Infinia Best strategy for Infinia+BizBlack+Amex Plat Travel

[superstar@123]

Combined smartbuy limit for Infinia + Add ons is 15K points per month
Combined smartbuy limit for Biz Black + Add ons is 10K points per month (this is in addition to Infinia limit of 15K)

Smartbuy limit is always including all add ons for all accelerated rewards (smartbuy and tax/GST etc.). Add ons do not get separate smartbuy limits

For Biz Black, the acceralted reward points cap is 7500.

 

[sourpai]

For Biz Black, the acceralted reward points cap is 7500.

View attachment 68168

I am talking about smartbuy Cap... can you pull out smartbuy cap limits also from T&Cs?

 

[Quiksilver27]

I am talking about smartbuy Cap... can you pull out smartbuy cap limits also from T&Cs?

Smartbuy cap for biz black is 10k points, kept in same category as diners black metal

 

[sourpai]

Smartbuy cap for biz black is 10k points, kept in same category as diners black metal

Yes... thats what I said in my post #60 on this thread.

Just asking @superstar@123 to verify it himself since he is probably thinking that cap is 7.5K only

 

[Quiksilver27]

Yes... thats what I said in my post #60 on this thread.

Just asking @superstar@123 to verify it himself since he is probably thinking that cap is 7.5K only

got it.. more of a self realization kind of exercise for him

 

[superstar@123]

Thanks for correcting and happy for it as well!
I cannot find the cap of 10k mentioned in the T&C but I go with you.
However, if 10k is the cap for smartbuy, then cap for goverment payments of 7.5k is separate ?

 

[Quiksilver27]

Thanks for correcting and happy for it as well!
I cannot find the cap of 10k mentioned in the T&C but I go with you.
However, if 10k is the cap for smartbuy, then cap for goverment payments of 7.5k is separate ?

 

[superstar@123]

I get it! And I felt the pain in my leg as well (as you pulled that 😉)

Coming back, please clear this up. I am pretty confused with HDFC's T&C !

 

[Quiksilver27]

I get it! And I felt the pain in my leg as well (as you pulled that 😉)

Coming back, please clear this up. I am pretty confused with HDFC's T&C !

so yes smartbuy cap is separate as i got bonus points for even 10k amazon gift card within 3 days.. business spends are subject to minimum 50k spends to get bonus on that.. smartbuy is calendar month cap and business spends cap is as per statement cycle..

 

[superstar@123]

so yes smartbuy cap is separate as i got bonus points for even 10k amazon gift card within 3 days.. business spends are subject to minimum 50k spends to get bonus on that.. smartbuy is calendar month cap and business spends cap is as per statement cycle..

A big salute to HDFC for keeping this it so simple !!!

 

[Ravana_88]

T

Thank you for the response . What all documents are needed in the branch if I want to get add on issued for my brother or my father ?

Can someone please help here ?

 

[350modena]

Can someone please help here ?

Usually a KYC - aadhaar pan should suffice. Maybe a photo. I've always added an add on online so not 100% sure.

 

[JustMak]

Thanks for correcting and happy for it as well!
I cannot find the cap of 10k mentioned in the T&C but I go with you.
However, if 10k is the cap for smartbuy, then cap for goverment payments of 7.5k is separate ?

As many have confirmed SmartBuy cap in addition to 5X business spends cap. SmartBuy accelerated RPs and caps in screenshot.

 

[JustMak]

Link here, if need to verify

Deals

SmartBuy is a platform only for display of offers extended by Merchants to HDFC Bank's Customers

offers.smartbuy.hdfcbank.com

 

[JustMak]

So what have you agreed on final strategy with the said cards? Do share.

 

[superstar@123]

Here is my updated strategy based on type of expenses:

 

[sourpai]

Here is my updated strategy based on type of expenses:


View attachment 68358

How are you going to Pay through red girraffe using Amex? I don't think there is any way to do this. If you find any, please tell us

You can pay 56,250 Tax via HDFC Biz black per month to maximise rewards. It is not 45K. Please check the benefits section of Biz black on HDFC site. They have mentioned it.

 

[superstar@123]

How are you going to Pay through red girraffe using Amex? I don't think there is any way to do this. If you find any, please tell us

You can pay 56,250 Tax via HDFC Biz black per month to maximise rewards. It is not 45K. Please check the benefits section of Biz black on HDFC site. They have mentioned it.

On rent, I have not tried but somewhere I read that it was possible but may be it was blocked now, so I will be paying it directly only. For Biz Black, will change the amount. Thanks for pointing.

 

[superstar@123]

What does this mean ?
Why the disbursed points are less and that too with so huge margin?

 

[Quiksilver27]

What does this mean ?
Why the disbursed points are less and that too with so huge margin?



View attachment 68585

disbursed means redeemed or consumed.. u earned 18087 points this cycle and used up 13097