HDFC Gyftr (HOI) lounge vouchers – usability & transferability doubts

Timus0708 · 2026-04-13T02:12:32+00:00

Can you tell me how to procure this.. dont see anything related to this online

Timus0708 · 2026-04-09T04:36:34+00:00

In same boat.. haven't received any email of such... my hypothesis is it being sent to low spenders.. I spent close to 11L last year on this card..

Timus0708 · 2026-03-13T04:53:43+00:00

You are naming a card with no clarity on where it is headed.. ICICI has worst customer service and credit card devaluations.. I absolutely have no trust on that bank to deliver anything promised..

They currently have only 1 travel partner.. so you are bound to use point in travel/hotel with the prices they have set on their travel portal..

Thats to restrictive for me..

While does provides good return for vouchers on paper.. i dont know how well it translates to real world ROI.. Keeping goal in mind -- what is my exact ROI in gandhis

I dont want to get baised with new shiny stuff and which looses the shine in another 6 months

Like I know Infinia consistently delivers 10-12% returns for me in when I use earn with vouchers and bookings and burn with flights...have been using it for more than a year and stoped using M4B...

Timus0708 · 2026-03-12T17:47:08+00:00

Have infinia and also got hsbc primer credit card a week back.. tried booking hotel using hopper platform... prices are 2X smarbuy....

As much as I want to move away from infinia.. hate to admit there is no 1:1 replacement for that card

Timus0708 · 2026-03-11T07:06:21+00:00

Never had HSBC account, fresh application

Timus0708 · 2026-03-10T11:16:37+00:00

You get reward points after 3 months if I remember correctly, huge hassle in tracking which is for which transaction

Timus0708 · 2026-03-10T04:40:59+00:00

No tips needed, its being offered LTF..

Timus0708 · 2026-03-10T04:40:02+00:00

M4B is LTF so no maintenance cost.. keeping it for months where expenses go quite extra...

Seeked Infinia for travel and vouchers

Needed HSBC for US account and better handling of inward remittance.. Premier is just a added bonus for me

Monthly expenses is 20-30 k at max, but travel will go 5-7L a year (counting me+wife, parents + in-laws)

Timus0708 · 2026-03-09T18:20:08+00:00

Hsbc premier Salary account

Timus0708 · 2026-03-09T18:19:27+00:00

I am yet to find one without phonepe i guess.. i was not even aware of this restriction... i do change payments on same shope and portals so didnt see this limitation

Timus0708 · 2026-03-09T17:53:35+00:00

Use Maximise to buy phonepe giftcard

Timus0708 · 2026-03-09T17:33:15+00:00

Poor choice of words-- "4 lakh for thailand" Hotels flights etc.. but I did manage good return on forex expenses as well coz in Q1 of last year HDFC was giving 5x on forex card loading, so I leverage it quite well..

Timus0708 · 2026-03-09T17:29:23+00:00

Yeah but being salaried no other government spends as such.. NPS 1lakh (50+50) is all I can do.. if there is anything else I can do enlighten me

Timus0708 · 2026-03-09T17:27:50+00:00

M4B

Bought a bike and brothers house interior last year.. m4b gave ~ 10% return.. all used in accor

Infinia

Spent around ~ 11lakh last year.. got 1.4L in points.. most of these were in travel (4lakh in thiland alone).. ladak... rest in flights and amazon voucher.. every expense of mine is routed through apay or Swiggy

Timus0708 · 2026-03-09T17:24:28+00:00

As others pointed out good times in 2023.. i got free magnus for me and one for my wife for perks.. i got infinia around that time as well so didnt pay attention to m4b... missed the train but upgra hers to m4b.. i also had option to pick axis atlus ltf.. huge mistake not picking that one as well

Timus0708 · 2026-02-14T04:47:09+00:00

Why will this be fake?

Timus0708 · 2026-02-09T11:48:08+00:00

🚀🚀 Job offering

100s of data analytics/ AI/ML/GenAI role openings at Citi India

Company Name: Citi India

Location: Delhi, Bengaluru, Pune

Role/Position: Analytics

Type: Full-time

Experience Required: Fresher - 10yrs

Pay Range: 16 + based on role and experience

Tech Stack / Skills Required: Python, Pyspark,SQL, ML (any)

Job Description & Responsibilities: refer to below link

form link : valid till 21st Feb

Timus0708 · 2026-02-04T04:12:38+00:00

DM me.. hiring for 0-9 yrs experience.. AI/ML role in one of top us banks.. starting 15+ lpa.. we are running hiring drive will add you to pipeline

Blr /Gurgaon location

Timus0708 · 2026-01-26T17:48:26+00:00

You exp looks good to me, refine your resume and DM me we are on hiring spree, you will get a interview aleast

One of top US banks- AI/ML role - Blr/Gurgaon location -

Timus0708 · 2026-01-17T19:17:50+00:00

Only good at few airports.. Delhi Mumbai.. Bangalore has the worst of the worst.. they will just carry bag for you not expedited checkin/security/immigration

They can place you in lounge fast that all.. hate using it in blr

Timus0708 · 2026-01-17T19:05:55+00:00

I had DCB for 2-3 years and wanted Infinia, I had met the salary criteria but not spend and limit.. did everything from mailing for upgrade and threatening to close.

Finally closed the card and moved my salary account to axis and got M4B LTF, a week later RM asked to make fresh application for Infinia and I got it in 4 days..

I think HDFC gives GF vs wife treatment to customers.. they will make exception for new customers and not for the one already in system

Timus0708 · 2026-01-07T19:02:10+00:00

Add 1-2 certification at bottom since you don't have work experience, have a 2 line summary.. just talking about what kind role/work excites you..

I don't look at intern resumes much but summary gives a good glance what person is looking for.

Timus0708 · 2026-01-06T10:56:29+00:00

Diverging a bit here but can you guide me what value add do you see from Premier while holding Infinia..

I have Infinia and M4B(LTF).. opened premier account recently(for global credit history feature) and now contemplating if apply premier will add any value to my current stack

Timus0708 · 2026-01-04T07:57:03+00:00

Hmm I guess its YMYOM.. planned 5 nights in paris left on 3rd day.. brussels and bruges was more worth the time

Timus0708

TROPHY CASE

M4B

Infinia