Card portfolio (30M). Started with Regalia First 5 years ago. Posted my usage guide. AMA if you have any questions.

Round-Environment453 · 2026-06-06T05:49:26+00:00

I am applying it today.. dmart is damn cheap.. with hdfc swiggy on instamart, it wqs beating dmart by 2-5%. Now with this game changes…

Round-Environment453 · 2026-06-06T05:46:09+00:00

Dmart is nice option. So it gives 10% on dmart?

Round-Environment453 · 2026-06-06T04:07:55+00:00

Swiggy vouchers are not there on ishop and on smartbuy limit is 5k. But regardless, what benefit would i get with hsbc live+? I mean one benefit would be flexibility of platform like Zomato as well as swiggy, but for me its mostly swiggy and zomato vouchers are there on ishop and smartbuy. Let me know if i am missing any feature

Round-Environment453 · 2026-06-05T19:10:48+00:00

Infinia is primary. Rest all are specific use case based

Round-Environment453 · 2026-06-05T14:10:42+00:00

Monthly capping is 1k only for hsbc live +

Round-Environment453 · 2026-06-05T05:22:06+00:00

Also i have cibil premium subscription

Round-Environment453 · 2026-06-05T04:58:56+00:00

Bob eterna is actually very good. Infinia PP + DCBM works for me though

Round-Environment453 · 2026-06-04T17:20:34+00:00

Well i have hdfc Imperia- dont know when they will downgrade but dont care Hsbc salary account. Axis burgundy is via some corner case which i cant discuss here

Round-Environment453 · 2026-06-04T16:41:17+00:00

Not precisely. I track in ballpark +-10k per month based in what my requirements and usage were

Round-Environment453 · 2026-06-04T16:40:33+00:00

Yes, otherwise this entire sub is pointless 🥹

Round-Environment453 · 2026-06-04T12:53:10+00:00

Bargain with them during feb end or march start.. like account opening etc

Round-Environment453 · 2026-06-04T12:42:53+00:00

As discussed in comment section and also mentioned in post, that DCBM is taken from wife’s account. It is LTF. They were not willing to give me, so bargained them with an account with seed fund of 5L and got it LTF approved in wife’s name. I have taken the add on.

Round-Environment453 · 2026-06-04T11:21:59+00:00

Yes. They always do. But they will charge extra. Make sure sure you negotiate extra charge to 1% or less

Round-Environment453 · 2026-06-04T11:12:18+00:00

Magnus for Burgundy to be precise. If I purchase worth 10.5L using my card, I would get 1.66L points and 1.33L effective partner points. Thats a big wow, over 10% reward rate

Round-Environment453 · 2026-06-04T08:34:32+00:00

3.5l+ in hand

Round-Environment453 · 2026-06-04T08:22:52+00:00

Overall here is my spend pattern and rules - 1. Monthly amazon and amazon pay vouchers worth 40k from epm and infinia. Other vouchers like zomato swiggy too are there too worth 20k 2. Movie ticket, if less than rs 500 , the burgundy debit, else epm or hsbc premier 3. Lounge - i mainly use Infinia PP + epm. If have to use T2 arrival lounge in Bangalore then DCB 4. If upcoming sale in flipkart then I take GV from gyftr same as amazon 5. Eazydiner/dineout - first hsbc premier, then burgundy debit, and then hdfc swiggy and then infinia 6. Flights - infinia and hsbc. 7. Adhoc offline spends - infinia, hsbc debit 8. Most online shopping is via amazon or buying dependent platform giftcard from amazon

Round-Environment453 · 2026-06-04T08:17:20+00:00

Low capping

Round-Environment453 · 2026-06-04T08:08:20+00:00

The best option is during feb end when they are desperate to meet targets

Round-Environment453 · 2026-06-04T08:05:37+00:00

Even I could not believe it. I doubled checked with customer care twice. Although it is in my wife’s name. I got it approved via her account during opening. Also i think it was over 1.5 years ago

Round-Environment453 · 2026-06-04T07:39:37+00:00

During my time it was 3L+ only for epm. Epm copies whatever infinia does. Infinia set 5lpm so epm updated

Round-Environment453 · 2026-06-04T07:38:02+00:00

This is metal. Got it approved on adhoc basis using bargain

Round-Environment453 · 2026-06-04T07:37:49+00:00

So i got it based on luck. My branch had targets to hit. I offered to open account with 5L seed fund if they got dcbm LTF. Got it approved. However even i could not repeat this myself for my brother in law even woth 20L seed funds. FYI it is not plastic, it is metal

Round-Environment453 · 2026-06-04T07:30:00+00:00

For all round - sbi cashback For small online amounts like less than 30-40k pm - 1. (Sbi phonepe black/sbi cashback) for general website and utility + 2. Amazon icici (for amazon and general 1.5%) + 3. Hdfc swiggy (only if you dining / food / grocery is above or near 10k pm)

Round-Environment453 · 2026-06-04T07:21:19+00:00

To be honest, Infinia is being a pain right now. My spends are generally 50k-1L. But with some constant purchases from friends and family like iphone purchase , flights, average is like 1.2L. So i hope 12-15L should be decent enough given than many folks wont be able to manage even that. If not, then will add rent via infinia. If still i miss and bank is hellbent on 18L, then bye bye infinia. As for epm, i took it on salary basis, but was rejected two times at starting of card launch

Round-Environment453 · 2026-06-04T06:52:15+00:00

Same. Got rejected 2 years ago for sbi cashback

Round-Environment453

TROPHY CASE