Yogin Bhargava

Maximize your credit card rewards without extra spend. India-focused deals, stacks, and redemptions.

[Yogin Bhargava @10xRewards]

Ran a poll on my YouTube channel:

"Which recent credit card devaluation hit you the hardest?"

70% - Axis-Accor
18% - HDFC Infinia
7% - ICICI EPM

Axis users are more wounded than every other premium cardholder combined.

Our Devaluation Part 2 breaks down what's coming next 👇

[Yogin Bhargava @10xRewards]

₹500 Amazon Pay just landed for paying a credit card bill I was already paying anyway

Not a new card.
Not new spend.
Just routed through CRED.

Have you claimed yours yet, or is this sitting unclaimed on your account right now?

[Yogin Bhargava @10xRewards]

All Tata Neu Infinity holders assume they're earning 10% back.

Most aren't.

Your NeuPass tier decides your real rate.

Screen-by-screen breakdown, how to check yours, and how to actually get to the top tier 👇

https://t.co/SFAL1i98Q5

[Jassneet Singh @jassneetsingha]

HDFC just killed Infinia and the voucher game.

Infinia’s Brand Voucher rewards are now capped at 3,000 reward points per calendar month.

Same story for:
• Diners Black Metal/ BizBlack – 3,000
• Diners Black – 3,000
• Regalia Gold – 3,000

This is a massive devaluation for anyone who maximized SmartBuy via Gyftr/Woohoo.

The golden era of chasing Infinia for unlimited voucher rewards is officially over. 💔

https://t.co/duRJXSjhRj

[Yogin Bhargava @10xRewards]

https://t.co/mCPUp6EBEI

[Yogin Bhargava @10xRewards]

Quick one for Infinia holders 👇

The ₹18L spend mandate has people overspending just to keep the card?

@adiprakas and I modeled ₹15L of actual tier-1 household spend across 4 2-card setups.

The best one returns 19.7% vs Infinia's 12.9% ceiling. Three of the four beat it

[Ameya Karve @ameyakarve]

Heads up. AccorPlus new membership offer for 2000 bonus points is starting soon. 10 June - 30 June 2026. https://t.co/LLYkUtKYFp -- wait for the offer to go live before you apply :)

[Yogin Bhargava @10xRewards]

Most Tata Neu Infinity holders are earning ₹8,550/year on it.

The number should be ₹26,400.

Same card
One routing fix

Full breakdown dropping this week.

Comment Neu and I'll tag you when it's live.

[Yogin Bhargava @10xRewards]

https://t.co/WWTGpvYsRc

[Yogin Bhargava @10xRewards]

Ran a poll on my YouTube channel:

"Which recent credit card devaluation hit you the hardest?"

70% - Axis-Accor
18% - HDFC Infinia
7% - ICICI EPM

Axis users are more wounded than every other premium cardholder combined.

Our Devaluation Part 2 breaks down what's coming next 👇

[Yogin Bhargava @10xRewards]

@jassneetsingha I wish they just made Air India points transfer 1:1 until May 31st 😁😁😁

[Yogin Bhargava @10xRewards]

@jassneetsingha @gemsofh True. I have friends who simply use infinia too..less stress and no decision fatigue.

I was making a point that if somebody is missing th 18Lakh threshold, they shouldn't sweat or spend extra just to meet this criteria

[Yogin Bhargava @10xRewards]

@gemsofh @jassneetsingha Its not entirely true. I agree it's true for many users, but with the right habits and redemptions DCBM + Travel One can easily beat Infinia

[Yogin Bhargava @10xRewards]

Devaluation hs hit hard?

A 3-step framework t eover value

https://t.co/6YHDGsNCrA

[Yogin Bhargava @10xRewards]

HDFC is being super-selective about who gets to keep infinia

[Jassneet Singh @jassneetsingha]

The ₹18L spend target for HDFC Infinia fee waiver will exclude all excluded categories.

Mostly this was just a double-check from my side. After all, it’s a bank — no leniency from HDFC of any sort. Good to have the confirmation.

[Yogin Bhargava @10xRewards]

Happy Holi 🫟

[Yogin Bhargava @10xRewards]

@ankitdewan Happy Holi

[Yogin Bhargava @10xRewards]

The Infinia 18L spend rule isn't a devaluation.

Its a long-overdue cleanup. A "premium" card that everyone has is just a plastic rectangle.

[Yogin Bhargava @10xRewards]

@imYadav31 Breakup letter 😭

[Yogin Bhargava @10xRewards]

STOP Redeeming HDFC DCB Points for Cash! 🛑

https://t.co/RBsRqMjYeh

[Yogin Bhargava @10xRewards]

HDFC Infinia - what to do with it. Are you continuing to hold it or give it up?