Vivek Garg

Save Money Live Better !

[Vivek Garg @gargvive]

Useless infinia now.

What would be other option apart from EPM now ? Mainly for vouchers .

[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

[Vivek Garg @gargvive]

Forcing extra spends beyond that ₹22.5K threshold now yields zero accelerated value.
This is a massive structural hit to the classic 16% reward rate playbook we’ve all relied on for years. How are you re-routing your retail spends this month?

[Vivek Garg @gargvive]

If your credit card strategy relies on stacking HDFC SmartBuy vouchers, it’s time to pivot.
HDFC has placed a strict 3,000 monthly RP ceiling on voucher purchases across Infinia, DCB, and BizBlack. The maximum optimized spend has collapsed from ₹1.12L down to just ₹22.5K.

[Vivek Garg @gargvive]

If your credit card strategy relies on stacking HDFC SmartBuy vouchers, it’s time to pivot.
HDFC has placed a strict 3,000 monthly RP ceiling on voucher purchases across Infinia, DCB, and BizBlack. The maximum optimized spend has collapsed from ₹1.12L down to just ₹22.5K.

[Gajender Yadav @imYadav31]

For the longest time, HDFC premium cards had one beautiful play.

Buy vouchers through SmartBuy, use Infinia / DCB / Biz Black, and quietly extract a very strong reward rate.

Infinia users could earlier push voucher spends close to ₹1.12L and earn roughly 16% value.

That game has now changed.

HDFC has capped monthly voucher rewards at just 3,000 points for premium cards.

Which means you now max out the cap at around ₹22.5K voucher spends.

From ₹1.12L to ₹22.5K.

That is not a small revision.

That is HDFC telling premium users the voucher party is no longer unlimited.

[Rushil @RushilM_]

I just got a ~₹48K Air India Business Class ticket for FREE. 👀

Thanks to credit card reward points and a Cabin Upgrade Voucher.

But hey… credit cards are bad, and all people do is show off their travels, right?

This is what most people don’t see.

Here’s exactly how I did it. 👇🏻

I had an Air India Cabin Upgrade Voucher, which lets you upgrade:
✅ Economy → Premium Economy
✅ Premium Economy → Business

The catch?

A Cabin Upgrade Voucher doesn’t guarantee an upgrade.

Award seat availability is always hit or miss.
More often, it’s a miss.

So I called Air India.

Luckily, there was upgrade availability in both Premium Economy and Business.

Then came the best part.

Until recently, these vouchers only worked on paid tickets booked directly with Air India.

Not anymore.

They’re now valid on bookings made through:
✅ Air India
✅ OTAs
✅ RP Redemptions

So instead of paying ₹9.8K out of pocket…
…I booked the entire Premium Economy ticket using EPM RPs via iShop (1 RP = ₹1). 🚀

Effectively ₹0 out of pocket.

One more call to Air India…
…and the Cabin Upgrade Voucher was applied.

Premium Economy → Business. ✈️

End result?

A ~₹48K Air India Business Class ticket…
…for effectively FREE. 🔥

[Vivek Garg @gargvive]

Not eligible

[LUK@ @bethalaluka]

Zepto : Get ₹500 Worth Of Ice cream @ 1

Open zepto > search Kwality Walls magnum

Add ₹500 ice cream & Apply code: KWALITYWALLS1

[Vivek Garg @gargvive]

Cred shows 3% deal of the day but shows 2.5% on payment page.

Bug ? Care to explain @CRED_club

[Vivek Garg @gargvive]

Loot alert on CRED Deal of the Day:

Get a ₹4,000 Flipkart Gift Voucher at a flat 4% discount.

Get a ₹3,000 Amazon Shopping Voucher at a flat 2.5% discount.

Pay via your favorite rewards credit card to stack additional cashback on top. 💳✨

I used Axis M4B (14% return).

[Vivek Garg @gargvive]

What's the best use for EPM Points now ?

[cardspointsnmore | Credit cards & Rewards @cardspointsmore]

Air India Maharaja has become my preferred destination for Axis Points

One quarter back Axis removed Accor as partner

This led to major shift in strategy - moved to HSBC for Accor and now Axis points most likely will slowly move to Maharaja

follow @cardspointsmore

[Vivek Garg @gargvive]

4/ The Wallet Hack

Load PayZapp using an HDFC Millennia DC to score 1% cashback (up to ₹400/mo). Then, route the funds to clear your credit card bills via Axis Setu.

Save this for your next billing cycle! 💳

[Vivek Garg @gargvive]

3/ Mid-Tier & Volume Options
Jupiter Pro DC via Axis/BOB App: 1% back up to ₹150/mo.
Kotak 811 In-App: 1% back up to ₹20/txn (3x).
BOI RuPay Select DC: 0.75% back on up to ₹3.3L/mo (Works on CRED, Paytm, MobiKwik).
SBI Virtual DC: 0.25%+ back depending on card tier.

[Vivek Garg @gargvive]

3/ Mid-Tier & Volume Options
Jupiter Pro DC via Axis/BOB App: 1% back up to ₹150/mo.
Kotak 811 In-App: 1% back up to ₹20/txn (3x).
BOI RuPay Select DC: 0.75% back on up to ₹3.3L/mo (Works on CRED, Paytm, MobiKwik).
SBI Virtual DC: 0.25%+ back depending on card tier.

[Vivek Garg @gargvive]

2/ MobiKwik Promo Codes
Use these exact codes based on your bill size:

SAVE200 (₹200 back on ₹5L)
SAVE151 (₹151 back on ₹2.5L)
SAVE75 (₹75 back on ₹1.25L)
FULLPAY (Up to ₹200 random CB)
Or use SuperCash for flat ₹25 off on ₹25k+ bills.

[Vivek Garg @gargvive]

2/ MobiKwik Promo Codes
Use these exact codes based on your bill size:

SAVE200 (₹200 back on ₹5L)
SAVE151 (₹151 back on ₹2.5L)
SAVE75 (₹75 back on ₹1.25L)
FULLPAY (Up to ₹200 random CB)
Or use SuperCash for flat ₹25 off on ₹25k+ bills.

[Vivek Garg @gargvive]

1/ The Heavy Hitters (5% Back)

HDFC Rewards DC + PayZapp: 5% back, capped at ₹2,000/mo. (Top priority)

RBL Enterprise DC + FreeCharge: 5% back, capped at ₹1,000/mo.

Kotak 811 Super DC + Vi App: 5% back on ₹1,970 txns (Max 5x, up to ₹500/mo).

[Vivek Garg @gargvive]

1/ The Heavy Hitters (5% Back)

HDFC Rewards DC + PayZapp: 5% back, capped at ₹2,000/mo. (Top priority)

RBL Enterprise DC + FreeCharge: 5% back, capped at ₹1,000/mo.

Kotak 811 Super DC + Vi App: 5% back on ₹1,970 txns (Max 5x, up to ₹500/mo).

[Vivek Garg @gargvive]

Stop paying your credit card bills blindly. With the right debit card and app combos, you can easily claw back thousands of rupees every single month.
Here is how to structure your bill payments this June to milk maximum cashback. 👇

[Vivek Garg @gargvive]

Stop paying your credit card bills blindly. With the right debit card and app combos, you can easily claw back thousands of rupees every single month.
Here is how to structure your bill payments this June to milk maximum cashback. 👇

[Vivek Garg @gargvive]

How can we make best use of EPM points ?

[Akash @ccg33k]

Also an #AVGeek heaven, you can see a plane landing every few minutes!!!
Zoom in to spot one.

[ᏰᏗᏝᏗ @balakoteswar]

🎬 Movie Credit Cards: Spend Condition vs No Spend Condition

🔴 Cards with a Spend Condition

• ICICI Sapphiro – Spend ₹25,000 in the previous quarter to unlock the BOGO movie offer for the current quarter.

• IDFC FIRST Wealth (Credit & Debit) – Spend ₹20,000 in the previous calendar month to unlock movie benefits (and lounge access) for the current month.

• RBL Play – Spend ₹5,000 in a billing cycle to unlock 2 free movie tickets (up to ₹500 off) for that month.

🟢 Cards with No Spend Condition

• ICICI Emeralde Private Metal (EPM) – No spend requirement.

• Bank of Baroda Eterna (LTF now) – No spend requirement for movie benefits.
(Note: Lounge access requires ₹40,000 quarterly spends.)

• Visa Infinite & Visa Signature Cards – No spend requirement. Benefits are subject to shared monthly quotas on a first-come, first-served basis.

• SBI Elite – No spend requirement. 2 complimentary tickets/month (up to ₹250 per ticket).

• SBI Aurum – No spend requirement. 4 complimentary tickets/month (up to ₹250 per ticket).

• HSBC Premier Mastercard – No spend requirement.

• IndusInd Legend (LTF) – No spend requirement. Up to 3 BOGO tickets/month. (Limited Monthly Quota)

• IndusInd Tiger (LTF) – No spend requirement. BOGO (up to ₹500 off), twice a year.

• IndusInd Vistara / Pinnacle / Indulge / Crest / Celesta – No spend requirement for their respective BookMyShow offers.

• Axis Reserve / Burgundy / Olympus – No spend requirement for their premium BOGO offers.

• YES Marquee – No spend requirement. BOGO up to ₹800 per ticket, 3 times/month.

• AU Zenith+ – No spend requirement. 16 BOGO tickets/year (max 4 per quarter, up to ₹500 off).

• RuPay EKAA Cards (e.g., PNG Luxura) – No card-specific spend requirement for eligible network movie offers.

Follow @balakoteswar on 𝕏 for more investing insights.

⚠️ Disclaimer: Movie offers, eligibility criteria, spend requirements, ticket limits, and redemption quotas are subject to change at any time as per the issuing bank’s or card network’s policy. Please verify the latest terms & conditions with the bank or offer page before relying on this information.

#CreditCards #BookMyShow #MovieOffers #Rewards #PersonalFinance #CreditCardHacks #ccgeeks #ccgeek

[Abhishek Chatterjee @AbhiChtrj]

Now add your SBI Virtual RuPay Debit Card on GPay app for Tap & Pay and get 20% Cashback #ccgeek #ccgeeks #creditcard #rupaygeek #dcgeek #debitcard #RuPay #UPI

Note - activate your contactless payment and set contactless limit through old sbi net banking.

Use TAP & PAY through:
📱 Google Pay

📅 Valid till: July 31

🎁 Earn bonus SBI Rewardz points on every eligible txn:

🔹 ₹500–₹999 → 400 points (₹100)
🔹 ₹1,000–₹1,999 → 800 points (₹200)
🔹 ₹2,000+ → 1,600 points (~₹400)

💡 Best strategy:

✔️ ₹500 spend = 20% return
✔️ ₹1,000 spend = 20% return
✔️ ₹2,000 spend = 20% return

[Vivek Garg @gargvive]

Flipkart FV available at 4% discount on cred.

Grab before it is done.

[Vivek Garg @gargvive]

Not working

[DesiDime @desi_dime]

💳 Flipkart Gift Cards at 6% off via CRED right now.

₹1,000 loaded = ₹60 off before any sale price.

👉Offer link : https://t.co/IlKyPLQAlD

Also on Flipkart app. Multiple uses confirmed.

💡 Load before checkout.

[Gajender Yadav @imYadav31]

Very underrated and powerful transfer partner of HDFC Infinia credit card.