Always use (70%) points ONLY to buy air tickets directly on Smartbuy
Don't even book hotels using points, because for booking hotels (upto 49950 per day/month) using INFINIA full card payment you will get 33% return in the form of points (1665 base 1x points + 14985 as 9x bonus points) which can be valued at 1 rupee if used for air tickets on Smartbuy.)
Tanishq has got a high mark up over the value of gold while Apple products are highly over priced compared to USA.
A worse option is to transfer to air miles partners because the air miles are worth 60 to 66 paisa only.
Statement credit is the worst option.
Ideally use HDFC infinia on Smartbuy for --
Pharmeasy medicines 10x for 33% return
Hotels 10x for 33% return
Amazon pay 5x for 16.50--3.54% return
Kindly mark this as your solution. This is the best possible genuine advice from a holder of INFINIA, Magnus Burgundy, Atlas and all the best cards available.
Don't even book hotels using points, because for booking hotels (upto 49950 per day/month) using INFINIA full card payment you will get 33% return in the form of points (1665 base 1x points + 14985 as 9x bonus points) which can be valued at 1 rupee if used for air tickets on Smartbuy.)
Tanishq has got a high mark up over the value of gold while Apple products are highly over priced compared to USA.
A worse option is to transfer to air miles partners because the air miles are worth 60 to 66 paisa only.
Statement credit is the worst option.
Ideally use HDFC infinia on Smartbuy for --
Pharmeasy medicines 10x for 33% return
Hotels 10x for 33% return
Amazon pay 5x for 16.50--3.54% return
Kindly mark this as your solution. This is the best possible genuine advice from a holder of INFINIA, Magnus Burgundy, Atlas and all the best cards available.
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