💳 How to Earn 10X Credit Card Rewards in India: SmartBuy & GyFTR Hacks
If you’re only earning 2–3% rewards on your credit card spends, you’re leaving serious money on the table. Smart cardholders in India regularly earn 10–30% back on flights, hotels, shopping, and even everyday bills.
The secret? Affiliate portals like HDFC SmartBuy and instant vouchers from GyFTR.
In this guide, we’ll show you exactly how to maximize your points and miles with practical, step-by-step actions.
🚀 Why Most People Earn Only 2–3% Rewards
Most premium credit cards (HDFC Infinia, Axis Magnus, IDFC Wealth, etc.) offer a base reward rate of 2–3.3%.
That’s decent, but not enough to fund free vacations or luxury hotels. The real magic lies in multipliers and affiliate partnerships, where banks pass on commissions as extra points.
📌 Step 1: Leverage Affiliate Portals
Banks run affiliate websites that give you 5X–10X rewards when you shop or book through them.
🔹 Example: HDFC SmartBuy Multipliers
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✈️ Flights → 5X rewards (≈ 16.5% return on Infinia)
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🏨 Hotels → 10X rewards (≈ 33% return)
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🚆 Trains & buses → Eligible for multipliers
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🛍️ Shopping → Myntra, Flipkart, Amazon (via SmartBuy links)
✅ Action: Always start your booking from the affiliate portal, not directly from the merchant.
📌 Step 2: Use GyFTR Instant Vouchers
One of the biggest hacks is GyFTR Instant Vouchers (accessible via HDFC SmartBuy). These are prepaid gift cards that can be redeemed on Amazon, Swiggy, Myntra, Blinkit, and more.
🔹 Why This Works
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Amazon Pay vouchers → pay electricity, broadband, mobile, water bills
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Swiggy/Zomato vouchers → food delivery with bonus points
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Myntra vouchers → fashion shopping
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Grocery vouchers → Blinkit, BigBasket
✅ Action: On the 1st of every month, buy vouchers for categories you spend on regularly.
📌 Step 3: Convert Non-Rewarding Spends into High-Reward Spends
Most credit cards don’t give points on utility bills — that’s thousands of rupees wasted.
👉 Instead, buy Amazon Pay vouchers on GyFTR → load into Amazon → pay bills.
Example:
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₹10,000 monthly bills = usually 0 points.
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With vouchers = 16–30% back in points.
📌 Step 4: Track Monthly Limits & Caps
Each bank sets a monthly cap for accelerated rewards.
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HDFC Infinia → ₹1,00,000/month for SmartBuy 10X
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Other cards → lower caps depending on variant
✅ Action:
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Prioritize large spends within the cap
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After hitting cap → switch to base card usage
📌 Step 5: Redeem Smartly
Not all redemptions are equal.
🔹 Best Redemptions
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Flights & hotels via SmartBuy portal
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Premium airline transfer partners
🔹 Avoid
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Low-value catalogue items
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Straight statement credit
📌 Step 6: Build the “Never Pay Full Price” Habit
Before every swipe, ask:
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Can I route this through SmartBuy or GyFTR?
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Can I buy a voucher first and then spend?
Over time, this mindset ensures maximum return on every rupee spent.
🏆 Final Takeaway
By following this monthly playbook, you can earn 10X–30X rewards consistently:
✔️ Book via affiliate portals (SmartBuy, Grab Deals, etc.)
✔️ Buy instant vouchers from GyFTR
✔️ Convert non-rewarding bills into high-reward spends
✔️ Track monthly caps carefully
✔️ Redeem for maximum value (flights/hotels)
With a little planning, your credit card can pay for your next vacation.
🔑 SEO Keywords to Include in Internal Links
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Best credit card rewards India
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HDFC SmartBuy tricks
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GyFTR vouchers guide
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Axis Grab Deals vs HDFC SmartBuy
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How to maximize Infinia points
✨ Quick Summary
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💳 Base credit card rewards = 2–3% only
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🚀 Use HDFC SmartBuy / Axis Grab Deals for 5X–10X multipliers
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🎟️ Buy GyFTR instant vouchers (Amazon, Swiggy, Myntra, Blinkit) to turn daily spends into rewards
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📱 Convert non-rewarding bills (electricity, DTH, mobile) into high-reward spends with Amazon Pay vouchers
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🎯 Track your monthly caps and redeem for flights, hotels, or transfer partners for best value
✅ Do this consistently, and your credit card can easily pay for your next free vacation.
🚀 Call to Action
👉 Stop wasting rewards.
👉 Start using SmartBuy & GyFTR hacks today.
👉 Turn every swipe into 10X value and travel smarter, not harder.
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