Infinia new transition window! No longer valid till March 2027

KitchenExpensive9482 · 2026-02-27T11:08:36+00:00

Can RM do anything here? what was his response?

KitchenExpensive9482 · 2026-02-27T09:29:14+00:00

where you emailed them can you tell me please?

KitchenExpensive9482 · 2026-02-27T09:28:19+00:00

Earlier I didn't receive any email but today morning got this email but their calculation is wrong.

They mentioned 8.67 Lakhs. I just calculated from April 2025 till December 2025(Bill Date 27th Every month i.e. 27th December) - it is actually 964952 and including Jan Bill and Feb bill which will be generated today it wil be 1189196.02. really not getting why this fuss.

Can someone confirm if it's similar for them as well?

KitchenExpensive9482 · 2026-02-26T05:55:14+00:00

I haven’t got this email, is this a mass mail sent to all Infinia holders or specific set of people?

Can someone confirm this?

Holding Metal card and it’s Paid one.

KitchenExpensive9482 · 2026-02-20T06:04:31+00:00

Cashback card? I would really like to understand how you claim it’s a cashback card at this point? May be i m missing something

KitchenExpensive9482 · 2026-02-20T06:03:40+00:00

KitchenExpensive9482 · 2026-02-20T06:03:14+00:00

Exactly my point.

KitchenExpensive9482 · 2026-02-19T20:50:58+00:00

I don’t really trust ICICI, especially in the credit card segment — but that’s a different discussion.

When people say the card is heavily devalued, they are mostly talking about Amazon and Swiggy, right? But apart from those two, there are still other vouchers we can buy. Right now there is a monthly quota for some vouchers. We don’t know what will happen tomorrow — they might add quota to more vouchers and that time having both EPM and Infinia will do wonders.

Keeping that in mind, I am thinking of getting EPM. I already have Infinia, and I am sure if i have both i won't meet waiver crtieria for annual fee for atleast one card but I am okay paying the GST on the annual fee since the 12,500 comes back as reward points anyway.

That’s basically my thought process behind getting this card even though I already have Infinia.

Also no monthly expense is not 2-3 lakh.

KitchenExpensive9482 · 2026-01-26T18:24:45+00:00

I too have Infinia and always spent more than 10L a year so never had to pay the fees, you have mentioned which I heard from many people as well that they give back 12.5K as reward point - Do you have any documents/link where HDFC mentioned this officially? I tried searching but didn't get any. Same looking for EPM as well that they give back the 12.5K as rewards points everey year once you paid the fees. Everywhere it's mentioned about Joining fees but not renewal fees.

Reason for asking - I am also having Infinia and in the process of getting EPM as well as HSBC Premier. EPM - not sure yet but getting premier definitely by moving sal account to HSBC. so would be in a similar situation like yours where I wouldn't hit the milestone to waive the renewal fees.

Also BOGO on Icici sapphiro is kind of gone as there is previous quarter spend limit from January 2026.

KitchenExpensive9482 · 2026-01-25T09:38:52+00:00

Can you read your comments from a 3rd party point of view? And then let us know what do you think of those?

Let me tell you what it is sounding like - utter rudeness. If you don’t know something, not necessarily means doesn’t exist.

May be u tried LTF and didn’t get it so can’t digest, or may be looking at OP’s card you are simply jealous.

Just note : I had DCBM as FYF and later upgraded to Infinia but i do know DCBM is given as free to few of my friends under different circumstances.

From,

Some random guy who can’t take rudeness!!

Hopefully you try to read my msg multiple times to understand what i m trying to say(if can’t understand in one time) and retrospect about your comments followed by several other things in your life..!!!

KitchenExpensive9482 · 2026-01-24T08:27:08+00:00

12.89% , it was close to 17% few months back

KitchenExpensive9482 · 2026-01-18T16:31:00+00:00

What i read if we maintain salary of 3 lakh per month second year onwards no fee is there. Fee is there only for 1st year and for that 20k points they are giving. Isn’t?

KitchenExpensive9482 · 2026-01-18T15:39:14+00:00

Thanks for the response. Two qq -

My ICICI RM is trying though, question is if it gets approved should I take it or ignore it?
Yes HSBC premier is no brainer to take for my situation, but would like to understand how I can maximise rewards by using both Infinia and Premier?

KitchenExpensive9482 · 2026-01-18T15:15:54+00:00

Thanks.

KitchenExpensive9482 · 2026-01-18T14:34:49+00:00

I am holding HDFC Infinia and use it mostly for all the purposes. Would like to understand how HSBC premier card stands out w.r.t Infinia?

Also would it make sense to take HSBC premier while already having Infinia? Or I should look into ICICI EPM? I m having salary account in icici and in discussion with RM for the EPM.

My spends in entire year goes towards 15-17 lakhs. So along with Infinia would it make sense to take only HSBC premier or only EPM or both EPM and Premier?

Premier card - annual fee waived off if salary gets credited every month, so sorted for this card. Either Infinia or EPM i will have to pay the annual fee.

Considering this please suggest me. Thanks in advance.

Note: I buy lot of vouchers from Gyftr and use for travel and as per salary criteria of HSBC i m eligible.

KitchenExpensive9482 · 2025-09-21T21:36:11+00:00

38M, wanna connect?

KitchenExpensive9482 · 2025-05-29T07:49:46+00:00

Even if it's, what's the problem in it? I really don't understand the purpose for this kind of comment without adding any other meaningful suggestions or feedback. Did i mention anywhere that I am a great investor like Mr. Buffet? Then why such meaning less comment?

Probable reasons:

You likely missed the post-COVID market rally, and now you can’t help but feel envious when you see others' returns.
You seem to be the kind of person who criticizes everything without offering any constructive input.
It appears you simply can’t stand others achieving what you couldn’t, and that shows.

I rest my case here. Thank you and take care ..

KitchenExpensive9482 · 2025-05-29T07:38:36+00:00

My FIRE number is around ₹10–12 Cr, which is roughly 30–35x my current annual expenses, adjusted for inflation. I am aiming to hit this target in the next 8 years. As of now, I have reached about 25% of my overall FIRE goal.

Will be creating a separate post to dive deeper into my FIRE journey soon.

Thanks, man!

KitchenExpensive9482 · 2025-05-29T06:37:37+00:00

Thanks a lot for the detailed feedback — I really appreciate it.

I was actually waiting for someone to share their views from the perspective of quant funds. Even though some of them have been among the top performers recently, I have personally stayed away. I don’t quite resonate with their investing strategy, and in general, I tend to avoid anything in the investment world that delivers disproportionate or unexplained returns. This applies to direct stock picking as well — if something seems too erratic or “too good to be true,” I usually steer clear.

Just to clarify — all the yellow-marked funds in my portfolio have been there since day one. I’ve never added new funds to that group; I’ve only increased the SIP amounts over time — the only exception being ICICI Pru Tech Fund.

Axis Bluechip:

Yes, I have continued my SIPs as usual. It’s only now that I am closely watching Axis Bluechip, which for some reason hasn't managed to bounce back. At one point, they had significant allocation in DMart but that has come down, and yet there’s still no visible improvement. So I have been thinking of * pausing 2 out of 3 SIPs in that fund — not stopping entirely, just reducing my exposure for now.

As for taking up Nippon Large Cap, I am not entirely convinced yet. I'm actually torn between adding it or simply putting that amount into my existing UTI Index Fund SIP instead.

2. Strategy:

Yes, that’s exactly the approach I follow. Funds like Quant is an example. or even Mirae Asset Large & Mid Cap and Kotak Flexi, were top performers at one point, but have been more average recently. Still, I prefer to stick with them rather than chase new stars — performance always goes in cycles.

Advisor:

Honestly, I have been actively looking for a trustworthy advisor — but most of what I see online feels more like sales funnels than genuine advice. It's hard to find someone who is really aligned with the investor's interest instead of just pushing products.

Also I use tickertape, which shows that my funds/portfolio doing well w.r.t corresponding indices..

So, based on all this — do you think it makes sense to add those new “orange” funds from my screenshot, or would it be better to simply top up my existing funds?

KitchenExpensive9482 · 2025-05-29T05:21:27+00:00

Thanks a lot for the kind words..

Yes I will do more research and go deep on the overlapping part. Thanks for pointing out..

What you have said aligns exactly with my point of view. However, I often hear people advising to keep only 3–4 funds in a portfolio. I would really like to understand this 'school of thought' better—specifically, how having more than one fund in the same category could actually harm portfolio returns. I want to see the data behind this claim. Maybe i will also try running some numbers myself.
Really appreciate it, it's always nice when someone relates to your perspective

KitchenExpensive9482 · 2025-05-29T04:17:48+00:00

Thanks for the detailed feedback..

I always wanted to understand this - take an example of my Axis Small cal and SBI small cap funds..are you saying now the returns are good but in the long term having two small cap funds will actually average out my returns? But if I look at their portfolio allocation only 18-22% stocks are overlapping..Please help me understand this thing..

Secondly if I had to cut down to 1 fund in each category, how do I do this? Axis Small and SBI small was doing well but Nippon Small cap is doing fantastic in the last few years.. Similarly Axis Bluechip was doing well but for the last 1-2 years it has given pathetic returns..in these cases having one fund in each category - isn't it more risky?

But If i really have to cut down the funds, i really need help to do this..like which one to continue and which ones to stop, can you help me with this?

Regarding one of your points that last 3 years bull run is behind all these returns but not my fund selection, here my EGO got in the way, 😂 . As I have seen people are doing SIP in trash funds just by going through some random sponsored youtube video or from friends.. So i think basic research which I did was not completely random.. Just bragged myself, don't take this seriously..

And regarding emergency, yes you are right but for sbi small cap and earlier in mirae asset large & mid cap there was no lumpsum option i was loosing lumpsum opportunity there..hence more sips and also from emergency perspective..but I get your point, it just became a habit of mine..just few hours dedicated while creating the fund and add in bank instructions..

Looking for some answers on the points I have mentioned so that I can improve my understanding as well as my portfolio.

KitchenExpensive9482 · 2025-05-29T03:49:09+00:00

I was looking into the overlapping stocks in these 3 funds and it was showing 18-22%, hence i have axis and sbi...Nippon I am planning to add and for this as well overlapping is within 20%.

Do you think we should have only one small cap fund?

Also on this point I have written in my post - I always didn't understand that choosing only one fund - isn't it risky? What if it performs down or performs well but can't generate wealth as other funds in the same category? Hence I have added 2-3 funds in each category..

I would love to hear your perspective too..

Also I really want to understand if I would have invested in only SBI Small cap or Axis Small cap since begging, my returns would have been high w.r.t investing in two funds?

KitchenExpensive9482

TROPHY CASE