I have recently noticed that in voucher redemption, there is a huge change now . Redeeming voucher has become 2 times expensive now . 1k Amazon voucher for 10000 points , also for 6000 points needed for max 1k voucher which was 2800 points earlier. All clothing brand voucher has become very expensive to redeem .. do u have any day on this ?
Yes, Just paid for my i20 nline with Atlas credit card, as there's literally no card in semi-premuim to even in premium. MCC was 5571 and MRD 1.75% @@dugarniraj
How did you get Life Time Free Regalia Gold ? I am getting offer to Upgrade from LTF Millennia to First year Free Regalia Gold ? were you getting LTF Regalia Gold or later you converted it into LTF ?
As I have huge spend over e-commerce portal or say online spends, plz suggest me best card to have to maximise rewards. I am eligible for all cards you mentions
If my yearly spend is 7-8 lakhs on credit card, which one should I prefer Regalia Gold or Infinia ? Please mention spending wise cards also in your next videos. 😊
Plz help me out Is HDFC diners card best in 2025 as hai best lounge acess of 15 k per quarter. Does the reward points redemption is good for hotle and flight booking if not Which card gives best redemption rate for hotle and flight booking I use credit card for purchas like to buy i phone and tech items and coths shopping and gadgets like camera and tech items . Mainly to 50k or 1k purchase at one time .
Hi Suman can you tell me what was the limit of your previous hdfc card from which you upgraded to Regalia Gold. Any response will be highly appreciated (@dsumanprasad1654)
Even I got it last week , I had a deal with my RM to show 40k transaction in consecutive months that’s all. And then he raised a ticket internally. I also had regalia LTF prior to this, I upgraded to regalia gold FYF then LTF. Edit: I asked my RM to drop me a mail that’s it LTF , as the app Doesn’t show LTF
I got HDFC Regalia Gold LFT, its a good card if you use it well. I already unlocked both MMT Black and Vistara silver, now just waiting for 1500 coupon..., Thanks for the video
I dont want airport or lounge but require a cc for utility+education+insurance+ NPS(not compulsion) . Expenditure is about 3-4 lkh. Please suggest one.
Hello.. In the upcoming months I’m planning for a trip to Europe with my wife.. please suggest me a best card at present.. my usual spends are in domestic travel, hotels, online and offline spends.. roughly might come up to 8-10Lakhs.. but it’ll be higher for the upcoming year.. and yes lounge visits matter .. please suggest me a best card.. thanks in advance
I have seen people getting Regalia Gold as LTF, Its been 9 to 10 months I have been notified multiple times to upgrade from Regalia to Gold but as it was FYF I didn't proceed. Infact I asked the bank multiple times to make it LTF. However, I see people getting it as LTF but recently out of frustration, and my card renewal nearby I was getting option to change from Mastercard world to rupay select, so I changed and got Regalia Rupay select. Because Regalia Mastercard world was the stupid card in my fleet of cards just because after Regalia Gold launched all the perks are technically barred on this card such as Airport lounges as I can recall. I could not avail any Airport lounge with Regalia MC world. Hence, changed to Rupay Select LTF. I dunno if I made a bad decision or not as I want to upgrade to DCB or Infinia in the future.
I have just got a sbi vistara co-branded card and today I saw the news that Vistara is merging to Air India following which the brand would no longer continue as Vistara. So the club vistara points will be migrated to air india flyers returns points. But I am keen on knowing your insights about - Will the card be replaced automatically in future by my bank when Vistara fully migrated ? Or I can chill and keep using it normally as Vistara will migrate from back end? 2. What would you do in my situation?
@@dugarniraj Got it. Since I just got it already, if I want to be on safe side, what would be better 1. Apply a new SBI card separately Or 2. Get an SBI Add on card 3. Apply a new card with other bank
Im planning to upgrade from Regalia Gold to DCB black... After watching your video i feel DCB black might not be great. Please suggest if i should apply for upgrade.
Can you suggest best card as per your understanding My mostly expenses on online purchase , retail store, departmental store. My Annual spend around 2 lacs. MRRC already mind, can you suggest after form this ?
@@dugarniraj I'm also getting the same card options, what would you recommend even if someone is not certain that he spends over only tata brands. For example i saw swiggy card maybe offers 5% cashback too over Amazon, Flipkart, Myntra, etc. So please suggest what is overall better card for a general user like me, I already have Kotak league credit card Visa & RBL duet credit card Mastercard. Please suggest
I don't need fancy hotels , currently use Milena. Have an upgrade offer to regalia gold but not upgrading. Bcz I get regular flipkart/ Amazon vouchers on and 1rp =1 INR. But should I try to get infinia? Yearly spend is 5-8lakhs . And I was thinking even if I have to pay the infinia fee , would the reward points be used to bill settlement?
I hold Regalia Rupay LTF, not so great experience.just using for UPI and some offline spent. I am not travel much so Regalia Gold not make sense. I would like to upgrade, but not want to spent 10k or more for annual fees. Not sure which card can be opted.
Hi. I have Infinia currently. But with the change in Rewards points system in Infinia, it won't be as rewarding as it is now. So which will be the best credit card for Utility bill payments of around 2-3 Lacs monthly. Kindly advise. Thanks
Thanks for the prompt reply. Amex is not available in my city currently. Tried but address was the only issue. Will go with Biz Black. Any upper limit on rewards points per transaction on Biz Black ??
Nice video ….trying to get a hdfc card since quite some time …typically difficult to get if u r self employed (doctor in my case) Have opened account with hdfc and also an FD and applied for regalia gold Hope this time I get it !!
I'm confused as I am offered both Regalia Gold and Tata Neu Infinity. I would like a Rupay card but only Indigo flights are operating from my city so I would not dbe able to take max benefit out of the neu card. But its reward point that is neu coin is of ratio 1:1 and the regalia gold RP is half of that. Which one should I go for? My spendings are not enough for me to keep both. Please help.
Hey Niraj! Great video! I have the HDFC Regalia Gold LTF and am evaluating SBI Elite, Axis Atlas and Amex Plat Travel. My main goal is travel itself with the new card and some lifestyle benefits? What are your suggestions?
I’m using INFINIA with spends around 20L per year. Can i additionally get DCB? I have tata neo infinity too. Will HDFC provide me with 3rd card that too DCB
@@DURAIPDR If you are a new HDFC card applicant then the requirement is 3.75 L monthly salary. If existing HDFC card holder, you should have a hdfc card with 8 L credit limit and 7.5 L spends in last 6 months. In my case i met this with my DCB card and upgraded
Hi I got an offer to convert my LFT Business Regalia credit card to visa Biz power credit card (joining is free but there is annual fee). Will this be beneficial for me to do or not?
Sir, I want to apply for Amex Platinum Travel credit card, my current CTC is 5.85LPA but the eligibility to apply for the card is 6LPA, so the difference is just 15k rupees, so is there any way I can apply for the card. Please tell me I also have 6 different credit cards from different banks.. after seeing your videos I really want to use AMEX for that points. So requesting you to please reply to this sir. Thanks in advance
@@dugarniraj thanks for the reply. The Idea is that I have a big purchase of 3 lakh rupees to buy a vehicle next month so I wanted to my that using the Amex credit card under my father's name and in future is there any way where I can transfer the gained points from my father's amex card/account to my Amex account?
Getting option of HDFC Dinners Privilege Credit Card, SWIGY or NEU Plus. I have classic banking from HDFC as well. Please suggest me about HDFC CC. I didn't own any HDFC CC as of now.
Hi Niraj, need one suggestion I’m getting HDFC Infinia or Axis Reserve for lifetime free due to certain reason. And my most of the expenses are in travel only- hotels , flights or forex etc. So could you plzz suggest me which card is good to pursue. Or can u suggest any other card of Axis which is more better than Reserve. Plz suggest any card of hdfc or axis only. Thanks
I recently applied HDFC regalia gold & got it, but limit was too low 1.5L (getting 2.3Lpm) holding magnus which i will close before renewal. ICICI basic cards but 15L limit. Can you advise me how to upgrade to infinia card from regalia gold ? & How to increase limit
Getting LTF Offer on Regalia Gold, Millennia, Privileged Diners Club and biz grow. Which ones do you think I should get? Confused between all. Personally I am a business owner & spending is roughly 50-60k a month.
Hi Niraj, I am currently a student. I currently have Axis Atlas as my primary card. However, I am planning to drop it and take Amex Travel Card. Could you please share your views whether should I continue with Atlas or switch to Amex, considering I can only keep one of them for now.
Hi i have 2 queries. How many reward points we get on paying educational fee of rs 6 lakh for iim on eshiksha portal on infinia card. And also how many reward points we get on paying lic insurance premium of 5 lakh thru infinia. Thanks in advance
Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn Reward Points. However, education payments made directly through college/school websites or their POS machines will earn Reward Points Insurance is capped at 5k per day.
'Good' depends on what you want.. Regalia Gold doesn't offer fuel surcharge waiver. Also, milestone points are also not available as reward points, instead as air miles. So if you don't need lounge access, Gold isn't the best
Hi Niraj, I am now planning to switch my salaried account to HDFC from SC, but already I have Millenia which I have been using for around 8 yrs, so which credit card can I get from bank as LTF, they were saying that I might get Regalia gold and Diners Privilege, but since I already have Millenia can I ask them for any other better card
Hi Neeraj, I am having regalia gold credit card. Is it possible to upgrade to infinia if I spend 7.5 lakh in 6 months or should I first request for DCB black and than infinia? Plz suggest
@@faheemjnmc it is difficult with 5 lakhs credit limit. Ask your RM, he will need to get approval for it. Helps if you have any other relationship with hdfc. But it is possible.
I have hdfc millenia card now they provide me offer for upgrade into regallia gold for lifetime , plz help me what should i do , should i go to gold card to remain with millennia...
Or you can take pen and paper and see the video? Or you can support me by either subscribing to newsletter or contributing to the channel memberships so that I can invest more in the channel? 😁
A note book and a pen doesn’t cost you. My time has enough value buddy. I will continue to invest in the channel. Have started editing videos. Things will improve as channel starts giving me results over time.
I Regret for not taking Tata Neu Infinity I got Plus and Infinity both 1st year free offer but I took Plus card thinking of 1499+gst annual fee for Infinity but I got Plus as lifetime automatically without any call to bank 🥴🥴🥴🥴 as of now all my cards and my family members HDFC cards are lifetime free 😂🤣😂🤣 I really love HDFC banking relationship 😁😁
![What Credit Cards You Should Have by INCOME? [Detailed Review]](http://i.ytimg.com/vi/RsQFUJGXeHQ/mqdefault.jpg)
HDFC ALL CARDS: tinyurl.com/583w6wzc
TATA NEU-tinyurl.com/ky97f6s2
how to appply for infenia they give me pathetic LTF cards
I have recently noticed that in voucher redemption, there is a huge change now . Redeeming voucher has become 2 times expensive now . 1k Amazon voucher for 10000 points , also for 6000 points needed for max 1k voucher which was 2800 points earlier. All clothing brand voucher has become very expensive to redeem .. do u have any day on this ?
As a professional and new age RUclipsr, you should start putting timestamps in your videos.
Infinia is not overrated or overhyped IMO. It deserves all the hype it gets.
Not really. I use atlas more than infinia
Yes, Just paid for my i20 nline with Atlas credit card, as there's literally no card in semi-premuim to even in premium. MCC was 5571 and MRD 1.75% @@dugarniraj
What's good about Atlas?
@@dugarniraj- Even after recent devaluation?
I actually got Regalia Gold lifetime free recently. My old millennia was upgraded so it's definitely possible.
Congratulations
How did you get Life Time Free Regalia Gold ? I am getting offer to Upgrade from LTF Millennia to First year Free Regalia Gold ? were you getting LTF Regalia Gold or later you converted it into LTF ?
Does HDFC do Millennia card upgrade to Regalia Gold ?
I too have Regalia Gold Lifetime free. If you work for one of HDFC's top corporate listed companies and have a salary account with HDFC.
For Regalia lounge access, you need to spend 1L in previous Quarter to avail complimentary access.
As I have huge spend over e-commerce portal or say online spends, plz suggest me best card to have to maximise rewards. I am eligible for all cards you mentions
My channel talks about the benefits of all cards. You can decide. If you want specific answers, you can schedule consultation call
rzp.io/l/dERGAx7S2I
If my yearly spend is 7-8 lakhs on credit card, which one should I prefer Regalia Gold or Infinia ?
Please mention spending wise cards also in your next videos. 😊
Take infinia if you can get it. Why settle for less?
@@dugarniraj What if regalia is LTF?
Got Regalia Gold as LTF last month
Superb
Tell me how I get ltf
@@ajinkyanarke discuss with ur HDFC RM. They will support you for this.
How did you get LTF ? I am getting First Year Free from Millennia to Regalia Gold.
@@ajinkyanarke get in touch with your HDFC RM
Plz help me out
Is HDFC diners card best in 2025 as hai best lounge acess of 15 k per quarter.
Does the reward points redemption is good for hotle and flight booking if not
Which card gives best redemption rate for hotle and flight booking
I use credit card for purchas like to buy i phone and tech items and coths shopping and gadgets like camera and tech items .
Mainly to 50k or 1k purchase at one time .
I got HDFC Regalia golf Life time free. Now I feel more satisfied
Amazing
Hi Suman can you tell me what was the limit of your previous hdfc card from which you upgraded to Regalia Gold. Any response will be highly appreciated (@dsumanprasad1654)
How u gt ?can u please guide me
same here
Even I got it last week , I had a deal with my RM to show 40k transaction in consecutive months that’s all. And then he raised a ticket internally.
I also had regalia LTF prior to this, I upgraded to regalia gold FYF then LTF.
Edit: I asked my RM to drop me a mail that’s it LTF , as the app Doesn’t show LTF
HDFC has stopped issuing new Regaila cards, they're pushing users towards Regalia Gold
Hey Niraj! Between Regalia Gold and Diners Club Black, which is better in your opinion?
I got HDFC Regalia Gold LFT, its a good card if you use it well. I already unlocked both MMT Black and Vistara silver, now just waiting for 1500 coupon...,
Thanks for the video
Congratulations
How did u unlocked my black and club vistaar membership.. I am getting error
How did you get this card for lifetime free? It's not possible..... And how did you unlocked the welcome benefits ?
I dont want airport or lounge but require a cc for utility+education+insurance+ NPS(not compulsion) . Expenditure is about 3-4 lkh. Please suggest one.
Amex plat travel will solve for this.
Hello..
In the upcoming months I’m planning for a trip to Europe with my wife.. please suggest me a best card at present.. my usual spends are in domestic travel, hotels, online and offline spends.. roughly might come up to 8-10Lakhs.. but it’ll be higher for the upcoming year.. and yes lounge visits matter .. please suggest me a best card.. thanks in advance
Atlas and platinum travel
@ thank you so much.. 🙏🏻 and how about infinia when compared to atlas?
I have seen people getting Regalia Gold as LTF, Its been 9 to 10 months I have been notified multiple times to upgrade from Regalia to Gold but as it was FYF I didn't proceed. Infact I asked the bank multiple times to make it LTF. However, I see people getting it as LTF but recently out of frustration, and my card renewal nearby I was getting option to change from Mastercard world to rupay select, so I changed and got Regalia Rupay select. Because Regalia Mastercard world was the stupid card in my fleet of cards just because after Regalia Gold launched all the perks are technically barred on this card such as Airport lounges as I can recall. I could not avail any Airport lounge with Regalia MC world.
Hence, changed to Rupay Select LTF. I dunno if I made a bad decision or not as I want to upgrade to DCB or Infinia in the future.
I have just got a sbi vistara co-branded card and today I saw the news that Vistara is merging to Air India following which the brand would no longer continue as Vistara. So the club vistara points will be migrated to air india flyers returns points. But I am keen on knowing your insights about - Will the card be replaced automatically in future by my bank when Vistara fully migrated ? Or I can chill and keep using it normally as Vistara will migrate from back end?
2. What would you do in my situation?
No idea. I wouldn’t apply now because this fact has been known for long. For the cards I have, I’m waiting and watching
@@dugarniraj Got it. Since I just got it already, if I want to be on safe side, what would be better
1. Apply a new SBI card separately
Or
2. Get an SBI Add on card
3. Apply a new card with other bank
Which card can be used for international transactions like international exam payments?.. Can swiggy hdfc be used?
Which other cards do you have
I am unable to pay taxes using my Bizblack card in Hyderabad.
Can you guide regarding how to do it?
You can book a call.
@dugarniraj sure. Let me know how to proceed
Im planning to upgrade from Regalia Gold to DCB black... After watching your video i feel DCB black might not be great. Please suggest if i should apply for upgrade.
Don't go for DCB as acceptance is very less
Can you suggest best card as per your understanding
My mostly expenses on online purchase , retail store, departmental store.
My Annual spend around 2 lacs.
MRRC already mind, can you suggest after form this ?
just go for a free card. expenses doesn't justify any paid card
@@dugarniraj thank you.
Finally, i got regalia gold for LTF... thank for the video
How did you get?
@akashkumardash6918 my relationship manager, offered me LTF card...
How did you get LTF ?
@@itsds. No one says it bro. I don't know why!
@@akashkumardash6918 They might be not seeing our reply
I am eligible for diners club privilege, swiggy, tata neu plus. Which one should I go for?
Last one for sure if you spend on tata brands
@@dugarniraj I'm also getting the same card options, what would you recommend even if someone is not certain that he spends over only tata brands.
For example i saw swiggy card maybe offers 5% cashback too over Amazon, Flipkart, Myntra, etc.
So please suggest what is overall better card for a general user like me,
I already have Kotak league credit card Visa & RBL duet credit card Mastercard.
Please suggest
I don't need fancy hotels , currently use Milena. Have an upgrade offer to regalia gold but not upgrading. Bcz I get regular flipkart/ Amazon vouchers on and 1rp =1 INR. But should I try to get infinia? Yearly spend is 5-8lakhs . And I was thinking even if I have to pay the infinia fee , would the reward points be used to bill settlement?
No. Won’t be worth it.
I hold Regalia Rupay LTF, not so great experience.just using for UPI and some offline spent. I am not travel much so Regalia Gold not make sense.
I would like to upgrade, but not want to spent 10k or more for annual fees. Not sure which card can be opted.
Apply and check if you have FYF offers
HDFC ALL CARDS: tinyurl.com/583w6wzc
TATA NEU-tinyurl.com/ky97f6s2
Hi.
I have Infinia currently.
But with the change in Rewards points system in Infinia, it won't be as rewarding as it is now.
So which will be the best credit card for Utility bill payments of around 2-3 Lacs monthly.
Kindly advise.
Thanks
2-3 lakhs is a lot 😂
Biz black is one. You can also use Amex gold charge card, Amex platinum travel
Thanks for the prompt reply.
Amex is not available in my city currently. Tried but address was the only issue.
Will go with Biz Black.
Any upper limit on rewards points per transaction on Biz Black ??
For online purchases Millennia is great
Hey Niraj, if I make rent payments, would it count towards the 8L free renewal mark?
Not sure. Pls check with hdfc
Nice video ….trying to get a hdfc card since quite some time …typically difficult to get if u r self employed (doctor in my case)
Have opened account with hdfc and also an FD and applied for regalia gold
Hope this time I get it !!
Try these links
HDFC ALL CARDS: tinyurl.com/583w6wzc
TATA NEU-tinyurl.com/ky97f6s2
I have the Regalia Gold and upon spends of above 4L within 6 months I'll be eligible for DCB. Is it worth upgrading?
Depends on your spends. Features wise, latter is better
I'm confused as I am offered both Regalia Gold and Tata Neu Infinity. I would like a Rupay card but only Indigo flights are operating from my city so I would not dbe able to take max benefit out of the neu card. But its reward point that is neu coin is of ratio 1:1 and the regalia gold RP is half of that. Which one should I go for? My spendings are not enough for me to keep both. Please help.
Earnings rate is lower on neu compared to regalia.
You’ll get higher on neu only on tata brands.
Hey Niraj! Great video!
I have the HDFC Regalia Gold LTF and am evaluating SBI Elite, Axis Atlas and Amex Plat Travel. My main goal is travel itself with the new card and some lifestyle benefits?
What are your suggestions?
Hi Niraj. I have a Diners privilege and Amex gold charge card. Do i have to change any of these?
Privilege isn’t great. See what else you’re eligible for
HDFC ALL CARDS: tinyurl.com/583w6wzc
@@dugarniraj it says you have recently applied for a credit card. I recently got previlige as an upgrade for millennia I used to have from 2 years
I’m using INFINIA with spends around 20L per year.
Can i additionally get DCB?
I have tata neo infinity too. Will HDFC provide me with 3rd card that too DCB
Yes. I’ve 3 too.
How to get infinia card?
@@DURAIPDR If you are a new HDFC card applicant then the requirement is 3.75 L monthly salary. If existing HDFC card holder, you should have a hdfc card with 8 L credit limit and 7.5 L spends in last 6 months.
In my case i met this with my DCB card and upgraded
Hi I got an offer to convert my LFT Business Regalia credit card to visa Biz power credit card (joining is free but there is annual fee). Will this be beneficial for me to do or not?
Yes I think. Pls do compare once .
Is regalia gold a better card than DCB?
I have regalia gold now
Hi i have just got infinia card. Kindly let me know how many points can i get for paying insurance premium and income tax
3.3%
No points for tax
Hi, how is the HDFC Biz Power credit card?
Fine if you’re not getting black
Hi.. is any ebit card giving cashback on credit card bill payment?
Sir, I want to apply for Amex Platinum Travel credit card, my current CTC is 5.85LPA but the eligibility to apply for the card is 6LPA, so the difference is just 15k rupees, so is there any way I can apply for the card. Please tell me I also have 6 different credit cards from different banks.. after seeing your videos I really want to use AMEX for that points. So requesting you to please reply to this sir. Thanks in advance
Wait for income to increase bro
@@dugarniraj thanks for the reply. The Idea is that I have a big purchase of 3 lakh rupees to buy a vehicle next month so I wanted to my that using the Amex credit card under my father's name and in future is there any way where I can transfer the gained points from my father's amex card/account to my Amex account?
Getting option of HDFC Dinners Privilege Credit Card, SWIGY or NEU Plus. I have classic banking from HDFC as well. Please suggest me about HDFC CC. I didn't own any HDFC CC as of now.
Any advice on HDFC Diner Privilege card?
Hi Niraj, need one suggestion
I’m getting HDFC Infinia or Axis Reserve for lifetime free due to certain reason.
And my most of the expenses are in travel only- hotels , flights or forex etc.
So could you plzz suggest me which card is good to pursue.
Or can u suggest any other card of Axis which is more better than Reserve.
Plz suggest any card of hdfc or axis only.
Thanks
What are the benefits of reserve?
How are you getting Infinia for free? Could you let me know? I want to upgrade my Regalia to Infinia
I recently applied HDFC regalia gold & got it, but limit was too low 1.5L (getting 2.3Lpm) holding magnus which i will close before renewal.
ICICI basic cards but 15L limit.
Can you advise me how to upgrade to infinia card from regalia gold ? & How to increase limit
Mail hdfc with all details
4/150*100=2.66
Base rate Regalia Gold comes to be 2.66. He is saying it's 1.3. Am I missing something?
Each regalia point is worth 0.5 only
Can you suggest best card for travel internationally
spoken about it multiple times on channel
I want to know about axis atlas where should we spend to get rp bcoz most of the way is banned.
I've got an option to select only HDFC Millennia Credit Card, Any thoughts on it would be very helpful.
Millennia is fine. Rest depends on your spends.
Getting LTF Offer on Regalia Gold, Millennia, Privileged Diners Club and biz grow. Which ones do you think I should get? Confused between all. Personally I am a business owner & spending is roughly 50-60k a month.
regalia gold
Please consider doing similar videos on axis icici sbi also
Hi using hdfc credit card can make payment GST
Biz black yes
In my Gst portal page it doesn't showing credit card option.then how do I pay gst
I am getting LTF offer on HDFC millennia and Diners privilege, please help to choose between in these two cards
Did u get answer brother? May be through any other channel?
Dinners privilege for sure
Hi Niraj, I am currently a student. I currently have Axis Atlas as my primary card. However, I am planning to drop it and take Amex Travel Card. Could you please share your views whether should I continue with Atlas or switch to Amex, considering I can only keep one of them for now.
Atlas is better bro if I were to pick one
I have offered Hdfc diners club privilege...is it better than Regalia Gold ?
Same , are you offered both the cards are lifetime free?
Im having diners privilege card … is it good or should i shift to regalia gold ???
which crdit card is best for paying income tax ?? I have to pay 50,000 every quater, pls suggest
Biz black
BigGrow card is good or not?
no idea what card is this. never heard.
Can we have multiple hdfc credit cards at the same time? My RM says that I can’t have more than 1 card at the same time
I have 2. As far as I know you can have 2-3 hdfc cards.
I have 3
I have 4
Hi i have 2 queries. How many reward points we get on paying educational fee of rs 6 lakh for iim on eshiksha portal on infinia card. And also how many reward points we get on paying lic insurance premium of 5 lakh thru infinia. Thanks in advance
Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn Reward Points. However, education payments made directly through college/school websites or their POS machines will earn Reward Points
Insurance is capped at 5k per day.
@@dugarniraj Our iim had arranged to make payment through eshikhsha portal is it covered for rewards
'Good' depends on what you want.. Regalia Gold doesn't offer fuel surcharge waiver. Also, milestone points are also not available as reward points, instead as air miles. So if you don't need lounge access, Gold isn't the best
Obviously everything is subjective no? Someone who doesn’t travel, these cards won’t make sense for them
@@dugarniraj So, if someone is not travelling then which credit card is best?
Why are you advertising for Regalia Gold only?
AMEX cards link has expired 🤔
Amex gold card - americanexpress.com/en-in/referral/gold?ref=nIRAJDsWyR&XLINK=MYCP
Amex plat travel - americanexpress.com/en-in/referral/gold?ref=pRASHKUKd3&XLINK=MYCP
Amex MRCC - americanexpress.com/en-in/referral/gold?ref=pRASHKUKd3&XLINK=MYCP
can we get infinia backed by fd , a secured card?
Yes. 10-12 lakhs fd
@@dugarniraj with no itr? students
Hi Niraj, I am now planning to switch my salaried account to HDFC from SC, but already I have Millenia which I have been using for around 8 yrs, so which credit card can I get from bank as LTF, they were saying that I might get Regalia gold and Diners Privilege, but since I already have Millenia can I ask them for any other better card
Why do you need ltf?
@@dugarniraj Credit card they are giving complimentary for opening salaried acc with them, so wanted a suggestion on taking good CC now
@@hemanthbn007 i have recently opened salaried account with hdfc bt didnt get any offer regarding credit card.. What to do now?
I think you have many cards and might have closed many also. Does owning many cards and closing card impact credit score negatively ?
Honestly, never checked my credit score
Hi Neeraj,
I am having regalia gold credit card. Is it possible to upgrade to infinia if I spend 7.5 lakh in 6 months or should I first request for DCB black and than infinia?
Plz suggest
You can directly, assuming your credit limit is >10 lakhs.
@@SudiptaSoumyadarshan
Credit limit is 5 lakhs
Hi Neeraj,
Kindly reply when u get a chance
@@faheemjnmc it is difficult with 5 lakhs credit limit. Ask your RM, he will need to get approval for it. Helps if you have any other relationship with hdfc. But it is possible.
@@faheemjnmcI checked with my RM..the new rule is if net sal is 5L...wil get it
I have biz black card? I have one as I’m a business owner
Awesome
I have hdfc millenia card now they provide me offer for upgrade into regallia gold for lifetime , plz help me what should i do , should i go to gold card to remain with millennia...
go for it if its free
@@dugarniraj I have millennia card they are forcing me to go for freedom is it good sir
Bro why don't you make some PPT
Everything above the head like
Or you can take pen and paper and see the video?
Or you can support me by either subscribing to newsletter or contributing to the channel memberships so that I can invest more in the channel? 😁
@@dugarniraj
Oh my
Just PPT
PPT
PPT
POWERPOINT PRESENTATION
doesn't cost you
A note book and a pen doesn’t cost you. My time has enough value buddy. I will continue to invest in the channel. Have started editing videos. Things will improve as channel starts giving me results over time.
@@dugarniraj
Ok bro go ahead
U are right
I Regret for not taking Tata Neu Infinity I got Plus and Infinity both 1st year free offer but I took Plus card thinking of 1499+gst annual fee for Infinity but I got Plus as lifetime automatically without any call to bank 🥴🥴🥴🥴 as of now all my cards and my family members HDFC cards are lifetime free 😂🤣😂🤣 I really love HDFC banking relationship 😁😁
When did you apply for it?
@@adityaprakash4497 2023 February i guess 🥹🥹🥲🥲
Infian vs atlas which is good
Regalia gold vs dcb metal for 7-9 lac annual spends?
Hi - DCB metal is better
Hello Sir
I am a salaried person with around 60k monthly and need a hdfc cc for daily spends so which card will be best for me?
Regalia
Did not get regalia gold ltf, but FYF, upgrade from LTF millenia. Everyone else got it as LTF the next month!
It’s fine. See the big picture
@@dugarniraj yea totally building up for infinia now.
Do the same video for AXIS BANK and ICICI CARDS, SBI CARDS
Got upgrade from Regalia first to Regalia Gold for life time free with club vistara and mmt black memebership😊
superb
Make a video on best rupay card
Can u explain more about fd credit card
yes ive done a video - ruclips.net/video/pxDviL3dHt8/видео.html
Diners club privilege not in the list ?, isnt it worth to have.. ? I got lifetime free
How you got it lifetime free I think it has 2500 renewal fee and joining fee
Hey I’m 20 and a student and I’m earning 5lakh/month can u suggest some credit cards?
Also my expenses are too much
Nice content but bring it under 10min
hard to keep all videos under 10 mins :) you won't get the value required
Considine Overpass
Infinia is the gost of credit cards across all cards and not only hdfc bank cards ffs mate.
Charity Spring
I need a amex travel card referal link
Amex gold card - americanexpress.com/en-in/referral/gold?ref=nIRAJDsWyR&XLINK=MYCP
Amex plat travel - americanexpress.com/en-in/referral/gold?ref=pRASHKUKd3&XLINK=MYCP
Amex MRCC - americanexpress.com/en-in/referral/gold?ref=pRASHKUKd3&XLINK=MYCP
Wolff Avenue
Aurelio Camp
Brown Glen
I hv more than 10 years of relationship with hdfc how do I get the card with salary 75k?? Pls advise
Write to them
@@dugarnirajSure, thanks a lot. I will write to them and will tell u the update. Thanku again
Getting regalia gold but have to give up my Millenia and want 1 cashback card..
SBI and hsbc live rejected
One of the worst credit card that is Hdfc credit card. Finance charges are very costly you can say indirectly loot.
Casper Green
You have only rated the big cards of the bank not the small ones so your title doesn't approve with the video. I would rate this video 3/5.
thank you for your kind rating and approval
Baumbach Meadow
Kyla Mills
Horrible video …you should review greeting cards instead of credit cards 😂
Robb Lights
Walter Circles
Schowalter Way
Johnson Passage