Credit Card Reward Points:
A software professional from Pune, Suraj Kumar, recently earned a staggering ₹2 lakh through credit card reward points. Using his HDFC BizBlack and Infinia cards, he managed to accumulate 2,00,000 reward points over the span of just one year. The process involved smart planning, strategic spending, and using the right credit cards for the right purposes.
According to HDFC’s website, each reward point earned through their credit cards is valued at ₹1. Suraj shared his success on X (formerly Twitter), explaining how he reached this impressive milestone. He emphasized that one needs to plan carefully and spend wisely without overdoing it to maximize the benefit of credit card rewards.
Suraj’s strategy involved using his HDFC BizBlack Credit Card for tax payments, utility bills, and other business expenses. This card offers up to 5x reward points on GST and tax payments. With this approach, he earned significant bonus points: around 90,000 points per year, just through his tax payments. Additionally, using his card for regular expenses added another 1 lakh points, bringing his total reward points to 2 lakh.
HDFC’s BizBlack card is especially useful for freelancers, consultants, and business owners as it offers excellent rewards for business-related payments. Along with tax payments, he also utilized his HDFC Infinia Card for general purchases, adding more points to his rewards tally.
Suraj’s success in earning ₹2 lakh through credit card points is a result of a well-thought-out strategy. Here are some key points to consider:
Use BizBlack for tax payments: This will help you accumulate points quickly on business-related transactions.
Use Infinia for everyday expenses: It helps you earn points for regular purchases, particularly when you need gift vouchers or other rewards.
Monitor your points and spending: Keep track of your credit card usage to make sure you’re maximizing your rewards.
By planning your credit card use smartly, you can earn substantial rewards without overspending, just like Suraj Kumar did.
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