Paying ₹5L HDFC Life Premium via Amazon Pay – Anyone Tried This?

[vaibhav111vaibhav111 is verified member.]

Hi everyone,


I have a life insurance premium of ₹5,11,250 (HDFC Life) due in 8 days, and I’m exploring the best way to make the payment for maximum rewards.


🔹 Plan I’m Considering:

• Use Amazon Pay option (supported by HDFC Life).
• To fund ₹5L, I’d need to buy 50 × ₹10,000 Amazon Pay Gift Cards (from amazon.in will buy 4L amazon pay using amex plat travel and 20k from mrcc and rest infinia)
• Expected savings: ~₹4,790 + card rewards. (hdfc life charges between 0.75% to 0.85%)
• For cards:
  • Amex Platinum Travel → No base RPs, but counts for milestone but if i buy amazon gv then 8000 MR Point extra on top of 40,000 MR Points and 10,000 Taj voucher
  • Amex MRCC → Could get ~2,000 MR points if I put ₹20k through.
  • HDFC Infinia → Rest i can put on infinia if needed.

🔹 Concerns I Have:

• Has anyone here successfully purchased ₹5L worth of Amazon GVs in one go (50 transactions)? i will buy 50-70k thousand of amazon pay each day is that issue i should i brought earlier though.
• Is there any Amazon account freeze risk for such large GV purchases?
• Any issues with Amex flagging/blocking due to back-to-back GV transactions?
• How smooth is the Amazon Pay → HDFC Life payment flow for such large premiums? Any delays/refunds?
• Would it be safer to split across cards (e.g. ₹20k MRCC, milestone via Amex Plat, rest via Infinia) instead of going all-in on Amazon Pay?

Basically, I’m trying to balance reward maximization with execution risk. Never attempted such a big txn via Amazon Pay before, so would love to hear your experiences and suggestions. 🙏

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