Infinia Infinia rewards clarification (8.3% or 16.7%) for SmartBuy flights

[0x5f3759df]

Hi all, I was using the SmartBuy rewards calculator here: https://offers.reward360.in/v1/savings_calculator

It says total benefit of 8.3% if I book Rs. 3L flights with one time payment:


But, the reward rate goes up to 16.7% if I use 6 months EMI:


Is this a bug or is this how it actually works? Meaning if we take EMI then the 15,000/mo point limit is circumvented? For some reason I remember reading that EMI is excluded from points

 

[madhuvarasa86]

Looks like a bug

 

[sourpai]

It is not a bug....

There is a capping of 15K points max per transaction or per month for Infinia for which max spends required are 1.1L for 5X. Any spend above 1.1L for flight booking will earn 3.3% rate (1x) rate

So for 3L flight, it will work out to be blended rate and less than 9-10%

 

[Zacobite]

Hi all, I was using the SmartBuy rewards calculator here: https://offers.reward360.in/v1/savings_calculator

It says total benefit of 8.3% if I book Rs. 3L flights with one time payment:
View attachment 66207

But, the reward rate goes up to 16.7% if I use 6 months EMI:
View attachment 66208

Is this a bug or is this how it actually works? Meaning if we take EMI then the 15,000/mo point limit is circumvented? For some reason I remember reading that EMI is excluded from points

EMI not counted for points