Personal Credit Card Portfolio: Yearly Review of Rewards Earned and Redeemed 2024

[draja-cc]

Dada you are an inspiration.... It's not a joke to accumulate such points without intelligent optimization of earning and burning the rewards points.
I don't think if one has the spend equal to yours one would get 16 hdfc dc and keep track of them. It requires intelligent optimization and dedication!!!

 

[Hemang]

@rudr_26 @ashwinikumar900

What do you guys exactly mean by optimize your spends? Can you give an example?

The amount you spend is irrelevant if you don't optimize your spending

Everyone can OPTIMIZE their Spending" should be the key takeaway from this.

Very truly said. Muje mera hdfc ka manager yahi kehta rehta hai ki regalia gold se spend karo. Aur me bhi usse yahi kehta hu ki reward rate itna kam hai ki haath chalte nahi hai regalia gold ka number dalte hue.
Atleast the instant discount and reward points should be good, regalia gold se jyada return usse sasta tata hdfc infinity de deta hai, instant discount on tata neu + Neu pass return + Infinity return of 5% and compared to this regalia gold gives peanuts along with redemption fees.