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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
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.
- 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.
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
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