Rs. 1 Crore in Credit Card Reward Points: How Much Can You Earn?

[TechnoFinoTechnoFino is verified member.]

Recently, I posted a video on the TechnoFino YouTube channel where I shared how I’ve earned over ₹1 crore worth of credit card reward points in the last few years.
Yes, you read that right - ₹1 crore worth of rewards, purely through smart and disciplined use of credit cards.



Credit cards are an amazing financial tool if used responsibly. They can help you save money, earn travel benefits, and enjoy exclusive perks. But if you want to maximize your reward points, you need to follow a few golden rules:

1. Choose Your Credit Card Wisely
Everyone’s spending habits are different. Some people spend more on shopping, some on travel, some on insurance, and so on. Don’t blindly follow others - choose a card that matches your lifestyle and spending pattern. That’s the key to earning meaningful rewards.

2. Use Credit Cards Smartly​

Always find ways to maximize your reward earning potential.
For example, if you're planning to buy something from Amazon, instead of directly using your card, buy an Amazon gift voucher through your card issuer’s accelerated rewards portal. Then use that voucher on Amazon. This simple trick can earn you significantly more reward points than a regular transaction.

3. Consider Premium or Super-Premium Credit Cards​

If your monthly spending is high, don’t be afraid to go for premium or super-premium cards. Yes, they come with higher annual fees, but the benefits, reward rates, and milestones often outweigh the cost. Do the math - it might just be worth it.

4. Spending Power Matters​

Let’s be honest - you can’t earn a massive amount of reward points without significant spending. Smart usage is important, but to collect lakhs or crores worth of points or air miles, you need to use your cards consistently over time with high-value transactions. Be patient - your rewards will grow as your spending power does.

5. Never Ever Overspend​

This is the most important rule.
Only spend on what you truly need. Never buy something just to earn extra reward points or to hit a milestone. That’s a trap—and it can ruin you financially. Rewards are great, but not at the cost of debt or poor money decisions. Be disciplined and cautious.

I’ve also compiled a detailed list of all the credit cards I’ve used over the last 4–5 years and the approximate value of the reward points I earned with each. Together, they add up to over ₹1 crore in value.


Related Article:
Personal Credit Card Portfolio: Yearly Review of Rewards Earned and Redeemed 2024: https://www.technofino.in/community...ew-of-rewards-earned-and-redeemed-2024.36169/

Check out the full breakdown in my latest video on the TechnoFino YouTube channel!

 

[CardTroller]

I demand Guinness World Record for dada.

 

[Jackj068]

How do we earn debit card rewards for using IDFC Wealth DC for CC payment?

 

[ontherocks]

4. Spending Power Matters
Let’s be honest - you can’t earn a massive amount of reward points without significant spending. Smart usage is important, but to collect lakhs or crores worth of points or air miles, you need to use your cards consistently over time with high-value transactions. Be patient - your rewards will grow as your spending power does.

Most important point

 

[sahilgulati5]

How many years did you take to earn these reward points?

 

[Farhad sekh]

How you have 16 hdfc esp DC?

 

[abhiver]

How you have 16 hdfc esp DC?

You can get multiple debit card by having multiple account with the bank. One card each account. Also you can manage them through one app but separate set up.

 

[2025]

Also you can manage them through one app but separate set up.

Could you please elaborate more.

 

[ccdc]

How many staff you have to handle these cards and which card to pay from what....how much has already been paid from what card....

 

[abhiver]

Could you please elaborate more.

Open two account (it must be of different variant) with them, they pool them through one customer ID number. Login to your netbanking or app and you can see two different account number, with there seperate debit card number, link them accordingly. and then request for higher variant card through upgrade option appears in your app.

 

[Virtual King]

Together, they add up to over ₹1 crore in value.

Kudos to you...!

Wishing you many more such feathers in your cap....!

All the best for your future endeavours...! 👍

 

[msd07]

How how how so much spends...

 

[2025]

Yes, you read that right - ₹1 crore worth of rewards, purely through smart and disciplined use of credit cards.

Sir, one thing I missed previously, and I want to ask you straight: How much of it is "purely through smart and disciplined use of credit cards".

Don't you think "taking advantage of credit card-related loopholes" is a better fit instead of that statement? Sorry if I am being too straight.

-----------
Before everyone looks at too much inside to find that one crore, look at the reward figures...
About 77% of it came from Amex, Infinia, and Magnus.
1. Magnus- No longer possible
2. Infinia - Now capped
3. Amex - Stopped onboarding customers and imposed more restrictions.

Next, about 18% came from
Yes Private - Don't know much about it
SC Ultimate - Now, not possible
HDFC Platinum DC - Now restricted a bit.

Perhaps he shared this now because those options are not useful anymore for him. This is just an idea of how loopholes exist in the banking system and how insiders, biggies, and well-informed people are taking advantage of banking hacks. Right or wrong that's a different issue. Respect for him for shedding some light to show us the endless possibilities.

Here, we are looking at pennies, 0.5%, 1.0%, 2.5%, and 5% at max. Biggies has a broad vision. Probably their game is still on. Yet for another time we are not part of it.

 

[sumeet]

Now the speed may get slow but experience matters

 

[vivekshah]

How are can we pay HL and PL payment from debit card ?

 

[palen]

You should have made this video in English.

 

[TechnoFinoTechnoFino is verified member.]

Found some old but golden screenshots... reward point redemption emails from the Standard Chartered Ultimate Credit Card. The journey to ₹1 crore worth of credit card reward points!