IRCTC with Amazon Gift Card better than HDFC Infinia Smartbuy for Train bookings?

[srikbs8095]

Hey folks, I'm new to the game, so excuse the excitement on this one. I have been using HDFC Infinia Smartbuy to book over 50 train reservations over the past year. I used Smartbuy because of the 3X multiplier, bringing the total rewards to ~10%. But I just noticed that if I book directly using IRCTC and pay using the Amazon Pay Gift balance (Amazon Gift card purchased from Gyftr using Smartbuy), we can save up to 14% (16%-1.8% processing). Am I just too busy to not have noticed this before? or does this surprise you as well?

 

[Deleted member 11974]

did you check for technicalities as cappings?

 

[srikbs8095]

20k per month is the cap on Amazon gift card on Gyftr using HDFC Infinia. I think 5000 is the cap on Amazon wallet payments. Both are acceptable to me.

 

[srikbs8095]

update: this trick is only applicable for Train bookings on IRCTC, not bus/flight/food bookings on IRCTC.

 

[Deleted member 11974]

Hey folks, I'm new to the game, so excuse the excitement on this one. I have been using HDFC Infinia Smartbuy to book over 50 train reservations over the past year. I used Smartbuy because of the 3X multiplier, bringing the total rewards to ~10%. But I just noticed that if I book directly using IRCTC and pay using the Amazon Pay Gift balance (Amazon Gift card purchased from Gyftr using Smartbuy), we can save up to 14% (16%-1.8% processing). Am I just too busy to not have noticed this before? or does this surprise you as well?

You didn't account for gytfr processing fee

 

[srikbs8095]

You didn't account for gytfr processing fee

even with gyftr processing fee, we're still over 9.9%.

 

[Deleted member 11974]

16.5-2.95-1.8 comes to 11.75
so can do this
but this become a bit more tedious compared to direct smartbuy booking

 

[tanvi]

U can directly book train tickets on Amazon and save charges

 

[srikbs8095]

U can directly book train tickets on Amazon and save charges

thank you for the suggestion

 

[MrJJ]

U can directly book train tickets on Amazon and save charges

Amazon adds agent charges...

 

[adldeeps]

booking train via smartbuy has been the worst option for me.. maximum time booking fail and when we have to cancel then more deductions. This post motivates me to use amazon pay on irctc directly. will try that for sure.

 

[Jitendracht]

Hey folks, I'm new to the game, so excuse the excitement on this one. I have been using HDFC Infinia Smartbuy to book over 50 train reservations over the past year. I used Smartbuy because of the 3X multiplier, bringing the total rewards to ~10%. But I just noticed that if I book directly using IRCTC and pay using the Amazon Pay Gift balance (Amazon Gift card purchased from Gyftr using Smartbuy), we can save up to 14% (16%-1.8% processing). Am I just too busy to not have noticed this before? or does this surprise you as well?

This is normal as 5x reward . Normal return is 3.3 . So your calculation is correct 16 per . But there is cap to buy AP Voucher . I am also new , my infinia cc dispatched . See if others can advise what’s cap on AP voucher pm