This is gold! Just tried the GV route and got ₹8500 back on a ₹50K iPhone purchase. SmartBuy posted points within 24 hours.

SmartBuy has been hit or miss for me lately. Last month my 10X didn't post for 3 weeks, had to raise ticket.

One important point - Amazon sometimes blocks accounts for excessive GV usage. I got a warning after buying ₹2L in a month. YMMV.

Pro tip: Stack this with credit card EMI offers during sales. Got a laptop on 6 months no-cost EMI + 10X rewards + sale discount = insane value.

Don't forget SuperCoins! I've accumulated ₹12K worth over 2 years. They're great for flight bookings where you can use 100% SuperCoins.

Alternative approach: Buy Tanishq vouchers on SmartBuy at 10X, then use during Akshaya Tritiya for jewelry. My wife's favorite hack

The ₹1.5L monthly limit on Infinia 10X is a killer. I hit it by 15th every month. Wish HDFC would increase it.

For Flipkart, try the Axis Flipkart card. 5% unlimited is better than SmartBuy headaches IMO.

Just a warning - I got my Infinia rewards clawed back because HDFC said GV purchases don't qualify. After 3 months of fighting they reinstated, but be careful.

The real hack: Buy Croma/Reliance Digital GVs on SmartBuy, wait for their exchange offers, trade in old devices. Triple dip!

SmartBuy UI is trash. Half the time items show out of stock, then magically appear if you use desktop site. Mobile app is worse.

Anyone tried the insurance route? Apparently paying insurance premiums via SmartBuy also gets 10X. Need to verify this.

This worked perfectly during iPhone 15 launch. Got ₹18K back on ₹1.2L purchase. Paid itself in one transaction!

Don't sleep on the edu vouchers. Amazon has gift cards for Udemy, Coursera etc. Get 10X on upskilling, claim HRA exemption. Double win.