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Time of India
4 days ago
- Business
- Time of India
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
HDFC BizBlack reward points strategy 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 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:
Economic Times
4 days ago
- Business
- Economic Times
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
ET Online Pune techie shares his strategy by which he earned Rs 2 lakh worth of credit card points using two HDFC Bank 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." HDFC BizBlack reward points strategy Talreja said: 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 That's over Rs 1,00,000 in reward value just for paying taxes you'd pay anyway. Point Calculation for HDFC Bank BizBlack credit card 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 Taleja explains how he earned another 1,00,000 points SmartBuy + GYFTR = My Power Combo I used Infinia for: 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 Taleja explains: Recently, Myntra had 8% off on Gold Coins I bought Myntra vouchers via SmartBuy (5X points) Used vouchers for gold coin purchases Earned points + got coins at discount = Investment + Rewards Talreja says: 'This is next-level credit card usage' 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 Talreja says: 'Without overspending. Just smart optimization.' Key lessons Talreja says: 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
