DEAL HACK: How I Buy a 24KT Gold Coin at a 22%+ Discount Every Month

Introduction

What if you could buy a 24KT gold coin every single month at a significant discount to the market rate, using nothing but your HDFC Infinia card and a clever, little-known shopping portal trick?

It sounds too good to be true, but it’s not. For months, I have been using a specific method to purchase gold coins at a recurring discount of 22-24% compared to the prices you see online or at a jeweller.

Welcome to what might be one of the most valuable guides you’ll ever read on Dealuni.com. In this article, I’m going to pull back the curtain and show you the exact, step-by-step process I use. This isn’t about a one-time offer; it’s a repeatable strategy you can use month after month.

Disclaimer: This is an advanced strategy that requires careful execution. The terms and conditions of bank portals and brand vouchers can change without notice. This guide is based on my personal experience, and you should always do your own due diligence.

Now, let’s get you some discounted gold.

The “Ingredients”: What You’ll Need for This Hack

To pull this off, you’ll need a few key tools. Make sure you have these ready before you start:

• Your Key Tool: An HDFC Infinia or HDFC Diners Club Black credit card.
• The Platform: Access to the HDFC SmartBuy online portal.
• The Intermediary: An account on Myntra.
• The Goal: Purchase your 24KT Gold Coin.

The Step-by-Step Process (The Secret Sauce)

This process involves a clever, multi-step voucher conversion. Follow these steps exactly to ensure you get your discount.

Step 1: Go to the HDFC SmartBuy Portal

Log into your HDFC account and navigate to the SmartBuy portal. In the main menu, find the “Instant Vouchers” or “Gyftr” section.

Step 2: Purchase Myntra Vouchers

From the list of brands on SmartBuy, find and select “Myntra.” This is the crucial first purchase. Using your Infinia card here is what triggers the 5x Reward Points on the transaction. Remember to stay within the monthly cap for Myntra vouchers (currently ₹25,000 per month) to ensure you get your bonus points.

Step 3: Apply the “BLINKDEAL” Coupon & Convert Your Voucher

This is the most important and time-sensitive part of the hack. You need to act fast to catch the special discount.

1. Log in to your Myntra account and navigate to the section for buying Gold Coins.
2. Select “Tanishq” or “Mia by Tanishq,” or any other Gold Coin Brand you like and trust.
3. Now, you need to look for a coupon code. Almost every day, for a few minutes at a time, a coupon BLINKDEAL appears. This coupon gives you a flat 8% instant discount on the Gold Coin purchase.
4. You need to be patient and keep an eye out for it. Once it appears, apply the coupon code.
5. Pay the discounted amount using your Myntra e-gift voucher balance from Step 2.

The Math: Breaking Down the 22-24% Savings

Now, let’s put it all together and see how the savings stack up. For this example, let’s say our goal is to acquire a ₹25,000 gold coin.

Step	Action & Calculation	Cost / Value
1. Initial Purchase	Buy ₹25,000 of Myntra Vouchers on SmartBuy.	– ₹25,000
2. Points Earned	Earn 5x points (₹25,000 / ₹150 * 5 points).	+ 4125 HDFC Points
3. Myntra Discount	Use the BLINKDEAL coupon on Myntra for 8% off.	+ ₹2,000

Let’s calculate your net cost for this ₹25,000 gold coin, using a value of ₹1.0 per HDFC point used on Hotel & Flight Booking:

• You Paid on SmartBuy: ₹25,000
• You Got Back (BLINKDEAL): - ₹2,000
• Value of Points Earned (4,125 x ₹1.0): - ₹4,125

Your Net Cost for a ₹25,000 Gold Coin = ₹18,875

Now, let’s calculate your final discount percentage:

• Total Savings: ₹25,000 (Value) – ₹18,875 (Net Cost) = ₹6,125
• Discount Percentage: (₹6,125 / ₹25,000) * 100 = 24.5%

There you have it. A repeatable, ~24% discount on physical gold.

Conclusion: Think Outside the Box

This strategy is a perfect example of the Dealuni.com philosophy. It’s about looking at the tools you have, understanding the systems, and finding creative ways to extract extraordinary value. It requires a bit of effort, but the rewards are clearly worth it.

Always remember to check the terms and conditions on all platforms before you make a purchase, as these kinds of deals can change. But for now, this remains one of the most powerful savings hacks in the Indian credit card space.