Pls do subscribe. Apply for HDFC now - lucrative.gotrackier.com/click?campaign_id=303&pub_id=506&url_id=1

@nitinchavan5743

Ай бұрын

Make video on HDFC biz black

Hi sir , the global program that you mentioned is currently being denied by customer care , is it discontinued ?

Hello please Say about HDFC biz black and i am using regalia &how to upgrade it to infinia

will exclusion list such as wallet transaction, government transaction , Fuel Spends part of milestone threshold calculation of 4Lakh quarterly in DCB Metal ?

Which one is your primary card and for which purpose you use which card? Can you keep a session, may be paid one as well.

I have moneyback plus 6 months over no offer for upgrade, any tips? I dont file itr since im a student

@dugarniraj on 4:37, you say If i book flight tickets using reward points, i get 16.5% back on that as well. how can the spend using reward point can incurr rewards back??? Have you really done it?

@dugarniraj

Ай бұрын

you pay 30% in cash right? spends on smart buy give you 5x back. so 5x on that 30%

What happened to using infinia points for accor live ?? Is that not worth it ? And what about buying gold from tanish if you dont fly much ?!? Also net reward on utility is 8% buy doing amazon vouchers ?

Hi, I had DCB LTF, but was not using it much since I have SBI Cashback, AMEX MRCC. Now I was able to take an upgrade to Infinia Metal chargeable. Was it a worth move? I am able to meet the 10 Spends, but nothing more than 10. So was it a wise move?

@dugarniraj

Ай бұрын

worth will depend on how you're able to use the card :)

@Bhatiji

Ай бұрын

@@dugarniraj mostly spending on those categories where I would get a meagre 1%, and then the multiplier, so a wise move I believe! Thank you :)

Currently, they are providing infinia metal card only. Is there any way to get the normal infinia card?

@dugarniraj

Ай бұрын

New only metal

Amex MRCC or Amex Gold charge card? For basic spend of 6k per month on insurance for the reward points. I am confused as Gold charge card has a high renewal fees compared to MRCC with no renewal benefit. Please recommend.

@siddharthchaturvedi607

Ай бұрын

Definitely Gold if you can spend 1000x6=6000rs monthly on reward mutiplayer. Else MRCC

@dugarniraj

Ай бұрын

MRCC IMO

@dugarniraj I see the offer is changed now for platinum travel card. instead of 40k points they are giving only flipkart vouchers? can u please make an updated video and evaluate if still worth it? Can we still transfer these points to Marriot?

@dugarniraj

Ай бұрын

Where do you see it saaar

Hey if we do upi transaction does it count on card spending?

@dugarniraj

17 күн бұрын

if your card is linked to UPI, yes

Do we get 12500 reward points if we meet the fee waiver spend limit? Is it worth stretching spends to meet the spend limit?

@dugarniraj

Ай бұрын

You don’t

Does Infinia makes sense if your yearly spends are under 10L, which I try to split between Atlas and AMEX Platinum Travel?

@dugarniraj

Ай бұрын

Doesn’t make sense

@harryp3804

Ай бұрын

@@dugarniraj why tho , you can spam them on flight or tanisq vouchers with 1:1 redeeming ? I searched far and wide and haven't come come accor a better card. My statement excludes Amex with their obscene fees and Almost nil acceptability. I don't enjoy splurging on expensive hotels much.

How to turn on global value program is it applicable on sevis i20 payments on infinia card ?

@dugarniraj

Ай бұрын

How will GVP be applicable on local payment?

@saitejabadri001

Ай бұрын

OK BTW how to turn on gvp ?

How about buying Zomato, blink it etc these kind of vouchers on gyfter if we are using these apps regularly?

@dugarniraj

Ай бұрын

can do that

Hi Niraj, I bought the amazon pay gift card from the infinia card and added to amazon pay balance. But its the shopping balance only and can be used for shopping not for paying utilities bills. I have checked terms & condition, its all about shopping balanace. How do you do it? Am i missing something here? Looking forward to your response!

@dugarniraj

Ай бұрын

There are two different types of vouchers Amazon pay Amazon shipping voucher You bought the latter

@mkdudeja26

Ай бұрын

@@dugarniraj i couldn't find the amazon pay voucher... its just say amazon pay gift card

@dugarniraj

Ай бұрын

yes that..

@mkdudeja26

Ай бұрын

@@dugarniraj but that gets added as a shopping voucher not as a amazon pay wallet balance.

@mkdudeja26

Ай бұрын

it would be great if you can come up a small video on that... and may differentiate the two as well as most of the people doesn't understand the shopping balance vs wallet balance.

Dear Niraj, I've liked & subscribed your channel. Also, applied for HDFC card using your link. I was only eligible for HDFC Moneyback, Swiggy & IndianOil cards but, not Infenia. So, I've continued & applied for Moneyback as of now. Its been approved, I shall then use it & build the credit history then, try to upgrade for Infinia. Appreciate all your time & efforts. TA, Santosh from Bangalore - We shall be in-touch as I'm also Credit Card enthusiast !!!

@dugarniraj

Ай бұрын

good to know Santosh - let me know how your journey goes

You get reward points for insurance payments seperately? You’re saying we don’t get it?

@dugarniraj

Ай бұрын

you get - 5k per day but 3.3% only

I recently got HDFC Infinia Mastercard version. Is there any difference in features compared to Visa variant card?

@dugarniraj

Ай бұрын

Nope. I think you can ask for visa too

@SEDHURAJANALLAYAN

Ай бұрын

Visa Infinite Has BOOKMYSHOW movie and f&b ticket benefit

@soumyapaulchowdhury7750

Ай бұрын

No difference. Infinia is a credit card offering from HDFC Bank. Visa/Mastercard is just a network partner. Hence no difference

@akashkumardash6918

Ай бұрын

How did you get? I mean did they upgrade from any existing credit card?

@harryp3804

Ай бұрын

Visa infinite has book my show ticket benefit , I don't think Mastercard has

not able to pay monthly recurring bill payments through amazon vouchers. kindly rectify the video.

@dugarniraj

17 күн бұрын

So my video is incorrect because you are not able to pay? 😃

@drsoundarortho

17 күн бұрын

Yes it is a shopping voucher . I was not able to use the voucher for bill payments. Are u able to ?

@dugarniraj

17 күн бұрын

shopping voucher does not work. its for "shopping". You need to use amazon pay voucher

@drsoundarortho

16 күн бұрын

Amazon pay voucher not available. How to get Amazon pay voucher with infinia card

I earned about 4.5lakh worth points last year and redeemed it for Tanishq gold vouchers worth the same amount😎

@dugarniraj

16 күн бұрын

Incredible

@nitinsingh1569

16 күн бұрын

Bro how much do you spend to earn 4.5 lakh worth points ?

@sandeeproy1167

15 күн бұрын

@@nitinsingh1569 sshhh

@gk00301094

11 күн бұрын

Bro you should have done that spend via axis magnus. That would have tripled your returns. Even in hdfc transfer to accor to almost double your return

@gk00301094

11 күн бұрын

You spend around 1.25cr That would have fetched you around 10 to 29 lakh in form of hotel and flights depending upon your usage

Please share video of journey to get infinia

@dugarniraj

Ай бұрын

Journey From HDFC Regalia First To HDFC Infinia for 33% Rewards | CA Niraj Dugar kzread.info/dash/bejne/Z5to1qZtoJrNXbQ.html

Global value program is no longer active on infinia metal.

@faaranmohd

Ай бұрын

It is. I'm using it

The Amazon pay voucher is only applicable for shopping and not bill payments. Not sure if you really use it.

@dugarniraj

Ай бұрын

Bro that’s Amazon shopping voucher. There are different types. Pick the right one

@abhishekagarwal3852

Ай бұрын

@@dugarniraj Sure bro. Need to have a second look. Thanks.

@richakanchan7544

19 күн бұрын

Hi if I refill my Amazon pay balance will I still get the points. As I can't see any option where a gift voucher can be used for other payment. They have put a checklist where in it shows can't be used on Amazon pay

Which is your primary credit card?

@dugarniraj

5 күн бұрын

No such thing as primary card. It’s a portfolio

@sumeetsood232

5 күн бұрын

But I dnt want to maintain a portfolio, just 1-2 cards that maximize my cashback. Yearly spend - around 15 lakhs As of now using Axis vistara Card

WHY NOT USE DCB NIYO CARD WHERE THERE IS NO FOREX MARKUP FEE AND GST

@dugarniraj

Ай бұрын

why are you shouting? :) Why should I not take the extra 2.3% points ?

Not able to make utility bill by Amazon voucher

@dugarniraj

12 күн бұрын

buy amazon pay voucher bro

@arifvohra8902

10 күн бұрын

Where to buy Amazon pay voucher? As smart buy gives only shopping vouchers

@nikhiltoshniwal441

8 күн бұрын

@@dugarniraj from where to buy buy Amazon pay voucher bro...its not available I think

I've got Infinia LTF

@dugarniraj

Ай бұрын

superb congratulations

@saravanansavb

Ай бұрын

Hi, could you please let me know how u got it?

@cb7762

Ай бұрын

@@saravanansavb sure

@saravanansavb

Ай бұрын

@@cb7762 u can comment here itself if that is ok for u

use more visual text, cards, images than monologue.

@dugarniraj

27 күн бұрын

Totally agree Mohit but KZread doesn’t make any money for me so no budget to spend on editing 😊

Bro nice information, but please speak little slowly. U r going too fast 😂

@dugarniraj

Ай бұрын

Wow you can’t understand this? I generally make the video 1.2x Practice listening at 2x. It’s a waste of time otherwise

@siddharthchaturvedi607

Ай бұрын

@@dugarniraj i understood and what u said is true about 2x listening. But when it comes to important subject. I like to go slow to understand best. Nice content u r making Thanks and keep doing

@kunalkundan482

Ай бұрын

@@dugarniraj kahan jana h bhai, itna time bacha k, thoda relax hi krlo... jyada fast fast karna everything creates a negative impact on body and mind. #justchill

@dugarniraj

Ай бұрын

well there are lots of better things do in life - I do long distance running, run a business, run this channel, write on nirajdugar.com, learning to play the piano, manage real estate for my family. so I cant chill :)

@kunalkundan482

Ай бұрын

@@dugarniraj haha, to sabkuch fast fast hi karenge kya Niraj ji aap. Sorry but I didn't mean that you don't have other priorities or interest etc, I just meant whatever you do, doing with easy mind is good for body and soul. anyhow you are your own boss and way matured than me, so NVM.

This 20000rs amazon pay voucher Is reduced to 10000rs now

@dugarniraj

Ай бұрын

just bought 20k voucher

everything is fine, but pls try to speak little slow

Global value program is stopped now

@dugarniraj

Ай бұрын

have you called and checked?

@ankitgarg19

Ай бұрын

@@dugarniraj yes, checked with customer care

@rudresh

Ай бұрын

I enabled it one month earlier

@VinayJilla

Ай бұрын

Yes, the Global value program got discontinued from 31st March 2024 onwards

@harryp3804

Ай бұрын

Such an outdated vijio really , hdfc suckling hard by spamming these card for insurance policies nowadays and devaluing the heck out of it.

I was talking to my RM last week and he was saying you can get infinia if you have high salary of 2.5 - 3 lakh per month

@dugarniraj

Ай бұрын

3.5 lakhs in hand from what I know

@harryp3804

Ай бұрын

I bought 1.3 L policy from them and got the card.

@harryp3804

Ай бұрын

Getting the card is not that difficult, getting it for life time free is the key if anyone can help me.

@dugarniraj

Ай бұрын

@@harryp3804 bad idea

@harryp3804

Ай бұрын

@@dugarniraj I bought the policy for my parent , I needed to buy something anyways so it's not a complete loss to be honest. And if iam getting the card then why not. But iam super pissed because of the all the devaluation they have done on the card specially on Accor. I guess the best option I see now is spam tanisq vouchers and get on the gold buying spree.

RM is the most useless thing that banks offer..Most RMs are useless. I dont even get a callback from my RM. If anyone knows whom should i complain/escalate this, pls let me know. I am also an imperia customer

@batmanz.

Ай бұрын

Principal nodal officer

Hi @dugarniraj I applied for Amex Platinum travel card using your referral link. Hope you got your referral bonus points. Thanks for educating us on credit cards, comparisons and best practices. Please keep making more videos on credit cards regularly (even better if Amex 😜)

@dugarniraj

Ай бұрын

Hahah sure. Let me know what topics on Amex

@vinayc

Ай бұрын

@@dugarniraj I heard some of my friends that Amex is not accepted everywhere, is that true ? What’s your experience in bangalore been ?

@vinayc

Ай бұрын

@@dugarnirajwould you recommend hdfc Infinia or Amex platinum travel is better ?

@dugarniraj

Ай бұрын

See if you can get infinia. It’s good to have 100%. Plat travel if your expenses are high you can add