid range card 15 to 20k expenditure per month, travel, hotel stay, dinner, insurance, online purchase, domestic 2 visit in three months........ Also suggest good Rupay card above expenditure.

Infinia metal mil ra hai one year free k sath ek saal use kr k downgrade kr skte hai ??

Thankyou, legit was visiting your channel everyday looking for this particular video! I already have a magnus rn, probably gonna hold it until the next renewal is due, until then, any help from anyone who can help getting me HDFC INIFINIA would be appreciated lol 😂❤

Nicely explained.. magnus is killed.. and infinia is very dificult to get

@gk00301094

10 ай бұрын

I bought car worth 18 lakh from magnus. And converted into burgundy. Now I get around 3 lakh reward points. And incase of burgundy I can redeem them in 5:4 ratio. If I convert into accor then I get pay bill of 410000 in accor hotel

@venkatnihar9376

9 ай бұрын

@@gk00301094🎉

Please stop with all the loud music, jazz and bass in the background. We want to focus on what is being said. Good content but please reduce the Baas from background music.

As owning a burgandy account, the reward miles comes out to be 5:4, instead of 5:2 for normal case, so should i hold magnus or move to infinia? As i am more inclined to convert points to miles

@suhagmaru

11 ай бұрын

Ditch axis . They are not reliable anymore.

@saarthakparihar2942

11 ай бұрын

I'm in your shoes, calculated returns from infinia vs Burgundy+Magnus... infinia is offering comparitively less returns. I'm holding on to the Magnus just because I have Burgundy. In a straight up competition infinia is better than magnus (without Burgundy)

@navneetkrc

11 ай бұрын

Which partner do you prefer for travel related redemptions? I have converted most of my points to Accor.

@CardAcademy

11 ай бұрын

For normal spends, Burgundy + Magnus will offer better returns. For instant vouchers like Amazon, return on Infinia will be better than Magnus + Burgundy.

@saarthakparihar2942

11 ай бұрын

@@navneetkrc I transferred my points to Accor as well.

Should I close my Axis Magnus Card now?

Can you please confirm if we can use priority pass for domestic lounges as well? Not chargeable?

@DarkHorse2305

11 ай бұрын

The only credit card whose priority pass can be used in domestic lounges is Infinia. You can get 4 add on cards as well for your family and even the add on card comes with priority pass. This benefit itself is worth a lot according to me.

@qwqw100

11 ай бұрын

@@DarkHorse2305 thanks for the info

Very nice, precise and pin point information. Thanks

Excellent comparison

When will launch Hdfc infinia reserve card ?

Thank god..mujhe laga tha srimati bohot fast bolti ha..but nah😊...she talks normal..

thank you for sharing such a informative video

Nice Add Time Stamps

Please make a video on how to get Infinia?

I know i cant afford both of these cards , still i dont know why i cant stop watching this video

@cb7762

11 ай бұрын

We often watch on silent mode.

Hi, pls tell which one offers less interest rate comparatively Personal loan Or Loan on credit card?

Madam Fuel Surcharge Btaya hi nhi

Nice content. Thanks

just want to add a funny note ppl who have spends of 3L per month or more hardly think they will ever care about some returns on their credit cards lmao , all these return wala stuff is more important to middle class folks

@sarangsays2707

9 ай бұрын

Bakwaas hai ye. Sabhiko return se matlab hota h

Meet & Greet service is there in Infina as well

@skbly7

8 ай бұрын

No

2:43 Club Marriott membership is same as Marriott Bonvoy?

Very informative

Love the 1+1 buffet benefits on my Infinia. Its very rewarding.

@akashkumardash6918

11 ай бұрын

Is it only in ITC?

@roshanthomas9046

11 ай бұрын

As per my knowledge, yes. Haven’t got the chance to try anywhere else.

Axis Miles and more credit card per video bnaye

Really nice video ❤️

I have a limit of 3L on Axis Myzone can I upgrade to Magnus?

@ayushsinghrajput9211

11 ай бұрын

Honestly, don’t go for the Magnus. They’re giving peanuts in terms of miles. Before 1st Sept, it was really good. If you still want to proceed, you can apply w Axis and check with them if you have an existing limit of 3L. Because my Magnus has a limit of 3L too.

@snpssps

11 ай бұрын

@@ayushsinghrajput9211 ohh okay! Thanks a lot for your suggestion.. I'll stick with MyZone then

@MayurMisra

11 ай бұрын

Check Atlas

Ma'am abhi tak IDFC credit card ka 250 ka amazon voucher nahi mila.... kab denge? physical card deliver hua 3 din hogye

Missed Eazy Dinner discount on Magnus.

You mentioned max 5000 edge reward points per month through grab deals portal. Is that right?

@CardAcademy

11 ай бұрын

Yes

@TheVNature

10 ай бұрын

@@CardAcademy Axis Miles and more credit card per video bnaye

Can't Infinia reward pts be converted to ITC points?

@ek_virus

11 ай бұрын

No

These cards are super premium card and not meant for the common man. I've never used any of these paid card. I usually opt for LTF (Life Time Free) cards. Never increase your liabilities. This is a biggest debt trap.

@CardAcademy

9 ай бұрын

Lifetime free cards can get you equally in debt as much as the paid cards. What’s the difference?

@testaws2612

9 ай бұрын

@@CardAcademy No they don't. Most of these premium cards have an annual fees of atleast 10k to 12k + taxes. Also you're compelled to spend 10L - 25L just to get it waived off. No such conditions on a LTF (Life Time Free) cards. One doesn't need to worry about charges or being compelled to spend and get themselves into debt. 10L or 25L for that matter is a huge spend for a common man.

FD per banta hai

You are as beautiful as your explanation

Koi matlab nhi cradit card se bs in se hai jo host hai 😅

@ek_virus

11 ай бұрын

Haa log isi liye video dekhte he baki to inka description confusing he. 😅

@its.partha..

11 ай бұрын

​@@ek_virustrue

@shajahannshorts

11 ай бұрын

Sahi kaha😂

Too much cuts to make 1 video

Spend base/Non spend base is too much confusing. Simple description is enough.

my cutepie❤❤❤

They say Axis Atlas is better than Magnus now

@anubhabribhu

11 ай бұрын

I’m hoping to shift to atlas sir..

@suhagmaru

11 ай бұрын

Dont fall in axis trap.. they are worst

@tsjoshi

11 ай бұрын

@@suhagmaru Atleast they give some time to redeem with the old ration which is good thing. Just see what they did to Magnus, Axis didn't post the points for Aug only else, they posted for every month such that customers can redeem with 5:4. Same thing for Atlas, as long as they provide the benefits, once they stop it, you can move to other cards if you want. Where is the trap here? They are also doing some business.

@suhagmaru

11 ай бұрын

Everything is trap. Credit card points are there to keep you busy in accumulation. Regards axis bank i never trusted this bank . Since imagine plight of customer whobgot magnus 1 or 2 minth ago( m 1 of them). Its sheer waste of money for me . Also i m hearing they are cancelling meet and greet services also. Are they here to joke?

@CardAcademy

11 ай бұрын

Axis Atlas is better than Magnus for normal spends. On travel edge, and gift edge spends, Magnus is still better than Atlas.

😊😊

I love you ❤

I'm very disappointed with HDFC, they were quoting a salary of 6 lakhs per month when I enquired about Infinia. They are being very pompous about this stupid card. I'll hold on to Magnus, still not the worst card in my wallet. With Axis Vistara Signature, AMEX Platinum Travel, IDFC First Wealth, and Tata Neu Infinity, I feel I'm already reaping good benefits.

@amitabhmaheshwari

11 ай бұрын

Stupid card ? Case of sour grapes. If the card is stupid, why did you try in the first place, and got disappointed when refused.

@rhitamdutta1996

11 ай бұрын

@@amitabhmaheshwari I enquired and found out it was stupid, can you not read?

@anubhabribhu

11 ай бұрын

@@amitabhmaheshwari😂😅

@jonamdhar1

11 ай бұрын

Gross of 6lakhs? Or net salary credit?

@rhitamdutta1996

11 ай бұрын

@@jonamdhar1 6 lakhs credited to my account per month. And this was from my RM with whom I've had an account for the last 15 years.

1st viewer n like

HDFC Regalia gold is much better than this two cards if ur yearly spend is within 10lackhs per year

❤❤hi

Aukaat se bahar ke card hai

Finally after a long time later you did Infinia and Magnas competition. I was waiting for this review. Thanks for the video ❤