Credit and lending – Wealthy Mindset

HDFC Infinia Lives On: Why the Deval Doesn’t Kill Its Premium Power

January 15, 2026

The HDFC Infinia credit card has stirred significant discussion due to recent changes in its reward system, notably reducing accelerated points on Gyftr vouchers from 5x to 3x, effective January 16, 2026. Critics argue this devaluation lowers returns from 16.6% to about 10%, prompting concerns over the card’s viability. However, a closer inspection reveals that Infinia still offers substantial value through benefits like unlimited lounge access, travel perks, and flexible redemption options. Despite some drawbacks, Infinia remains competitive in the ultra-premium segment, appealing especially to users prioritizing comprehensive premium services over high-yield vouchers.

Credit cards, HDFC Credit Card Benefits, HDFC Infinia, HDFC Infinia Devaluation, Infinia Credit Card Review 2026, Infinia Devaluation, money mindset, personal finance, reward points, SmartBuy Gyftr Vouchers

Navigating the Risky Waters of Alternative Investments

May 2, 2025

Alternative investments such as invoice discounting, angel investing, crowdfunding and peer-to-peer lending can be riskier and more complex than traditional investments. Retail investors should consider their overall investment goals, risk tolerance and expertise before adding these investments to their portfolio.

Alternative Investments, Angel Investing, crowdfunding, diversification, Invoice Discounting, Peer-to-Peer Lending, risk management

Your CIBIL score matters: Avoid these mistakes to keep it high

October 15, 2023

Your CIBIL score is a crucial factor in your creditworthiness and financial stability. It is used by lenders and financial institutions to assess your credit risk and determine your eligibility for loans and credit cards. But what can you do to maintain a good CIBIL score? In this article, we’ll explore five mistakes to avoid in order to keep your CIBIL score high. From missing payments to maxing out your credit cards, these mistakes can all have a negative impact on your score. Be sure to avoid them in order to access credit and financial products at favorable rates and terms.

cibil error, cibil report, CIBIL score, credit, Credit cards, creditworthiness, finance, loans, unsecured loans

5 powerful ways to think about money using first principles

August 7, 2023

Are you looking to make better financial decisions and achieve your financial goals? Thinking about money in first principles can be a powerful way to do so. In this article, we’ll explore 5 ways to think about money using first principles, including understanding your values, understanding your financial situation, making a plan, taking control of your spending, and investing in your future. Don’t miss out on the opportunity to master your finances – read on to learn more!

financial decisions, financial goals, Financial planning, financial success, first principles, investing, money, personal finance

5 ways to improve your finances and build wealth in the new year

January 1, 2023

As the new year begins, many people are thinking about ways to improve their finances and build wealth. From setting financial goals and creating a budget, to investing in your education and automating your saving and investing, there are steps you can take to set yourself up for success. In this article, we’ll explore five strategies for improving your finances and building wealth in the year ahead. By following these tips and taking a proactive approach to your financial planning, you can take control of your finances and set yourself up for a bright financial future.

Budgeting, finance, financial goals, Financial planning, investing, investment, money mindset, personal finance, saving, wealth

The Benefits and Risks of Credit Cards: How to Make Them Work for You

December 15, 2022

Credit cards can be a valuable financial tool, but they can also be a source of financial strain if not used responsibly. In this article, we will explore the pros and cons of having credit cards, as well as some tips for managing and using them to your advantage. By setting a budget, paying off your balance in full each month, choosing the right card, and using your credit card wisely, you can take advantage of the benefits of credit cards and avoid potential pitfalls. By managing your credit card effectively, you can help achieve your financial goals and improve your overall financial health.

Budgeting, Credit cards, Credit score, Debt, debt trap, Financial management, Financial planning, Interest rates, Overspending, personal finance, Rewards, wealth, wealth mindset

Welcome to WealthyMindset.org

December 9, 2022

Welcome to the Wealthy Mindset blog! We are dedicated to helping you achieve financial success and build wealth by developing a positive and proactive attitude towards money. On this blog, you will find articles, tips, and advice on a wide range of topics related to building wealth and achieving financial success. Our goal is to provide you with the knowledge, tools, and support you need to develop a wealthy mindset and take control of your financial future. We hope you will join us on this journey and become a regular reader of the Wealthy Mindset blog. Together, we can achieve financial success and build the wealth and security we desire.

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