How I Earn 12,000+ HDFC Infinia Points Every Single Month
Introduction
The HDFC Infinia is famous for its premium perks, but what does that mean in terms of real, predictable monthly earnings? Can you actually earn a significant number of points from just… normal life?
The answer is a resounding yes.
Welcome to a transparent, real-world guide to my personal points-earning strategy. I’m going to show you the exact template I use to consistently generate over 12,000 HDFC Reward Points every single month, without any special business expenses or crazy spending.
That’s nearly 150,000 points a year—enough for a round-trip business class ticket to Europe or a luxurious family holiday, funded entirely by everyday expenses.
This guide will show you how.
The Golden Rule: We Channel, We Don’t Overspend
Before we look at a single number, let’s get the most important thing straight.
The Savvy Mentor’s Golden Rule: A Note on Responsible Spending
The world of points and miles is exciting, but it comes with one non-negotiable rule that we take very seriously at Dealuni.com:
Never spend money you don’t have just to earn points.
The strategies on this website are designed to help you maximize rewards on your existing, everyday spending—the money you would be spending anyway on groceries, fuel, bills, and planned purchases. The goal is to channel your normal cash flow through the right cards to unlock value, not to create new, unnecessary expenses.
Credit card points are only valuable if you pay your bill in full and on time, every single month. The interest payments and late fees from carrying a balance will instantly wipe out any rewards you could possibly earn.
Please, travel hack responsibly.
To put it simply, the goal of this strategy is not to spend more money. It’s to strategically channel the money you are already spending on essentials through the right cards and portals to maximize the value you get back.
The Breakdown: The Core Strategy
My entire strategy revolves around one powerful habit: channeling all predictable monthly expenses through high-value e-gift vouchers purchased on the HDFC SmartBuy portal. This ensures I get the maximum 5x points multiplier on a huge portion of my family’s budget.
Every month, I purchase the following vouchers:
- Swiggy Money: ₹10,000 (for food delivery and Instamart groceries)
- Flipkart: ₹10,000 (for electronics and other shopping)
- Amazon Pay: ₹10,000 (for bills, recharges, and other online payments)
- Amazon Shopping/Fresh: ₹20,000 (for groceries and household items)
- Myntra: ₹25,000 (for apparel and leveraging the Gold Hack)
This simple, planned purchase of ₹75,000 in vouchers is the engine that powers my entire points-earning for the month.
The Tally: A Detailed Monthly Points Breakdown
So, how does the monthly spend of ₹75,000 on SmartBuy vouchers break down into over 12,000 points? It’s a combination of the base points you always get, plus a massive bonus from SmartBuy.
Here’s a clear look at the math:
| Spending | Base Points (1x) | Bonus Points (4x) | Total Points Earned |
| ₹75,000 | 2,500 | 10,000 | 12,500 |
Let’s break that down:
- Base Points (1x): On any spending with the Infinia card, you earn 5 points per ₹150. So, (₹75,000 / 150) * 5 = 2,500 Base Points. These points have no monthly limit.
- Bonus Points (4x): The “5x” promotion on SmartBuy is actually your 1x base points plus a 4x bonus. So, 2,500 (base) * 4 = 10,000 Bonus Points.
- The Bonus Cap: The HDFC Infinia card has a monthly cap of 15,000 on bonus reward points earned via SmartBuy. Our 10,000 bonus points are well within this limit, making this a sustainable monthly strategy.
By strategically channeling your spending through the SmartBuy portal, you successfully earned 12,500 points in a single month from predictable expenses.
That’s it. One strategic action, one hour of planning per month, results in 12,500 HDFC Reward Points. This is a powerful demonstration of working smarter, not just spending more. Annually, this single habit generates 150,000 points—enough for a round-trip business class ticket to many international destinations.
Going for More: Quarterly Bonus Points (The 10x Multipliers)
The 12,500 points we earn every month are a consistent baseline from our regular, day-to-day activities. However, we can strategically boost our earnings even further by planning our occasional, larger purchases around SmartBuy’s incredible 10x multiplier partners.
This is not about “manufactured spending” (buying things just for points). This is about smart, planned consumption.
For example, once a quarter, if we have a genuine need, we can channel our spending through partners like:
- Hotel Bookings: Planning a family vacation? Booking it through the SmartBuy portal can yield a massive 10x points on the entire stay.
- Jockey: Stocking up on innerwear and essentials for the family.
- PharmEasy: Placing a large quarterly order for medicines and health supplies.
By timing these necessary, pre-planned purchases through the portal, we can easily add an extra 5,000 to 10,000 bonus points in a given month without spending a single extra rupee we weren’t already planning to spend. This is how you take your points earning to the next level.
Conclusion: Your Monthly Points Machine
And there you have it. A real-world, repeatable blueprint for earning over 12,000 HDFC Infinia points every single month.
As you can see, the secret isn’t about spending more money. It’s about being strategic with the money you’re already spending. By channeling your predictable monthly expenses through the right portals and leveraging the right multipliers, you transform your regular family budget into a powerful travel-hacking engine.
This is the core philosophy of Dealuni.com—working smarter to unlock incredible value. 12,000 points a month is not an impossible dream; it’s the result of a deliberate, responsible plan.
Now, it’s your turn.
What’s the most creative way you use your credit card to earn points on everyday spends? Share your best tip in the comments below!
