Latest news with #HDFCInfinia
Time of India
6 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:
Mint
17-06-2025
- Business
- Mint
4 best credit cards with hotel or travel partnerships; check the full list here
Do you love to travel and eat out at hotels? If yes, you can subscribe to a credit card which has a strong partnership(s) with airlines, a premium hotel or a chain of hotels. There are some credit cards which offer a range of benefits to travellers such as reward points, airmiles & discounts, among others. Here, we give a lowdown on travel credit cards, which provide special features, discounts and complimentary stays. These are some travel cards with which have a strong hotel or travel partnerships. I. HDFC Infinia / HDFC Diners Club Black: This card allows cardholders to stay for 3 nights, while you pay for two at the participating ITC hotels. The card also offers complimentary Club Marriott membership for first year that offers up to 20 percent discount for dining and stay across Asia-Pacific region. II. ICICI Bank Emeralde Credit Card: This card allows you to get a refund of up to ₹ 12,000 for a maximum of two transactions every year on any flight/ hotel/ movie booking cancellation. The card also gives unlimited complimentary access to select lounges at airports in India. III. Marriott Bonvoy HDFC Bank Credit Card: This card provides complimentary Marriott Bonvoy Silver Elite Status. This leads to one free night award and 10 Elite Night Credits on first eligible spend transaction or fee levy on the card. IV. Axis Bank Atlas Credit Card: This card does not have any special partnership and projects itself as an airlines agnostic travel card. This is designed to benefit on every travel one undertakes. On cc, the card offers 5 Edge miles per Rs100 spend. The card also offers 2 edge miles on other spends. These are some of the reasons for opting for cards with special partnerships: A. One gets to claim complimentary hotel nights or upgrades. B. This leads to faster loyalty status with hotel chains. C. The partnership often means higher reward value when redeeming for stays. D. These cards offer exclusive discounts and dining benefits. Disclaimer: Mint has a tie-up with fintechs for providing credit, you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit score. Mint does not promote or encourage taking credit as it comes with a set of risks such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.
