Hi, I recently got my HDFC Moneyback+ card and want to maximize my reward points. I earn ₹30,000 per month. Should I use the card mainly for bill payments or personal expenses? Also, how can I make the most of the rewards?
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@Anandu001 Get upgrade to Millennia card.
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@Anandu001 To maximize your HDFC Moneyback+ rewards, focus on spending in categories offering 10X points, like Amazon and Swiggy, and utilize HDFC Smartbuy for 5% cashback on various purchases. If possible, convert to the Rupay variant to earn 2 points for every ₹150 spent on UPI payments. Aim to spend over ₹50,000 per quarter to qualify for ₹500 gift coupons. Prioritize personal expenses over bill payments to boost your reward points effectively.