Wealthy Mindset

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Tag: Credit cards

HDFC Infinia metal card

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

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.

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

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.

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

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.

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