Infinia Reward points for BookNowPayLater MMT holiday package

[MrMonkey]

Hi folks,

Infinia gives 5x reward points of booking MMT holiday package on Smartbuy. The package I'm interested in has BookNowPayLater option where it can be booked by paying just Rs1 now and paying the remaining amount later (1 week before the tour). If I choose the pay later option and confirm the booking by paying the due amount later using Infinia, does anyone know if that txn get 5x reward points or we only get 5x on paying full amount without pay later?

NOTE: This is not related to EMI or loan

Thanks in advance

 

[drsel]

Normally EMI transactions and transactions converted to EMI later do not get points

 

[drsel]

But this book now pay later is just a gimmick to mask the fact that you will be paying high interest (upto 18% pa) on the money lent to you for this holiday.
It is a personal loan in disguise.
The holiday prices are inflated to include the interest cost payable to the lender, and make you think that there is no interest and no loan.

I don't recommend you taking loans for holidays.

 

[MrMonkey]

But this book now pay later is just a gimmick to mask the fact that you will be paying high interest (upto 18% pa) on the money lent to you for this holiday.
It is a personal loan in disguise.
The holiday prices are inflated to include the interest cost payable to the lender, and make you think that there is no interest and no loan.

I don't recommend you taking loans for holidays.

It's the same price irrespective of paying full amount now or paying before 1 week of the stay (which is the deadline to confirm the booking). I don't see any "gimmick" here as it's neither EMI not loan.

Anyways, coming back to my question - paying full amount now will earn 5x rewards points, but would booking now and paying it right before the stay get 5x or normal 1x?

 

[MrMonkey]

Normally EMI transactions and transactions converted to EMI later do not get points

This is not an EMI txn btw.

 

[tachniki]

Will you make final payment through payzapp / smartbuy or directly on mmt?

 

[MrMonkey]

Will you make final payment through payzapp / smartbuy or directly on mmt?

Not sure where the final payment option will be. If it will available on smartbuy, then it probably will earn 5x points

 

[tachniki]

Not sure where the final payment option will be. If it will available on smartbuy, then it probably will earn 5x points

I think so. Otherwise there is no way merchant name is going to be correct - "<something> via smartbuy".

Another alternative could be to use mmt holidays voucher. You will save around 3k on 15k vouchers. Not sure if mmt has limit on number of vouchers. Or if these vouchers can be used for book now pay later. Better to send email to mmt and get them in writing.

 

[ENIAC]

Not sure where the final payment option will be. If it will available on smartbuy, then it probably will earn 5x points

normally its on the first payment itself not on subsequent partial payments

 

[ENIAC]

I think so. Otherwise there is no way merchant name is going to be correct - "<something> via smartbuy".

Another alternative could be to use mmt holidays voucher. You will save around 3k on 15k vouchers. Not sure if mmt has limit on number of vouchers. Or if these vouchers can be used for book now pay later. Better to send email to mmt and get them in writing.

View attachment 71741

Yes, you can apply only 3 vouchers max at a time, I bought a 3X1lakh denomination of voucher from grab deals earlier at a 12.6% discount plus card points, However, MMT says that vouchers are not applicable with discount coupons, so check with small denominations first.

 

[kumarvishwas]

So did you get the 5x reward points on the remaining amount?

I booked one of the packages costing 50K and was only given the option of making partial payment of 37K, made that, now when I am trying to navigate to MMT Holiday Package using SmartBuy, I am being given the option to make the payment of remaining 13K under Manage My Booking option, not sure if that would be considered for the 5x rewards or not?

Although If I am trying to navigate to makemytri[p(using Smartbuy) or even normally and going under Manage My Booking and trying to make payment it is not allowing to make the payment using any other card except HDFC cards

Let me know if anyone has tried this.

 

[MrMonkey]

So did you get the 5x reward points on the remaining amount?

I booked one of the packages costing 50K and was only given the option of making partial payment of 37K, made that, now when I am trying to navigate to MMT Holiday Package using SmartBuy, I am being given the option to make the payment of remaining 13K under Manage My Booking option, not sure if that would be considered for the 5x rewards or not?

Although If I am trying to navigate to makemytri[p(using Smartbuy) or even normally and going under Manage My Booking and trying to make payment it is not allowing to make the payment using any other card except HDFC cards

Let me know if anyone has tried this.

5x points depends on the merchant name, something like "MMT via Smartbuy" similar to what you have received for partial payment.

 

[kumarvishwas]

5x points depends on the merchant name, something like "MMT via Smartbuy" similar to what you have received for partial payment.

But is there a way to check this before making the payment? because on my first payment on otp sms I got the vendor as MMT Holiday, but under unbilled transaction it showed up as MMT Holiday VIA SMARTBUY