BizBlack Metal Credit card - Bill payment through Payzapp didn't get bonus RP

[Raigor]

My HDFC BizBlack statements clearly reflect the bonus points rewarded for tax payments and even smartbuy transactions, but I didn't get the 5x points for bill payments made on Payzapp. Is it because I already exhausted 7.5k cap for biz spends with my tax payments? I only got 3.33% RP on the electricity bill payment I made instead of 5x as mentioned on card details.
Has anyone actually received the 5x for bill payments on payzapp using BizBlack? and can you share the transaction amount and where the bonus points reflected for you?

 

[Pravas]

Got my first bill generated today, did not receive any bonus points for tax payment just regular points.

Anyone has received 5x points for tax payment?

 

[basant]

Got my first bill generated today, did not receive any bonus points for tax payment just regular points.

Anyone has received 5x points for tax payment?

You will get in 1-2 days after bill

 

[doctoramar]

Got verbal confirmation from SmartBuy Helpline that two caps are independent of each other (so potentially 17.5K); but no written one despite having asked for the same.

If anyone has confirmation, do share.

Smart buy cap and Business spends cap are independent as shown in savings calculator on hdfc website.Confirmed on phone but no written confirmation.

 

[doctoramar]

These calculations are based on infinia points being worth 1 rupee (but ONLY if used to buy air tickets)

air tickets are available at a discount of 10% on online travel agents and 24% on Traveledge.
You need to factor in this discount also, when calculating returns

Is the 24% on traveledge using a particular cc like atlas?

 

[drsel]

Smart buy cap and Business spends cap are independent as shown in savings calculator on hdfc website.Confirmed on phone but no written confirmation.

The best deals on Smartbuy are--
Pharmeasy & Hotels 10x for 33% return
Amazon pay 5x (10000 pm) for 12.96% return
Amazon shopping 5x (10000 pm) for 13.55% return
These are the returns, provided you use the points to buy air tickets. (Don't use points for hotels, use the card for hotels to get 33% return)

Then you need to factory in the discount of 10% on airtickets (which you get on online travel agencies) or 24% return on airtickets using Magnus Burgundy

 

[JustMak]

Some additions to above.

Amazon shopping 5x (10000 pm) for 13.55% return

3X for BizBlack

These are the returns, provided you use the points to buy air tickets.

Or hotels

Then you need to factory in the discount of 10% on airtickets (which you get on online travel agencies) or 24% return on airtickets using Magnus Burgundy

Would still be getting 5X back (16.66% return) on flights for 30% payment by card.

 

[drsel]

Some additions to above.

3X for BizBlack


Or hotels


Would still be getting 5X back (16.66% return) on flights for 30% payment by card.

For Hotels is better use the card (not points) and get 33% return

 

[JustMak]

For Hotels is better use the card (not points) and get 33% return

Just saying that option is there. Up to the individual to decide!

 

[doctoramar]

For Hotels is better use the card (not points) and get 33% return

Got it .book hotels with the card and use points for airline bookings.

 

[drsel]

Got it .book hotels with the card and use points for airline bookings.

Pay for Hotels 10x, Pharmeasy 10x, Amazon pay 5x, Amazon shopping 5x, Swiggy with the card.
Accumulate points and use for air tickets ONLY (70% points allowed)

 

[dexter_greycells]

Pay for Hotels 10x, Pharmeasy 10x, Amazon pay 5x, Amazon shopping 5x, Swiggy with the card.
Accumulate points and use for air tickets ONLY (70% points allowed)

To add to this, you get 5X RPs (16.67% RPs) on outer garments via Myntra and 10X RPs (33.33%) on inner garments via Jockey
Kidding. It doesn't matter what type of garments you buy from Myntra or Jockey. Those are the reward rates. There are other avenues too.
Here is the complete table from https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=

 

[doctoramar]

Pharmeasy has good discounts on medicines including the 33% with the card u almost get 50% .Thats really good.

 

[drsel]

To add to this, you get 5X RPs (16.67% RPs) on outer garments via Myntra and 10X RPs (33.33%) on inner garments via Jockey
Kidding. It doesn't matter what type of garments you buy from Myntra or Jockey. Those are the reward rates. There are other avenues too.
Here is the complete table from https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=

Agreed, but are the rates on Myntra and Jockey competitive?
Are they overpriced?

 

[dexter_greycells]

Agreed, but are the rates on Myntra and Jockey competitive?
Are they overpriced?

I have experience with Jockey and the rates are the same you get on Amazon/Flipkart/Myntra.

 

[doctoramar]

Got it .book hotels with the card and use points for airline bookings.

With the cap of 15000 (infinia )and 10000 (biz black )smartbuy points per day/ month
The max room price u can book is 50000 for infinia and 35000 for biz black/dcb.Thats two days stay in a good hotel.
Inadequate ? As u go upto 2 lakhs discount falls to 10%.

 

[doctoramar]

For Hotels is better use the card (not points) and get 33% return

In comparison axis atlas gets u 18% on two lakhs travel spend if u convert to accor.
Upto 1 lakh spend infinia also gets u 18% on hotels
And 13% using biz black/dcb.

My point being if ur going for an international vacation is axis atlas better for travel ?
Opinions please.

 

[drsel]

In comparison axis atlas gets u 18% on two lakhs travel spend if u convert to accor.
Upto 1 lakh spend infinia also gets u 18% on hotels
And 13% using biz black/dcb.

My point being if ur going for an international vacation is axis atlas better for travel ?
Opinions please.

You need to first check prices on Google hotels and Google flights. Then, at least one paper --

Flights
Magnus Burgundy 24% return
Atlas 10% return
HDFC infinia 16.5% return (use points to pay 70%, card for 30%)

Hotels
Magnus Burgundy 24% return
Atlas 10% return
HDFC infinia 33% return (use only card to pay)

 

[doctoramar]

You need to first check prices on Google hotels and Google flights. Then, at least one paper --

Flights
Magnus Burgundy 24% return
Atlas 10% return
HDFC infinia 16.5% return (use points to pay 70%)

Hotels
Magnus Burgundy 24% return
Atlas 10% return
HDFC infinia 33% return (use card to pay)

Got it.Capping of 15k points reduces the return on larger value bookings?