I am currently an HDFC Infinia credit card holder, and recently, my Relationship Manager reached out with an interesting offer. I’ve been offered the HDFC Biz Black Credit Card as an additional card lifetime free, with no joining or annual fees.
At first glance, the offer sounds appealing. However, there’s one key detail to consider the credit limit will be shared between both cards.
Prior to accepting, I wished to do my homework and learn about others who may have experience with this two-card arrangement. The following are the most significant questions I’m investigating:
- Is There a Downside to Shared Credit Limits Between Cards?
Having two cards with a common limit may limit spending flexibility. For instance, using one card for large purchases reduces the available limit of the other proportionally. It’s worth considering your own spending patterns and whether a common limit would present any constraints.
- Effect on Credit Score and Reporting
Would having both cards (with a combined limit) influence your credit score, credit utilization ratio, or credit bureau reporting? From what I’ve learned so far, the combined limit is reported, so utilization probably won’t fluctuate significantly. But I’d like to hear from those with actual experience.
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Does the Biz Black Provide Any Additional Value Over Infinia?
The HDFC Biz Black is a premium business credit card. It’s worth knowing:
Does it have superior or distinctive rewards compared to Infinia?
Are benefits or business-centric features of airport lounge access substantially different?
Any merchant offer, travel benefits, or spend-based rewards exclusive to the Biz Black? -
Any Hidden Fees or Charges to Be Aware of?
Though the card is advertised as “lifetime free,” I would like to verify if there are any concealed expenses, including:
Forex markup fees
Add-on card charges
Steep interest costs or transaction fees
Some insights into the fine print would be highly beneficial. -
Is Anyone Using Both HDFC Infinia and Biz Black Together?
If you’re presently both using the cards simultaneously:
How has it been for you?
Do you really derive usefulness in carrying both?
Any particular application for which Biz Black excels Infinia?