Mastering Spends: The Strategic Advantage of Gift Cards with Your Premium Credit Card
📅 Updated as of 28 Sep 2026 ⚠️ What’s changed: Amex replaced Reward Multiplier with ShopWise in February 2026 (new fees and caps), so the Amex maths here is outdated. SmartBuy and Gyftr discounts/multipliers change month to month, and HDFC’s 15,000 bonus RP monthly cap now includes vouchers. Check the live rate before you buy….