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:
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
New Indian Express
13 minutes ago
- New Indian Express
Parliament panel slams govt for keeping MGNREGS funding static at Rs 86,000 crore since 2023–24
NEW DELHI: A parliamentary panel on Monday criticised the government for not increasing the allocation under the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS), expressing concern that funding has remained static at Rs 86,000 crore since the revised estimates of 2023–24. In a report tabled in Parliament, the Department-Related Parliamentary Committee on Rural Development and Panchayati Raj stressed that the effective implementation of the scheme hinges on 'timely and adequate' funding. 'The Committee is concerned to note that the allocation has remained unchanged since the 2023–24 revised estimates,' the report stated. It added that given MGNREGS's role in providing employment to rural and marginalised communities, consistent funding is essential for uninterrupted implementation. The panel questioned the government's rationale behind the stagnation in allocations, particularly for a demand-driven scheme like MGNREGS. It reiterated its earlier recommendation to reassess funding needs and raise allocations at the revised estimate stage if necessary. In its response, the Department of Rural Development (DoRD) maintained that fund disbursal is a 'continuous and demand-driven process,' and assured that the Centre remains committed to ensuring timely fund availability in coordination with the Ministry of Finance. The committee, however, dismissed the reply as 'stereotypical' and lacking seriousness, noting it merely outlined procedural aspects without addressing the core funding concerns. 'The Committee feels an immediate need for greater coordination between the DoRD and Ministry of Finance to ensure seamless implementation,' the report said. It reaffirmed its call for increased allocation to meet the scheme's objectives. According to budget data, Rs 89,153.71 crore was spent on MGNREGS in 2023–24. However, allocations for 2024–25 and 2025–26 remained fixed at Rs 86,000 crore each.
NDTV
13 minutes ago
- NDTV
Delhi To Organise It's First Industrial Ideathon, 652 Student Teams To Participate
Delhi's Industrial Ideathon 2025: The race to solve Delhi's toughest industrial problems has officially begun and the city's students are all in. In a first-of-its-kind Industrial Ideathon, a staggering 652 teams from top universities have signed up to take on challenges that range from untangling last mile logistics to helping small industries embrace Industry 4.0 technology. The contest, organised by the Delhi State Industrial and Infrastructure Development Corporation (DSIIDC) in partnership with Netaji Subhash University of Technology (NSUT), has prizes worth Rs. 40 lakh on the line, but the real draw is the chance to pitch ideas directly to the people who shape policy and business in the capital. On August 13, NSUT will turn into an innovation war room as 124 shortlisted teams step into an intense eight-hour challenge. They'll tackle live problem statements, streamlining supply chains, making it easier to do business, integrating cutting-edge tech into small units, and helping MSMEs access finance and markets. The best 40 will earn a spot in the grand finale on August 22. Industries Minister Manjinder Singh Sirsa says the massive turnout proves young Delhiites are ready to get their hands dirty solving real problems. "This overwhelming participation is proof that Delhi's youth want to be part of shaping our industrial future. They're ready to solve the real-world problems our businesses face every day," he said. Sirsa calls the initiative a bridge between classrooms, factory floors and government offices. "Students get to work on live problems with measurable impact, while policymakers gain fresh, actionable ideas straight from the country's brightest young minds. This is policy by participation in its truest form," he said. With over one lakh impressions on the official portal and more than 2,000 sign-ups during registration, the ideathon is already making waves beyond campus walls. All participants will get certificates, while winners will be felicitated by senior dignitaries at the closing ceremony. If the excitement around this debut edition is any indicator, Delhi's industrial policy may soon carry the fingerprints of its youngest problem-solvers. Students may visit for updates.
Time of India
21 minutes ago
- Time of India
SRFDCL to redesigns riverfront food plaza to tackle pollution
Ahmedabad: The Sabarmati Riverfront Development Corporation Ltd. (SRFDCL) has decided to alter the design of its upcoming Riverside Savouries food plaza on the western bank of the river to prevent littering in the Sabarmati river. Tired of too many ads? go ad free now Originally, the open-air layout raised concerns that visitors on the lower promenade might toss waste directly into the river. To address this, SRFDCL will redesign the facility with a dome or covered structure. The revised design will lead to the issuance of a fresh Request for Proposal (RFP), replacing the one announced on Feb 7. The earlier RFP invited bids by March 10, with technical bids set to open on March 11. That process is now on hold until the design changes are finalised. The project site spans 27,000 sq m opposite BJ Park, between Nehru Bridge and Ellis Bridge, with the food plaza and amenities planned over 6,300 sq m area. Under the updated guidelines, fast-food outlets, non-vegetarian restaurants, and chains with more than three outlets in Ahmedabad or Gandhinagar will be barred. Bidders may, however, collaborate with national or international brands. The Ahmedabad Municipal Corporation (AMC) has earmarked Rs 50 crore in its 2025–26 budget for the western bank's Riverside Savouries. The food plaza is among several high-profile projects in the pipeline for the riverfront. SRFDCL has already issued tenders for development rights to build a 16-storey, 200–300 room five-star hotel and a convention-exhibition centre behind Tagore Hall. In Dec 2024, the AMC's standing ccommittee cleared a Detailed Project Report (DPR) for a Rs 792.50 crore Convention, Cultural, and Business Centre in Paldi. A Rs 500 crore state grant has been sought, with AMC funding the remaining Rs 292.50 crore. Tired of too many ads? go ad free now Plans for the 40,200 sq m site include a dome and theatre, hotel, convention centre, and performing arts theatre. Tenders are also underway for a Tropical Forest project on the western bank, while SRFDCL has approved a Rs 23.53 crore Meditation-cum-Yoga Centre in the same area. Head: Opposition slams BJP over failed initiatives Ahmedabad: Several ambitious projects launched on the Sabarmati Riverfront have either been shut down or remain defunct, alleged Leader of the Opposition in the Ahmedabad Municipal Corporation (AMC), Shehzadkhan Pathan. Pathan pointed out that the zipline project, which began on March 21, 2015, has been closed for several years, while the seaplane service, inaugurated on Oct 31, 2020, also ceased operations after a brief run. Similarly, the helicopter rides, introduced on Jan 1, 2022, were discontinued within months, and the kayaking water sports facility, launched on March 31, 2023, has remained shut for the past two years. He further alleged that several promises made for the Riverfront's development—such as constructing multi-storied buildings, business hubs, and entertainment zones—have not been fulfilled. "Many of these projects were announced with great fanfare but now stand as abandoned dreams," Pathan remarked.
