Rs 2 lakh worth earning from credit card reward points, here's how a techie working in Pune did it using these HDFC Bank credit cards
Let's start with BizBlack. This is a hidden weapon for freelancers, consultants & business owners. Why? Because it gives 5X points on tax & utility payments, including GST and advance tax and each point is worth Rs 1!
GST & Tax Payments Strategy
I paid my GST & advance tax using Bizblack
BizBlack gives 5X points on these
Monthly cap: 7,500 bonus points
Annual = 90,000 bonus points + base points
Academy
Empower your mind, elevate your skills
Base earn rate: 5 RPs per Rs 150
5X means: 25 RPs per Rs 150 (including base)
Max bonus: 7,500/month = 90,000/year
With base points: ~1,00,000+ points/year
Value: Rs 1 = Rs 1,00,000 saved or earned.
HDFC Infinia credit card strategy
Talreja says:
Let's talk about the beast --HDFC Infinia. Infinia is not just a premium lifestyle card, it's a reward-generating machine when you use it strategically with SmartBuy + GYFTR vouchers
SmartBuy + GYFTR = My Power Combo
Myntra vouchers (5X points) -Especially during Gold coin deals (8% off)
Pharmeasy vouchers (10X points) - For baby essentials
Blinkit/Swiggy Instamart vouchers (5X points) -For groceries
All bought via SmartBuy, giving huge bonus points.
Why Myntra was a double win
I bought Myntra vouchers via SmartBuy (5X points)
Used vouchers for gold coin purchases
Earned points + got coins at discount = Investment + Rewards
Infinia Point Mechanics
Base rate: 5 points per Rs 150
SmartBuy boost: Up to 10X (50 points per ₹150)
Monthly cap: 15,000 bonus points
Redemption value: ₹1 per point (flights/hotels via SmartBuy)
Yearly reward: 1,00,000 points = Rs 1,00,000 value
Key lessons
Use BizBlack for all tax payments
Use Infinia for all expenses via GYFTR vouchers
Hit monthly bonus caps only when you have expenses
Track your usage. Points = money.
Don't just swipe cards - strategize them
Vouchers may feel boring, but they multiply rewards
Even tax can be rewarding with the right credit card
This is how rich people use credit cards
Suraj Kumar Talreja, an data analyst who previously work at Standard Chartered Bank and is currently with V Square Systems in Pune, shared his journey of earning Rs 2 lakh in reward points from his HDFC BizBlack and Infinia credit cards over the past year. According to HDFC Bank website as of August 7, 2025, "1 Reward Point = Upto 1 Re".Talreja posted on X (formerly Twitter) on August 6, 2025: 'Here's how I earned 2,00,000 reward points in just 1 year worth a whopping Rs 2,00,000 using my HDFC BizBlack & Infinia cards. No overspending. Just smart planning. Here's a thread for anyone who wants to truly master credit cards.'Speaking exclusively to ET Wealth Online, Talreja said: "Credit cards are not for spending more; they're for earning more on what you already spend."Talreja said:That's over Rs 1,00,000 in reward value just for paying taxes you'd pay anyway.Taleja explains how he earned another 1,00,000 pointsI used Infinia for:Taleja explains: Recently, Myntra had 8% off on Gold CoinsTalreja says: 'This is next-level credit card usage'Talreja says: 'Without overspending. Just smart optimization.'Talreja says:
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