Infinia gyftr question

[sd.ac]

I buy a (mandatory) Amazon 10K voucher each month from Gyftr using my Infinia card. I now realize that I may not be using Gyftr enough... For example, there are Swiggy & Zomato vouchers on Gyftr which I don't buy - this is because I hold a few LTF cards that give 'cash' discounts on these apps: Axis Neo on Zomato gives a fixed Rs 120 off (on orders over Rs. 500). So a Rs. 1000 order would yield a reward of about 12%... less than the ~16% returns from Gyftr.

Question: should I just use Infinia-Gyftr vouchers for both platforms? What about groceries? I recently found out that Amazon-Fresh vouchers come with no extra charge on Gyftr (unlike Amazon-Pay or Amazon-Shopping). This seems to be a good work-around to BigBasket which comes with a paltry Rs. 1500/month voucher limit on Gyftr.

Your thoughts or advice would be most welcome.

Thank you

 

[shashank08]

I buy a (mandatory) Amazon 10K voucher each month from Gyftr using my Infinia card. I now realize that I may not be using Gyftr enough... For example, there are Swiggy & Zomato vouchers on Gyftr which I don't buy - this is because I hold a few LTF cards that give 'cash' discounts on these apps: Axis Neo on Zomato gives a fixed Rs 120 off (on orders over Rs. 500). So a Rs. 1000 order would yield a reward of about 12%... less than the ~16% returns from Gyftr.

Question: should I just use Infinia-Gyftr vouchers for both platforms? What about groceries? I recently found out that Amazon-Fresh vouchers come with no extra charge on Gyftr (unlike Amazon-Pay or Amazon-Shopping). This seems to be a good work-around to BigBasket which comes with a paltry Rs. 1500/month voucher limit on Gyftr.

Your thoughts or advice would be most welcome.

Thank you

IMO.. if you are able to extract value with RPs then good idea to go ahead with gyftr purchases if it is providing higher value.

 

[sd.ac]

IMO.. if you are able to extract value with RPs then good idea to go ahead with gyftr purchases if it is providing higher value.

Thank you. Yes, I'm able to do domestic air-travel bookings using these points.

 

[nikhilv0303]

Thank you. Yes, I'm able to do domestic air-travel bookings using these points.

Yeah in case you’re able to use the RPs well, buy Gyftr vouchers
Additional benefit I see is no Otp payouts.. which are super smooth

 

[TripleAce]

Better to compare the rates before proceeding. I found Flipkart grocery to be much cheaper than Big Basket. Almost all brand vouchers are there in gyftr so the choice is plenty!!
Great deals can be found if you have time in your hand.
Don’t forget to check Blinkit & Swiggy Instamart..

 

[shashank08]

Thank you. Yes, I'm able to do domestic air-travel bookings using these points.

Then its good to go ahead with gyftr..

As gyftr us providing back higher value in terms of points and you are able to extract at least 1:1 value using those points..

 

[wiizzard]

Here is how I think about these, if an instant discount is >10% or so, I switch to instant discount else use vouchers.
Why? Because reward points are future value and you don't he exact Rs1 value, e.g flights on smartbuy come with a significant convenience fee.

 

[shashank08]

Better to compare the rates before proceeding. I found Flipkart grocery to be much cheaper than Big Basket.
Great deals can be found if you have time in your hand.
Don’t forget to check Blinkit & Swiggy Instamart..

True flipkart grocery i also found cheaper than BB..

I usually take kind of triple dip on BB..
i try to order during initial days of the month where there is offer of extra 100/150 neu coins offer.
Usually you will find 10% instant discount on axis card where I use Airtel axis bank CC which further gives 10% statement credit for BB transactions.. 😉 😉

 

[dexter_greycells]

Here is how I think about these, if an instant discount is >10% or so, I switch to instant discount else use vouchers.
Why? Because reward points are future value and you don't he exact Rs1 value, e.g flights on smartbuy come with a significant convenience fee.

This is EXACTLY my thought process too. The word 'instant' also means you save interest on that amount. I tend to use my RPs typically once or twice a year.