Spend Strategy

Amazon.in

All spends on Amazon via ICICI Amazon Card with 5% cashback.

Amazon Gift Card via HDFC Infinia gives 12.5% reward points.

Amazon Fresh has instant 10% discount every month (first five days) on ICICI credit card. 

Jio Fiber Postpaid Bill of Rs1060/month

Allows to pay using Amazon Pay Balance via jio.com (balance got at 12.5% rewards) 

Zomato

Zomato Gift Card via HDFC Infinia gives 15% reward points.

 

Foreign Spend Markup

1.5% on AU Debit Card 

 

UPI Spend

HSBC Bank UPI @ 5% Cashback 

 

FG Premium of Rs20750/month

• HDFC Infinia giving 690 points
• 
  

 

HDFC Infinia (no reward points txns)

SmartyBuy Multiplier in same month

Insurance in next month

Grocery in next month

Gift Cards

Jockey GC from Amazon @ 11% discount

Ola (One Time Use) GC from Amazon @10% discount

Credit Card Forums

https://www.cardexpert.in/hdfc-smartbuy-adds-processing-fee-amazon/

https://www.technofino.in/community/threads/getting-an-upgrade-option-for-icici-emeralde-credit-card.5806/

https://www.cardexpert.in/080-bangalore-premium-airport-lounge-review/

HDFC Infinia Credit Card Benefits

Terms

Key Benefits

• 5 Reward Points for every ₹ 150 spent (3.3% earnings)
• No reward points if spend is below Rs150
  

Reward Multiplier on below popular eCommerce portals when redirected from

https://offers.smartbuy.hdfcbank.com

• 10X (Means 33RP on spend of Rs100 which is 33% earnings)
• Stay/Hotel
  
• Makemytrip-Stay
• Yatra-Stay
• Cleartrip-Stay
• Shop
  
• Pharmeasy
• Jockey
  
• IGP

• 5X (Means 16.65RP on spend of Rs100 which is 16.65% earnings)
• Fly
  
• Easemytrip-Fly
• Yatra-Fly
• Cleartrip-Fly
• GoIbibo-Fly
• Travel
  
• Makemytrip-Holiday
• Zoomcar
• Redbus
• Irctc
  
• Shop
  
• Myntra
  
• Nykaa
• Vouchers (only in multiples of Rs150)
  
• gyftr (25RP on spend of Rs150 which is 15% earnings)
• Amazon Shopping (325RP on Rs2000 voucher + Rs59 charge)
• Amazon Gift Card (325RP on Rs2000 voucher + Rs71 charge)
  

 Other Benefits

 

1+1 Complimentary Buffet, 2+1 Night at ITC, Click here

List of domestic lounges

Detailed Reward Point usage rules.

https://www.reddit.com/r/CreditCardsIndia/comments/18iue8a/the_definitive_guide_to_hdfc_infinia_metal_card/