How a Pune-based data analyst earned ₹2 lakh in reward points using smart strategies with HDFC BizBlack and Infinia cards—without overspending. Learn his simple, effective method now.
Meet Suraj Kumar Talreja, a data analyst from Pune. Over the last year, he did something cool: he earned ₹2 lakh worth of reward points from his credit cards. And the best part? He didn’t go on a spending spree. He simply used the right strategies, at the right time, and stayed disciplined. Here’s how he did it—and how you can, too.
The Gist: It’s About Smart, Not Excessive, Spending
Talreja used two HDFC cards—BizBlack and Infinia. He focused on everyday payments that gave him extra reward points and used redemption tricks smartly. The result? A whopping ₹2 lakh without splurging.
HDFC BizBlack Card: A Hidden Gem for Big Earners
Talreja says BizBlack is great for freelancers, business owners, or consultants who pay taxes and utilities regularly. Why? This card gives 5X reward points on tax and utility payments—including GST and advance tax. Since 1 point = ₹1, that adds up fast.
Point Breakdown:
Base earn rate: 5 points per ₹150
With 5X bonus: 25 points per ₹150
Monthly bonus caps at: 7,500 points → ~₹90,000/year
Including base points: Over ₹1 lakh in points each year!
HDFC Infinia Card: Power Combo Unlocks More Rewards
Infinia isn’t left behind. Talreja combined SmartBuy and GYFTR platforms—his so-called “Power Combo.” He bought Myntra and PharmEasy vouchers through SmartBuy, earning both discounts and extra reward points.
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Discipline and Strategy = Reward Wins
Talreja’s core tip: “Credit cards are not for spending more; they’re for earning more on what you already spend.” He stuck to essentials—taxes, utilities, trusted vouchers—and avoided overspending. That paid off big time.
Why This Method Works for You too?
No extra spending required: You just leverage your existing payments.
High return on real spends: Especially on tax, which people pay anyway.
Voucher systems offer bonus rewards: SmartBuy + GYFTR = double benefit.
Manages risk: Stay within your budget and discipline keeps you safe.
Flexible redemption: Points convert directly—₹1 point equals ₹1.
Broader Takeaways from Experts
Smart, disciplined use of credit cards can boost wealth—not debt. Don’t get trapped by overspending.
Many banks now offer UPI-enabled RuPay credit cards, making everyday spending like fuel, groceries, and commute not only easy but rewarding.
With disciplined use, you can even turn routine expenses into travel perks—think free flights or hotel stays. All with the same money, plus reward points.
FAQs: Credit Card
Q1: How did he really earn ₹2 lakh without spending more?
By maximising points on necessary spends (like tax bills) and using voucher platforms for regular shopping.
Q2: What types of payments give the most points?
BizBlack: Tax & utility payments (5X points).
Infinia: SmartBuy + GYFTR platform purchases like Myntra or PharmEasy.
Q3: Is 1 point always worth ₹1?
For HDFC, yes—as of August 7, 2025, 1 reward point = up to ₹1.
Q4: Can normal users benefit too?
Absolutely. Even if you’re salaried or have only shopping needs—cards like UPI RuPay ones and disciplined usage can earn you cashback and points.
Q5: How do I avoid debt traps?
Stick to your budget, pay on time, and don’t spend just to earn points. Focus on needed spending and discipline wins.
Final Word: Simple Smarts Make Big Gains
You don’t need to spend more to earn more. Just use your credit card strategically—paying tax, bills, and shopping via the right channels. Stay disciplined, reap the rewards. That’s exactly what Suraj Kumar Talreja from Pune did—and it turned into ₹2 lakh worth of value.