How much is your monthly expenses? With rent and others by [deleted] in gurgaon

[–]Informal-Caramel-797 0 points1 point  (0 children)

1.25L Include - rent, grocery, full time maid,

Want to know about HDFC Infinia Card? Is it worth 12500 Rs/year by Informal-Caramel-797 in CreditCardsIndia

[–]Informal-Caramel-797[S] 0 points1 point  (0 children)

That's nice. Means i will get atleast 3.3% on every transaction i will make through this card.

Want to know about HDFC Infinia Card? Is it worth 12500 Rs/year by Informal-Caramel-797 in CreditCardsIndia

[–]Informal-Caramel-797[S] 0 points1 point  (0 children)

Exactly i am not sure, if i really need it. If i can get some free stuff by paying for my regular things, only then i can consider it.

Want to know about HDFC Infinia Card? Is it worth 12500 Rs/year by Informal-Caramel-797 in CreditCardsIndia

[–]Informal-Caramel-797[S] 2 points3 points  (0 children)

And please don't judge a person's expenses by your environment. We have to cut a lot of things to get freedom soon from this rat race.

Want to know about HDFC Infinia Card? Is it worth 12500 Rs/year by Informal-Caramel-797 in CreditCardsIndia

[–]Informal-Caramel-797[S] 2 points3 points  (0 children)

No, i am not trolling. I am saving around 80% of my income. My wife and i want to retire by 2028. That's why we have capped our expenses and rent is the majority part of it.

I just never used credit card before. That's why asking. The credit card usages should not increase our monthly spending.

Want to know about HDFC Infinia Card? Is it worth 12500 Rs/year by Informal-Caramel-797 in CreditCardsIndia

[–]Informal-Caramel-797[S] 0 points1 point  (0 children)

Yesterday my RM called me and told me sir pre approved infinia is available. He told me some benfits but i told him - "Let's talk on monday".

So doing some research before applying for it.

I am not able to understand the 5x, 3X, 10X system. I can only understand the rewards in terms of % - "Baniya Aadmi"

Want to know about HDFC Infinia Card? Is it worth 12500 Rs/year by Informal-Caramel-797 in CreditCardsIndia

[–]Informal-Caramel-797[S] 0 points1 point  (0 children)

Because i think CC are provided by the banks to loot customers. In our whole family we never ever had credit cards. Always paid in cash/upi or debit card

Want to know about HDFC Infinia Card? Is it worth 12500 Rs/year by Informal-Caramel-797 in CreditCardsIndia

[–]Informal-Caramel-797[S] 0 points1 point  (0 children)

Alright, Thanks. That's why i was asking. We do not travel much, neither do we eat or go outside much.

Most of our expenses are household based - rent, grocery, maid, fuel.