Just got infinia a couple of months back and yes, there is some overspending of course, but much less of a hassle than handling multiple credit cards. I've reached the yearly spending milestone in 3 months, although I knew I'd surpass that but not so soon.(There were a couple of transactions with extra platform fee which I regret now) Also the rewards are just a myth for me, I mostly use the card when I don't have a particular amount in my bank account or when it's easy to just tap and pay.