What if we told you that you could earn Rs2 lakh — just by using your credit cards smartly? No gimmicks. No overspending. Just disciplined, strategic usage. That’s exactly what Suraj Kumar Talreja, a Pune-based data analyst, did over the last year.
Working with V Square Systems and formerly employed at Standard Chartered Bank, Talreja recently took to X (formerly Twitter) to share his journey of earning 2,00,000 reward points — equivalent to Rs 2,00,000 — through his HDFC BizBlack and Infinia credit cards.
Here’s how I earned 2,00,000 reward points in just 1 year worth a whopping ₹2,00,000 using my HDFC BizBlack & Infinia cardsNo overspending. Just smart planning.
Here’s a thread for anyone who wants to truly master credit cards 🧵👇
— Suraj Kumar Talreja (@suritalreja) August 6, 2025
Here's a brief how exactly Talreja used his cards to the maximum.
HDFC BizBlack: His Tax-Saving Weapon
While most of us dread paying taxes, Talreja used them as an opportunity. His BizBlack card offers 5X reward points on tax and utility payments, including GST and advance tax. And each point is worth Rs 1, as per HDFC’s website (as of August 7, 2025).
His formula was simple:
If BizBlack was the workhorse, Infinia was the powerhouse. Talreja calls it a “reward-generating machine” when used wisely through SmartBuy and GYFTR vouchers (Gift Your Friends The Reward).
He earned another 1,00,000 points — worth Rs 1,00,000 — just from these tactics:
SmartBuy + GYFTR = My Power Combo, he says.
Here’s how he did it:
Buy vouchers (earn points), use them to purchase gold coins (discounted), and enjoy both investment and reward value.
Infinia Point Mechanics:
Here are his golden rules for using credit cards:
Discover the latest Business News, Sensex, and Nifty updates. Obtain Personal Finance insights, tax queries, and expert opinions on Moneycontrol or download the Moneycontrol App to stay updated!
Find the best of Al News in one place, specially curated for you every weekend.
Stay on top of the latest tech trends and biggest startup news.