Hilton Honors Loyalty Program Overview

Hilton Honors is Hilton’s award-winning loyalty program, providing members with numerous ways to earn and redeem points across its extensive network of hotels and resorts. Here’s a detailed look at the program:

Overview:

Hilton Honors stands out for its simplicity, generous rewards, and accessibility to elite status, making it a favorite among travelers. With no blackout dates for reward stays, the program offers flexibility and value for both frequent and occasional travelers.

Membership Tiers:

• Member: The entry level, free to join.
  • Benefits: Earn points on stays, free standard Wi-Fi, no resort fees on award stays, digital check-in/check-out, digital key, and member-exclusive rates.
• Silver: Attained with 4 stays, 10 nights, or 25,000 Base Points per calendar year.
  • Benefits: Includes all Member perks plus:
    • 20% bonus on Base Points earned per stay.
    • 5th night free on award stays of 5+ nights.
    • Two complimentary bottles of water per stay (at most properties).
• Gold: Requires 20 stays, 40 nights, or 75,000 Base Points annually.
  • Benefits: Adds to Silver with:
    • 80% bonus on Base Points.
    • Space-available room upgrades, including to suites when available.
    • Complimentary breakfast or food & beverage credit at participating hotels.
    • Guaranteed room availability when booked 24 hours in advance.
• Diamond: Achieved with 30 stays, 60 nights, or 120,000 Base Points per year.
  • Benefits: Encompasses Gold benefits plus:
    • 100% bonus on Base Points.
    • Executive lounge access or complimentary breakfast for two.
    • Enhanced room upgrades when available, including suites.
    • 48-hour room guarantee and a 48-hour room hold.

Earning Points:

• Hotel Stays: Earn 10 Base Points per $1 spent on room rates at most Hilton brands, with additional bonus points for higher membership tiers.
• Hilton Honors Credit Cards: Earn points through spending on co-branded credit cards from issuers like American Express. These cards often come with perks like automatic elite status or bonus points.
• Dining: The Hilton Honors Dining program allows members to earn points at participating restaurants.
• Partners: Earn points through travel (car rentals, cruises), shopping, and lifestyle partners.
• Promotions: Hilton frequently offers promotions where members can earn extra points, like double points on stays or bonuses for reaching spending thresholds.

Redemption Options:

• Hotel Stays: Redeem points for free nights with a dynamic pricing model where the cost in points varies by hotel, demand, and season.
  • 5th Night Free: A significant perk where every 5th night is free when booking reward stays with points for 5 or more consecutive nights.
• Points & Money: Combine points with cash to book stays, offering flexibility if you don’t have enough points for a full redemption.
• Experiences: Through the Hilton Honors Experiences platform, members can bid points for unique experiences like concerts or sports events.
• Shopping & Gift Cards: Points can be used for gift cards, shopping, or through the Hilton Honors Shopping portal.
• Donating Points: Members can donate their points to various charities.

Additional Perks:

• No Blackout Dates: For reward night redemptions, providing flexibility.
• Free Wi-Fi: All members get complimentary Wi-Fi for standard internet.
• Mobile App: The Hilton Honors app enhances member experience with features like booking, check-in, room selection, and digital key.

Considerations:

• Dynamic Pricing: The points needed for stays can vary, which requires strategic planning for maximum value.
• Program Changes: Benefits or earning structures can change, so staying updated is beneficial.
• Global Network: With over 6,800 properties across 122 countries, there’s a wide range for point redemption, but availability can vary.

Maximizing Your Membership:

• Consistent Stays: Aim for the nights or stays needed for higher elite statuses to unlock more benefits.
• Credit Card Benefits: Leverage co-branded credit cards for faster point accumulation and elite status.
• Utilize Promotions: Take advantage of Hilton’s frequent promotions to earn more points or achieve elite status quicker.

Hilton Honors is particularly valuable for those who can leverage its straightforward rewards system and enjoy the flexibility of point redemption across a global network.

Marriott Bonvoy Loyalty Program Overview

Marriott Bonvoy is the loyalty program for Marriott International, encompassing their vast portfolio of hotel brands, from luxury to budget options. Here’s an in-depth look at the program:

Overview:

Marriott Bonvoy replaced the former Marriott Rewards, Ritz-Carlton Rewards, and Starwood Preferred Guest programs in 2019, integrating them into one comprehensive loyalty system. It’s designed to reward guests for stays, experiences, and partnerships beyond just hotel accommodations.

Membership Tiers:

• Member: The entry level, free to join.
  • Benefits: Earn points on stays, no blackout dates for reward nights, member-exclusive rates, and mobile check-in/check-out.
• Silver Elite: Requires 10 nights, 3 stays, or 10,000 points earned in a calendar year.
  • Benefits: Includes Member perks plus 10% more points on stays, priority late check-out when available, and dedicated elite reservation line.
• Gold Elite: Earned with 25 nights, 15 stays, or 25,000 points.
  • Benefits: Adds to Silver with 25% more points, enhanced room upgrades, 2 p.m. late check-out (based on availability), and welcome gift options.
• Platinum Elite: Achieved with 50 nights, 20 stays, or 50,000 points.
  • Benefits: Enhances Gold with 50% more points, guaranteed room availability, enhanced upgrades including suites, 4 p.m. late check-out, and more welcome gift choices.
• Titanium Elite: Requires 75 nights or 75,000 points.
  • Benefits: Includes Platinum perks with an additional 75% bonus points on stays, annual choice benefit (like suite night awards), and ambassador service.
• Ambassador Elite: For 100 nights or 100,000 points with $20,000 in spend.
  • Benefits: Adds to Titanium with personalized travel and lifestyle services through a dedicated ambassador, complimentary breakfast for the member and guests, and a choice of even more exclusive benefits.

Earning Points:

• Stays: Earn points based on how much you spend, with rates varying by brand but typically 10 points per $1 spent.
• Credit Cards: Marriott Bonvoy credit cards from partners like American Express, Chase, and others offer points for everyday spending.
• Bonvoy Moments: Bid points for unique experiences like concerts, sports events, or dining.
• Partnerships: Earn points through dining, car rentals, cruises, and other travel partners.
• Promotions: Frequent promotions for bonus points, like double or triple points on stays, or for hitting certain milestones.

Redemption Options:

• Hotel Stays: Redeem points for free nights, with a dynamic pricing model where the points required fluctuate based on demand, season, and hotel category.
• Moments: Use points for exclusive experiences or events.
• Airline Miles: Convert points to miles with numerous airline partners, although the conversion rates can vary.
• Gift Cards, Products: Points can be used for gift cards, merchandise, or even charitable donations.
• Travel Packages: Combine flights and hotel stays for potentially better value than booking separately.

Additional Perks:

• No Expiry on Points: Points don’t expire as long as you have some activity in your account (earning or redeeming) every 24 months.
• Mobile App: The Marriott Bonvoy app offers booking, mobile key access, and point management.
• Milestone Rewards: Earn rewards for hitting night stay milestones, like suite night awards or bonus points.

Considerations:

• Dynamic Pricing: The points cost for hotel stays can change, making some stays more or less valuable based on timing and demand.
• Program Evolution: Benefits or earning structures might change, so keeping updated is beneficial.
• Global Network: With over 7,000 properties in 131 countries, there’s significant coverage, but availability and value can vary by location.

Maximizing Your Membership:

• Strategic Stays: Use peak and off-peak pricing to your advantage for redemptions.
• Credit Card Benefits: Leverage co-branded credit cards for accelerated points earning and elite status perks.
• Stay Often: The more you stay, the higher your tier, unlocking better benefits.

Marriott Bonvoy offers a rich landscape for travelers who frequent Marriott’s extensive brand list, providing not just hotel stays but a wide array of experiences and rewards options.

IHG One Rewards Loyalty Program Overview

IHG Rewards Club, now known as IHG One Rewards, is the loyalty program of the InterContinental Hotels Group (IHG), offering a range of benefits to its members across their portfolio of brands, from luxury to budget hotels. Here’s an overview:

Overview:

IHG One Rewards is designed to reward members for stays at IHG’s extensive network of hotels, including brands like InterContinental, Holiday Inn, Crowne Plaza, and more. The program provides points, status tiers, and a variety of redemption options.

Membership Levels:

• Club: The base level, free to join.
  • Benefits: Earn points on stays, access to member-only rates, no blackout dates on reward nights.
• Silver Elite: Earned with 10 qualifying nights or 10,000 qualifying points in a calendar year.
  • Benefits: Includes Club benefits plus 20% bonus points on paid stays, priority check-in, late checkout (subject to availability), and free internet.
• Gold Elite: Achieved with 40 qualifying nights, 20,000 qualifying points, or 40,000 qualifying base points in a year.
  • Benefits: Adds to Silver with 40% bonus points, room upgrades (when available), complimentary weekend night for every 12 nights stayed in a calendar year up to 4 nights, and early check-in (when available).
• Platinum Elite: Requires 60 qualifying nights, 40,000 qualifying points, or 60,000 qualifying base points.
  • Benefits: All Gold benefits plus 60% bonus points, guaranteed room availability, enhanced room upgrades, and a welcome amenity.
• Diamond Elite: Attained with 100 qualifying nights or 120,000 qualifying base points.
  • Benefits: Encompasses Platinum benefits with a 100% bonus on points, additional reward night for every 10 nights stayed up to 20 nights annually, and a dedicated Ambassador service for personalized support.

Earning Points:

• Points per Stay: Earn points for every dollar spent on eligible hotel stays, with the rate varying by brand and membership tier. Typically, it’s 10 points per $1 spent, but this increases with elite status.
• Promotions: Frequent promotions allow for bonus points, double or triple points on stays, or for achieving certain milestones.
• IHG Credit Cards: Points can also be earned through spending on IHG co-branded credit cards.
• Partners: Points can be earned through partnerships like car rentals, dining, and shopping.

Redemption Options:

• Hotel Stays: Redeem points for free nights, with the cost in points varying by hotel, season, and availability. There’s no blackout dates for award nights.
• Points & Cash: Use a combination of points and cash for hotel stays.
• Airline Miles: Convert points to miles with various airline partners.
• Gift Cards, Experiences: Redeem for gift cards, unique experiences, or merchandise through the IHG Rewards catalog.

Additional Perks:

• Milestone Rewards: Earned for reaching certain nights stayed in a calendar year, offering additional rewards like points or vouchers.
• No Expiry on Points: Points don’t expire as long as you maintain active membership with at least one qualifying activity (earning or redeeming) every 12 months.
• Mobile App: The IHG One Rewards app allows for easy booking, point tracking, and access to exclusive offers.

Considerations:

• Variability: The number of points required for redemption can vary significantly by hotel and time of year, so planning and flexibility can maximize value.
• Program Changes: Benefits, point values, or earning rates can change, so it’s good to stay informed via IHG’s communications.
• Global Reach: With over 6,000 hotels worldwide, the program offers substantial flexibility in terms of where you can use your points.

Maximizing Your Membership:

• Stay Often: The more you stay, the faster you’ll climb the tiers, unlocking more benefits.
• Leverage Promotions: Take advantage of promotions to earn extra points or benefits.
• Co-Branded Card: If you frequently stay at IHG, consider the benefits of an IHG credit card for additional points and elite status boosts.

IHG One Rewards is particularly appealing for those who travel often or prefer IHG’s wide array of hotel brands, offering a robust program for earning and redeeming points across a global network.

ALL Accor Loyalty Program Overview

Here’s a comprehensive overview of the ALL – Accor Live Limitless loyalty program, detailing its features, benefits, and how members can maximize their experience:

Overview:

ALL – Accor Live Limitless (formerly Le Club AccorHotels) is Accor’s global lifestyle loyalty program, designed to reward members for their stays, dining, and lifestyle experiences across Accor’s vast network of hotel brands and partners.

Membership Levels:

• Classic: The entry-level. Free to join.
  • Benefits: Earn Reward and Status Points on eligible spends.
• Silver: Achieved with 10 nights or 2,000 Status Points.
  • Benefits: Late check-out (subject to availability), welcome drink.
• Gold: Requires 30 nights or 7,000 Status Points.
  • Benefits: Includes Silver benefits plus room upgrades (excluding suites), early check-in or late check-out, welcome amenity.
• Platinum: Attained with 60 nights or 14,000 Status Points.
  • Benefits: All Gold benefits plus complimentary breakfast in Asia-Pacific, Suite Night Upgrades, executive lounge access, enhanced room upgrades.
• Diamond: The highest tier, achieved with 26,000 Status Points.
  • Benefits: All Platinum benefits, personal welcome, wider selection of upgrades, ability to gift Gold status to someone.

Earning Points:

• Reward Points:
  • Earned on:
    • Hotel stays (the ratio varies by brand and room rate)
    • Dining at participating Accor hotel restaurants (by showing your membership)
    • Shopping with partner retailers
    • Engaging with program partners like airlines or car rentals
• Status Points:
  • Earned similarly to Reward Points but used to determine your membership status. The rate is generally 1 Status Point per €10 spent.

Redemption Options:

• Hotel Stays: Points can be used to offset the cost of a stay or for a free night through the Reward points system.
• Experiences: Redeem points for unique experiences like concerts, dining, or sports events.
• Partners: Transfer points to airline miles or use them with partners for shopping or other services.
• Products: Redeem through the ALL online store for various products.

Additional Benefits:

• Discounts: Members often get access to exclusive rates or discounts on bookings.
• Airline Partnerships: Over 30 airlines where you can convert ALL points to miles, though conversion rates vary.
• Lifestyle Rewards: Points for dining, spa services, or even special event access.
• No Blackout Dates: For reward nights, though subject to availability.

Accor Plus Integration:

• Accor Plus: A premium subscription that complements ALL with additional benefits like dining discounts, a complimentary night, and automatic Silver status in ALL.

Mobile App:

• The ALL app enhances member experience by allowing point tracking, booking management, and access to exclusive offers.

Special Promotions:

• Accor often runs promotions where members can earn bonus points, double points, or other incentives for specific actions like booking through certain platforms or during promotional periods.

Considerations:

• Expiry: Reward Points expire after 365 days of inactivity.
• Program Changes: Benefits, earning rates, or redemption values can change, so it’s wise to stay updated via the ALL website or app.
• Global Reach: With properties worldwide, the program’s value is in its international scope, though members should check for participating hotels in less-traveled destinations.

Maximizing Your Membership:

• Consistent Stays: Regularly staying at Accor properties to climb status tiers.
• Point Maximization: Use special offers, leverage partner spend, and ensure you’re earning points on all eligible transactions.
• Redemption Strategy: Plan redemptions for higher value, especially for travel or unique experiences.

The ALL program is designed for travelers who appreciate a blend of hotel stays, dining, and lifestyle perks, offering a broad range of redemption and earning opportunities.

Comparison : HDFC Infinia vs HDFC Diners Club Black Metal

Here’s a comparison between the HDFC Diners Club Black Metal Credit Card and the HDFC Infinia Credit Card, focusing on their features, benefits, and how they might suit different user profiles:

Overview:

• HDFC Diners Club Black Metal is a premium card aimed at providing high rewards and travel benefits.
• HDFC Infinia is an ultra-premium, invite-only card known for its luxury perks and extensive rewards.

Eligibility:

• Diners Black Metal: Typically requires a high income or credit limit, around ₹5 lakh limit or more.
• Infinia: Invite-only, often requiring a very high income (around ₹5 lakh monthly for salaried or ₹60 lakh ITR), a significant credit limit, and a strong relationship with HDFC Bank.

Annual Fee:

• Diners Black Metal: ₹10,000 + GST, waived on spending ₹8 lakh in the previous year.
• Infinia: ₹12,500 + GST, waived on spending ₹10 lakh in the previous year.

Rewards Program:

• Diners Black Metal:
  • 5 reward points per ₹150 spent across all categories.
  • Up to 10,000 bonus reward points quarterly on spending ₹4 lakh per quarter.
  • 10X points on spends through SmartBuy, capped at 10,000 per month.
• Infinia:
  • 5 reward points per ₹150 spent across all categories.
  • No quarterly cap on bonus points for SmartBuy, with higher monthly limits for accelerated points (up to 15,000 per month).
  • 10X points on select categories through SmartBuy.

Travel Benefits:

• Diners Black Metal:
  • Unlimited airport lounge access, domestic and international.
  • 6 complimentary golf games per quarter.
  • 2% forex markup fee.
• Infinia:
  • Unlimited airport lounge access, domestic and international.
  • Unlimited complimentary golf games.
  • 2% forex markup fee.
  • More extensive concierge services.

Welcome & Milestone Benefits:

• Diners Black Metal:
  • Welcome: Complimentary memberships like Club Marriott, Amazon Prime, Swiggy One on spending ₹1.5 lakh within 90 days.
  • Milestones: Quarterly bonuses for high spends.
• Infinia:
  • Welcome: 12,500 reward points and complimentary Club Marriott membership on fee realization.
  • Milestones: Renewal benefits include 12,500 points if fee not waived.

Insurance:

• Both offer similar insurance benefits, including:
  • Accidental air death cover (Infinia up to ₹3 crore, Diners up to ₹2 crore).
  • Emergency overseas hospitalization.
  • Lost card liability coverage.

Other Perks:

• Diners Black Metal:
  • No specific renewal bonus points, but strong quarterly bonuses.
• Infinia:
  • Exclusive dining benefits at ITC hotels.
  • More extensive concierge support.

User Profiles:

• Diners Black Metal might be better for:
  • Those who can’t get the Infinia due to its invite-only status but still want premium benefits.
  • Individuals with significant spending, especially through SmartBuy, but who might not hit the spending for Infinia’s fee waiver.
• Infinia is ideal for:
  • High-net-worth individuals looking for the ultimate in luxury credit card perks.
  • Frequent travelers who want unlimited golf games and a more comprehensive concierge service.
  • Those who can meet the high spending threshold for both maximizing rewards and fee waiver.

Conclusion:

Both cards offer luxurious travel and lifestyle benefits, but the Infinia provides a step up in exclusivity, with slightly better rewards on SmartBuy and no cap on golf games. The Diners Black Metal is still an excellent choice with its own set of elite perks and a somewhat more accessible entry point. Your choice would depend on whether you can secure an invitation for Infinia, your spending habits, and how much you value the specific perks of each card.

Comparison : HDFC Infinia vs HDFC Diners Club Black

Here’s a detailed comparison between the HDFC Diners Club Black Credit Card and the HDFC Infinia Credit Card:

Overview:

• HDFC Diners Club Black: A premium credit card with a focus on travel, rewards, and lifestyle benefits, accessible to those meeting certain eligibility criteria.
• HDFC Infinia: An ultra-premium, invite-only card that offers the pinnacle of luxury, rewards, and exclusivity from HDFC Bank.

Eligibility:

• Diners Club Black: Requires a higher income level than standard cards but is not as restrictive as Infinia. Typically, a monthly income of ₹2.5 lakh for salaried or ₹30 lakh ITR for self-employed.
• Infinia: Invite-only, meaning you need to be invited based on your banking relationship with HDFC. Often requires a significantly higher income or spending history.

Annual Fees:

• Diners Club Black: ₹10,000 + GST, waived on spending ₹8 lakh annually.
• Infinia: ₹12,500 + GST, waived on spending ₹10 lakh annually.

Rewards Program:

• Diners Club Black:
  • 5 reward points per ₹150 spent across all categories.
  • Up to 10X reward points on SmartBuy purchases, with a monthly cap of 7,500 points on SmartBuy.
• Infinia:
  • 5 reward points per ₹150 spent.
  • Up to 10X reward points on SmartBuy, but with a higher monthly cap of 15,000 points.

Travel Benefits:

• Diners Club Black:
  • Unlimited Airport Lounge Access: For both primary and add-on cardholders, domestic and international.
  • Low Forex Markup: 2% on international transactions.
• Infinia:
  • Unlimited Airport Lounge Access: Similar to Diners Black, but through Priority Pass, which might offer more lounges.
  • Low Forex Markup: Also 2%.

Lifestyle and Additional Perks:

• Diners Club Black:
  • Complimentary annual memberships like Club Marriott, Amazon Prime, and Swiggy One on spending milestones.
  • 6 complimentary golf games per quarter.
  • 24/7 concierge services.
• Infinia:
  • Welcome benefits include 12,500 reward points and a year’s Club Marriott membership.
  • Unlimited complimentary golf games.
  • More extensive concierge services for personalized experiences.

Insurance:

• Both cards offer robust insurance:
  • Accidental Air Death Cover: Up to ₹2 crore for Diners Black, ₹3 crore for Infinia.
  • Emergency Overseas Hospitalization: Up to ₹50 lakh for both.
  • Lost Card Liability: Up to ₹9 lakh.

Key Differences:

• Exclusivity: Infinia is more exclusive, being an invite-only card.
• Rewards Cap: Infinia has a higher cap on SmartBuy rewards.
• Golf Privileges: Infinia offers unlimited golf games, while Diners Black is limited.
• Welcome Benefits: Infinia’s welcome benefits are more generous.

Who Should Get Each Card?

• Diners Club Black: Ideal for those who can meet the spending criteria for fee waivers, value travel perks, and want a good reward structure without needing an invite. It’s great for those who might not qualify for Infinia but still desire premium benefits.
• Infinia: Best for individuals with an established, high-value relationship with HDFC Bank, who can leverage all its premium benefits, especially if they have a lifestyle that includes extensive travel, luxury experiences, and can maximize the higher reward points cap.

Conclusion:

Both cards offer stellar benefits, but your choice would depend on:

• Your ability to get invited to Infinia.
• How much you value exclusivity versus accessibility (Diners Black is more attainable).
• Your spending habits, especially regarding travel and luxury experiences.
• Whether you can meet the spending thresholds for fee waivers on both cards.

If you’re already in HDFC’s premium customer segment, aim for Infinia if possible. If not, Diners Black remains an excellent choice with many similar perks at a slightly lower entry point.

American Express Gold Charge Card – Optimisation and Maximisation for Return and Rewards

Ready to SAVE 13% on every Amazon purchase?

How about saving 13% on bill payments, Zomato food, and Ola/Uber rides too?

It’s possible with the American Express Gold Charge Card aka Amex Gold Card. Let’s explore how you can do it.

Get the most out of your Amex Gold Card:

– Earn 1 reward point for every Rs 50 spent.

– Unlock a bonus of 1000 reward points when you complete SIX transactions worth Rs 1000 or more in a month.

– That’s a whopping total of 1120 points per month with just Rs 6000 spent.

Cracking the code on those 1120 points

Base: 1 point per Rs 50. That adds up to 120 points

Bonus: A cool 1000 points

Total tally: 120 + 1000 = 1120

Assuming 1 point = 0.50 rupees (being conservative), you’re looking at a sweet 9.33% return on your Rs 6,000 spent!

But wait, that’s not the real magic.

The REAL MAGIC is the Amex Rewards Multiplier – accelerated rewards at its finest.

When you purchase Amazon Pay Gift Cards through the Amex website, you’ll earn a whopping 5x points.

That’s right, 5 times the points!

So those initial 120 points on Rs 6000 spent? They skyrocket to an impressive 600 points.

Now that’s what I call maximizing your rewards! Whopping 5x. This works on other vouchers like Flipkart, Croma, etc

Ref apply link – https://apply.credofly.com/amex

Now you’ve got a whopping 1600 points—600 + 1000—on your Rs 6000 spend. That’s a total return of 13.33% on all your Amazon purchases, valued at 0.50 rupees per point!

But wait, there’s more! Have you thought about saving on bill payments, Ola, Uber, Zomato, and more?

You can pay for most things like recharges, Ola/Uber rides, Zomato orders, flights/hotels, etc. using your Amazon Pay wallet.

Use this 6000 Amazon Pay balance to get 13.33% savings on most of your daily expenses.

The best strategy here is to buy 6 x Rs 1000 Amazon Pay vouchers.

Don’t miss out on the Amex Gold Charge card! Get it now with our festive offer and snag 2000 bonus points, plus exclusive limited edition playing cards.

Simply apply through our referral link at to claim your 2000 bonus points & playing cards.

But hurry, the Playing Cards offer ends on October 31st – https://apply.credofly.com/amex-gold

With Amex Gold cards, every point earned can be transformed into cash or used for Amazon/Flipkart vouchers. You can even transfer them to hotels and flight partners for free stays and flights.

Check out the 18 and 24 Karat GOLD COLLECTION – where you can redeem your Points from Taj Vouchers to Shopping and travel vouchers.

24 Karat Gold Collection with 24,000 Membership Rewards® points which include:

Taj Voucher worth – Rs 14,000

Vistara voucher worth – Rs 11,000

Amazon voucher worth Rs 9,000

Flipkart voucher worth Rs 9,000

18 Karat Gold Collection with 18,000 Membership Rewards® points which include:

Taj Voucher worth – Rs 9,000

Myntra voucher worth – Rs 8,000

Amazon voucher worth Rs 7,000

Flipkart voucher worth Rs 7,000

Apply for a new Amex Gold Charge Card and score big!

Get 4,000 welcome points plus an extra 2,000 referral bonus points when you spend just Rs 5,000 in the first 90 days.

First-year fee: Rs 1,000

Second year onwards fee: Rs 4,500

Apply link – https://apply.credofly.com/amex-gold

Summarizing this, you will earn more than 25,200 MR points on Rs 72000 annual spending including referral bonus points and welcome bonus (1st year) and 19,200 points every year afterward.

That’s a whopping 17.5% return on your spending in the first year of the card and a 13.33% return second year onwards with just 72k spent. Apply here – https://apply.credofly.com/amex-gold

Credit Card Bill Payment using HDFC Billpay

EARN Rs.750 for paying your credit card bills. See how –

Using HDFC Billpay is one of the most convenient methods to pay credit card bills.

1. You can get 1% cashback up to Rs 750 per month for paying your credit card bills using an HDFC Platinum Debit card.

2. Bills are settled same day even if you get confirmation after a few days. But try to pay at least 4-5 working days before the due date.

3. Redemption can be done in multiple of Rs 250. The same is deposited in the HDFC savings account in 3-4 days.

4. One-time enrollment is good enough. No need to type credit card details every time you need to pay. It takes 4-5 days for new card enrollment.

5. Prominent credit card issuers that can not be paid using HDFC bill pay are – IDFC First Bank, Yes Bank

6. HDFC credit cards are not supported on HDFC bill pay.

7. Credit cards that are supported on HDFC bill pay are – ICICI Bank, Axis Bank, American Express, Standard Chartered Bank, Citi Bank, Kotak Mahindra Bank, IndusInd Bank, HSBC Bank, State Bank of India, etc.

8. Variants of HDFC Platinum card – EasyShop Imperia Platinum Chip Debit Card, EasyShop Preferred Platinum Debit Card, Easyshop Classic Platinum Debit Card, Easyshop Platinum Debit Card

How to add/enroll your credit card to HDFC Billpay-

1. HDFC Netbanking > Login > Billpay

2. Now click on Add Biller

3. Select Credit Card

4. Now select your card provider’s name

5. Enter your credit card details and save. It takes 4-5 days for the new biller (card) activation

How to pay your credit card bill using HDFC Billpay after enrollment –

1. HDFC Netbanking > Login > Billpay

2. Select your credit card on the Billpay screen

3. Enter the amount you want to pay

4. Select your debit card from the drop-down menu

5. Click on pay

6. Enter OTP & Done!

How to redeem your 1% cashback –

1. HDFC Netbanking > Login > Cards

2. Click on Debit Card from the left navigation and then select Enquiry.

3. Next, click on Cashback Enquiry & Redemption

4. You will see your 1% rewards here.

5. You can redeem in multiples of Rs. 250.

A few IMPORTANT things to remember –

New credit card activation takes 4-5 days.

Select the DEBIT CARD option for payment to get 1%. If you select net banking by mistake you won’t get rewards.

Payment confirmation is not instant.

Payment acknowledgment comes in 1 to 5 days depending upon the credit card you are paying. RBL is almost instant while SCB takes 4-5 days.

Settlement date is the same as the payment date.

For safety, you can test with a small amount.

You can’t pay your HDFC cc bill.