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Biz Black - as floater with Infinia

TripleAce said:
Hi,
I am about to receive my BizBlack tomorrow as a floater to my Infinia. I use PayZapp ‘Shop’ to buy 5X and 10X and also the GVs.
Please explain how can I buy GVs with a separate Gyftr account?
Also, how to optimise the best out of Infinia + BizBlack?
Thank you 🙏🏼 🙏🏼
Click to expand...
I have both cards.
BIZ black is superior for GST,income tax, insurance paymant....in rest of all category infinia is better in every aspect. Infinia give better reward point than bizblack in similar category... for 10 x and 5x extra rewards required minimum amount transcation in selected category....plus capping is different in both cards (15000 vs 10000). Using Payzapp does not give any extra points unless it specifically mentioned.
Main issue is utilizing rewards point ( Fights & hotels,Tanishq/apple products/airmiles = 1 rs value), in other category it is worthless.
Dont spend on GV unless you need it/for milestone benfits/for annual fee waiver.
Infinia and bizblack have seprate limit so dont worry about it for using Gyftr accountant.( some user faced Gv acountant block by misusing cards).
In many POS dinners club network was not working plus 1% surcharge for fuel purchase.
 
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Abhi1986476 said:
I have both cards.
BIZ black is superior for GST,income tax, insurance paymant....in rest of all category infinia is better in every aspect. Infinia give better reward point than bizblack in similar category... for 10 x and 5x extra rewards required minimum amount transcation in selected category....plus capping is different in both cards (15000 vs 10000). Using Payzapp does not give any extra points unless it specifically mentioned.
Main issue is utilizing rewards point ( Fights & hotels,Tanishq/apple products/airmiles = 1 rs value), in other category it is worthless.
Dont spend on GV unless you need it/for milestone benfits/for annual fee waiver.
Infinia and bizblack have seprate limit so dont worry about it for using Gyftr accountant.( some user faced Gv acountant block by misusing cards).
In many POS dinners club network was not working plus 1% surcharge for fuel purchase.
Click to expand...
Thank you for your reply.
Cheers
 
What is the next level of grievance redresszl email? I've been pushing them to get Biz Black, but they are not giving. Where should i escalate?
 
Hello friends,

I have Infinia, Amex Plat Travel. MRCC and many other LTF cards. I used to have Diners Black - but upgraded to Infinia.

I am now wondering to get next card - Axis Atlas or BizBlack? I expect increasing GST payments in the future - although amount is less now. I also like the Axis Atlas miles and conversion. I will have a lot of education spends (domestic college) over the next 5 years. So want to plan strategically to use different cards where I can maximize benefits. Any thoughts or suggestions on this?

Note, I also have Tata Neu Infinity and Swiggy - both as LTF. I had applied a couple of months back for Biz Black but got rejected. Bank CC person told me that HDFC will not approve more than 3 floater cards. So I am planning to close Swiggy card and then reapply for Biz Black.

Any suggestions or thoughts on this? Thanks in advance.
 
adag said:
Hello friends,

I have Infinia, Amex Plat Travel. MRCC and many other LTF cards. I used to have Diners Black - but upgraded to Infinia.

I am now wondering to get next card - Axis Atlas or BizBlack? I expect increasing GST payments in the future - although amount is less now. I also like the Axis Atlas miles and conversion. I will have a lot of education spends (domestic college) over the next 5 years. So want to plan strategically to use different cards where I can maximize benefits. Any thoughts or suggestions on this?

Note, I also have Tata Neu Infinity and Swiggy - both as LTF. I had applied a couple of months back for Biz Black but got rejected. Bank CC person told me that HDFC will not approve more than 3 floater cards. So I am planning to close Swiggy card and then reapply for Biz Black.

Any suggestions or thoughts on this? Thanks in advance.
Click to expand...
Monthly spends should be minimum 50,000 in order to get the 5X on GST, Utility, Tax and other related expenses.
Plan accordingly.
Too many posts related to it for your ease of understanding. Kindly go through …..
 
I have a small doubt , how exactly do we get 5X points back on insurance payments..?
for tax its specifically GST payment via payment.gst.gov.in, Income tax is via eportal.incometax.gov.in
How does it track insurance payments is there a specific link via which we have to do insurance payments, also are all insurance payments covered like health insurance, term insurance etc..?
 
sanarora said:
I have a small doubt , how exactly do we get 5X points back on insurance payments..?
for tax its specifically GST payment via payment.gst.gov.in, Income tax is via eportal.incometax.gov.in
How does it track insurance payments is there a specific link via which we have to do insurance payments, also are all insurance payments covered like health insurance, term insurance etc..?
Click to expand...
Mcc in payment gateway
Still better to choose hdfc gateway if available
 
sanarora said:
I have a small doubt , how exactly do we get 5X points back on insurance payments..?
for tax its specifically GST payment via payment.gst.gov.in, Income tax is via eportal.incometax.gov.in
How does it track insurance payments is there a specific link via which we have to do insurance payments, also are all insurance payments covered like health insurance, term insurance etc..?
Click to expand...
Use payzapp for insurence payment...you will get 5x.
 
Sobirvs said:
insurance not covered for 5x. Many categories included except insurance.

source : https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Business Credit Card/Biz Black/BizBlack-Metal-Edition-Credit-Card-Reward-Points-Program.pdf
Click to expand...
"• All PayZapp transactions will be eligible for 5X Reward Points except spendson Clubs, Housing, Rent, Hospital, Education, Donation, fastag, Municipal tax,Mutual funds, Loans, Credit Card payments, Wallet Load."
where is it mentioned that insurance payments not eligible for 5X , am I missing something here..??
 
sanarora said:
"• All PayZapp transactions will be eligible for 5X Reward Points except spendson Clubs, Housing, Rent, Hospital, Education, Donation, fastag, Municipal tax,Mutual funds, Loans, Credit Card payments, Wallet Load."
where is it mentioned that insurance payments not eligible for 5X , am I missing something here..??
Click to expand...


Ignore my post, I am an idiot, you do the trxn and enjoy 5x if you receive it.
 
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