Thread by @DoBaniye

How do we get upto 33% rewards on accelerated spends?

We use HDFC Bank Infinia 💳 for this

👉 Base rewards: 3.3%
👉 3x–10x on SmartBuy: 10%–33.3%
👉 Redemption via:
🔸 SmartBuy (flights & hotels)
🔸 Miles Transfer
🔸 Apple
🔸 Tanishq vouchers

Here’s the full breakdown👇🧵

🔹 Base Rewards
* 5 RPs per ₹150 = 3.3%
* 1 RP ≈ ₹1

🔹 SmartBuy Accelerated
* 3X–10X = 10%–33.3%
* Capped at 15,000 RPs/calendar month
= ₹1.125L monthly spend on 5X partners

What is Smartbuy?

HDFC Bank's portal for accelerated rewards on specific spends.

Example:
Smartbuy offers 10x (33.3%) RPs for hotel bookings using Infinia.

Infinia Smartbuy Link: offers.smartbuy.hdfcbank.com/v1/infinia

Accelerated SmartBuy Rewards

🔹 10X (33.3%) – Hotels, Jockey, Pharmeasy, IGP
🔹 5X (16.7%) – Flights, RedBus, Zoomcar, Nykaa, Myntra, MMT Holidays, Instant Vouchers, Apple Imagine Tresor
🔹 3X (10%) – ConfirmTKT(Trains)

🧢 Cap: 15,000 RPs/month = ₹1.125L monthly spend on 5X partners

⚠️ Maximise SmartBuy Rewards the Right Way

✅ Open partner websites via SmartBuy portal to get accelerated rewards
👉 offers.smartbuy.hdfcbank.com/v1/infinia

🧠 SmartBuy Cap Logic:
The monthly cap of 15,000 RPs applies only to the accelerated portion, not base rewards.

🔍 Example:
* Flights (5X) = 3.3% base + 4X bonus
* So, 15,000 RPs cap = ₹1,12,500 flight spend if no other SmartBuy spends

🔁 Plan your transactions to avoid hitting the cap early!

📌 1% Fee Applies On (up to ₹4,999 fee):
* Education payments (via 3rd party apps)
* Rent payments
* Utility bills > ₹50K
* Wallet loads > ₹10K (❌ No RPs)
* Online gaming > ₹10K (❌ No RPs)

Tip: Always check the MCC (Merchant Category Code) before large payments!

Where do we find the best value?

Gyftr Gift Cards is a 5x(33.3%) partner.

Some of the brand Gift cards we have used:
🔸Amazon Pay/ Amazon Shopping Voucher
🔸Flipkart
🔸Swiggy
🔸Zomato
🔸Croma
🔸Reliance Digital
🔸Bata
🔸PVR
🔸Decathlon

What's the hack to get 5x on 3x partners?

🔸Flipkart Gift Card(GC)
🔸Train tickets on Amazon

What are our favorite Gift Card?

👉Amazon Pay and Amazon Shopping Vouchers
🔸Amazon Pay can be used for multiple partners like Trains, Dominos, Jio, Licious, shopping on Amazon
🔸ASV can get other vouchers like Lifestyle, Home Center, Shoppers Stop
🔸There is a 3.5%+GST convenience fee on these vouchers now

Some points to note:

*15K Calendar Month cap on accelerated rewards
*We use add on cards for unlimited lounge access, more monthly limit on vouchers like Amazon, etc
*Monthly capping on insurance spends is 10K points (₹3L spends)

🌍HDFC Global Value Program (GVP)
* 1% cashback on international spends (₹1,000/month cap)
* ₹2,000 travel voucher on ₹1.5L intl spends
* ₹199 + GST annual fee
* 500 RPs on first international txn
📞 Activate via HDFC Phone Banking

Perfect for frequent flyers

ITC Hotels Offer:
1+1 on Buffet: Get 1+1 free buffet
2+1 on stay: Book for 3 nights, pay for 2

Available at participating ITC hotels
Booking and tnc: hdfcinfinia-itcoffers.thriwe.com

Until redeemed, all points are just monopoly money.
So, EARN & BURN! 🔥

👉 3 years validity.

👉 RPs nullify if card not used for 1 year.

👉 Easy redemptions
🔸Smartbuy ✈️🏨
🔸Miles Transfer ✈️🏨
🔸Apple Products 📱💻
🔸Tanishq vouchers 💍🪙

How to redeem RPs on Smartbuy?

👉Bookings for ✈️🏨

👉 Apple products 📱💻

👉 Tanishq vouchers 💍🪙

🔸 1 RP = ₹ 1

🔸 <=70% of the total bill is redeemable using RPs.

🔸 Remaining will get 5x(16.5%) RPs as usual.

How to redeem RPs for airmiles?

👉 Miles transfer program on Smartbuy:-

1:1 partners:-
🔸✈️ partners: Spicejet, Air Asia, Air France - KLM, Finnair, Vietnam Airlines
🔸🏨 partners: Wyndham, IHG

2:1 partners:-
🔸 ✈️ partners: Qatar, Air India, Air Canada, Avianca, Cathay Pacific, Thai Airways, United Airlines, British Airways, Turkish Airlines, Etihad
🔸🏨 partners: ITC, Accor

👉 Airmiles program on netbanking (1:1 partners):-
🔸 Singapore Airlines

How to redeem RPs for Vouchers/Cashback?

Both are done through netbanking:
👉 Vouchers can be bought @ 1 RP = 50p.
Periodically, HDFC has offer for vouchers @ 70p as well.

👉 Cashback @ 1 RP = 30p.

🛫 Airport Lounge Access
* Unlimited access, both domestic & international: Credit card for domestic and priority pass for international
* Primary + Add-on cardholders

⛳ Unlimited complimentary golf sessions and coaching– worldwide!

📌 Eligibility – Officially it’s invite only.
Unofficial eligibility:

New Applications:
* Salaried: ₹5L+ Net Monthly Income
* Self-employed: ITR > ₹60L

Upgrades:
* ₹10L+ Credit limit
* ₹9L+ spends in last 6 months
* Card must be 6+ months old

For metal card:
* Annual Fee: ₹12,500 + GST
* Welcome and renewal benefit of 12,500 reward points on fee payment and card activation
* Fee waived on ₹10L annual spend
*Free Club Marriott membership for first year

For plastic card:
* Annual Fee: ₹10,000 + GST
* Welcome and renewal benefit of 10,000 reward points on fee payment and card activation
* Fee waived on ₹8L annual spend

All new Infinia cards are metal now. If you have the plastic one, you can avoid upgrade to metal card.

📞 Support

📍 Global Concierge
📞 1800118887 | ✉️ [e-mail]​​​​​

📍 Phone Banking (India)
📞 1800 266 3310
📍 Phone Banking (Abroad)
📞 022-6171 7606

✅ Final Verdict – Infinia

✔️ Excellent for travel + lifestyle
✔️ High-value rewards with stacking (SmartBuy)
✔️ Lounge, Golf, SmartBuy = unbeatable combo
✔️ One of India’s most rewarding premium cards 🔥

📌 Use strategically to unlock maximum value — especially for SmartBuy & travel-heavy users.

We have it LifeTimeFree and use it for Smartbuy, Lounge access, International spends, etc.

More than 10,000 people get simple tips from us on credit cards, travel, and rewards.
You can too.

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