My Credit Card STRATEGY for July 2024

My Credit Card STRATEGY for July 2024 | CA Niraj Dugar

Рет қаралды 6,615

Күн бұрын

Join CA Niraj Dugar as he shares his expert Credit Card Strategy for July 2024! Discover how to make the most of your spending with HDFC Infinia, Atlas Black, and Business Black Cards. Learn about the best rewards for flights, travel, and everyday purchases. Timestamps are included for your convenience. Don't miss out on this valuable information.
USE THESE LINKS TO GET EXTRA BENEFITS:
AMERICAN EXPRESS:
americanexpress.com/en-in/ref...
HDFC CREDIT CARD:
lucrative.gotrackier.com/clic...
AXIS CREDIT CARD
lucrative.gotrackier.com/clic...
IDFC FIRST CREDIT CARD
lucrative.gotrackier.com/clic...
IDFC POWER CREDIT CARD:
lucrative.gotrackier.com/clic...
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Timestamps:
00:00 - Intro & July Strategy Overview
00:32 - Primary Card: Atlas Black (Rewards & Transfer Partners)
01:00 - When to Use HDFC Infinia (Flights & Redemptions)
01:57 - HDFC Business Black Card Benefits (Payments & Upcoming Video)
02:28 - International Travel: Infinia + Business Black (Cashback & Strategy)
04:01 - Using Other Cards (Milestone Points & Everyday Spends)
04:58 - Considering Adding One Card (Future Plans)
06:01 - Conclusion & Call to Action
If you found this video helpful, please give it a thumbs up and subscribe to my channel for more tips on maximizing your credit card rewards! Leave your questions in the comments below, and I'll cover them in future videos.
Thank you for watching!
#creditcardrewards

Пікірлер: 95

@anjuripavansaikumar8756 8 күн бұрын

Why onecard? Also I'm thinking to apply Amex cards and confused between Gold and Rewards Card, could you give some suggestions. I don't spend/stay in 5 star hotels though as Amex cards are mostly benefited for stay and travel i guess other than for redemption of gift cards. Should I go for Rewards Card as it has fee waiver?

@bindir1421 11 күн бұрын

Do u have an hdfc acc? If we get infinia without account, they said they wont give biz black card as 2 nd card . Any way out?

@dugarniraj 10 күн бұрын

I have account. You need a long relationship with hdfc for things to work out

@mohitagarwal9280 5 күн бұрын

What is the best SBI credit card if I’d like to keep one?

@shourav8433 7 күн бұрын

Sir on average i and my wife spends about 8 lakhs which card would be best from travel perspective! I am confused between amex travel platinum card vs axis atlas card please suggest

@dugarniraj 7 күн бұрын

Amex might have acceptance issues. Atlas is better but I will keep both and spend equally

@ankitgndh 8 күн бұрын

Hi thanks for all the insight. Greatly appreciate all the knowledge of the channel. Just need an advice. I have inifinia as my primary card. But it has limit of 20k on amazon pay. I want to get another one for utility bill payments, society maintainance charges and fuel. I am thinking of AMEX gold charge. Any other card that you would suggest here?

@dugarniraj 8 күн бұрын

Gold is fine. Can get one supplementary infinia too

@abhinavcsm5036 7 күн бұрын

Can you share the gold card referral link. Planning to apply

@harshjain6034 11 күн бұрын

There is 25% bonus on Edge miles to transfer to Accor,however there is one Point which mentions that “All Cardholders must be previously registered as a program member of the ALL - Accor Live Limitless, Accor’s loyalty program in order to participate in this promotion”, Can you help how to interpret this? Like I have Atlas edge miles and if I am becoming Accor member today and transfer that today or on 30th , will I get 25% bonus?

@mahipdeva3543 11 күн бұрын

I dont think this promotional offer will be valid for the people who have just signed up for an accor membership during this time period of the promotional offer! My best guess is that it is valid only to the ones who were already a part of the accor membership since before, and maybe might have had their account added against the travel edge platform!

@tsjoshi 10 күн бұрын

Thanks for sharing the strategy. Does HDFC show points for Infinia and BizBlack separately or together while redemption?

@dugarniraj 10 күн бұрын

Separately

@soumyakantide1523 11 күн бұрын

What is the best rupay credit card for payment in all kirana store and UPI spends

@gurufrombluecopa 11 күн бұрын

Tata neucard infinity Rupay

@abhishekdas6691 11 күн бұрын

What if we dont have biz black card, which card will be better for govt transactions?

@dugarniraj 10 күн бұрын

There is a lower variant as well

@moneytechno8340 2 күн бұрын

@@dugarniraj can you please tell the name .. which card is better for govt transaction (for salaried) ?

@atulpandey6500 11 күн бұрын

What about amex gold card for gyftr spends after milestones are reached. Gives 5× reward point which is easily 10% return if used for travel

@dugarniraj 10 күн бұрын

Yes I do that :)

@aneeshmuthyala 7 күн бұрын

Pls share Amex gold charge referral link (not platinum travel card)

@tusharraikar7115 11 күн бұрын

Which card are you using for fuel spends ?

@dugarniraj 10 күн бұрын

Amex platinum travel

@RohanJitSingh 10 күн бұрын

@@dugarnirajhow’s it better than infinia for fuel if at all ?

@mohitagarwal9280 Күн бұрын

Hi, there is this new card called the Axis bank Horizon credit card. Can you please do a comparison video with Axis bank Atlas Credit Card?

@bindir1421 11 күн бұрын

Smart buy voucher is best. Since u will anyways get taj vouchers on ur amex platinum travel card

@gauravanand3009 11 күн бұрын

I also had One Card with 2.2 lacs limit which I closed. Now I am also facing issues with the app and I am not able to apply it. Let me know also when you apply that.

@dugarniraj 10 күн бұрын

Yep I am facing same issue

@pankajadhikari5511 7 күн бұрын

How about Vistara credit cards? What is substitute of Infinia credit card as it is not available to everyone?

@dugarniraj 7 күн бұрын

Vistara is dead no once it’s merges. Many substitutes. See other videos

@TruthSeeker10250 11 күн бұрын

How many HDFC cards you have? And wanted to know total how many cards HDFC allows.

@dugarniraj 10 күн бұрын

I had 4 :) closed one recently

@satvikkhare1844 9 күн бұрын

Please tell how to bypass 10k amazon gift voucher limit on amex gyftr

@dugarniraj 9 күн бұрын

Certain secrets can only be revealed for paid call members :)

@sohail.melwani 9 күн бұрын

Just use a different number / email combination, and it works :)

@raveeshaasi909 Күн бұрын

Which credit card do you use for paying rent? And what is the return you make?

@dugarniraj 17 сағат бұрын

I don’t pay rent but you can use idfc Vistara. Reward isn’t great

@raveeshaasi909 17 сағат бұрын

@@dugarniraj does that mean paying rent via credit cards no longer make sense as the charges kill the rewards?

@mohithkalyan Күн бұрын

Wrong image for amex platinum travel.. used platinum charge instead.

@dugarniraj Күн бұрын

thanks for feedback

@rupenbhavsar 10 күн бұрын

Smartbuy offcourse... Niraj👏

@reskillbaba 9 күн бұрын

My electricity bill payment for my business is 40k rupees per month please suggest me best card

@dugarniraj 9 күн бұрын

Watch other videos

@gulabsrbeniwal 9 күн бұрын

From where we can buy vouchers fr 5xrewards ???

@dugarniraj 9 күн бұрын

Gyftr

@harshgupta0011 11 күн бұрын

get HSBC cashback for your moms DMART spends... it directly gives 10 percent cb

@dugarniraj 10 күн бұрын

Noted thank you

@mohamedfaizal414 5 күн бұрын

hi brother, can you send me a referral link for amex membership reward card send me thank you

@dugarniraj 2 күн бұрын

americanexpress.com/en-in/referral/platinum-travel?ref=nEHAJr0xY&XLINK=MYCP

@Kazaamshady 11 күн бұрын

Can you please share a referral link for the AmEx Gold CC - Thanks!

@dugarniraj 10 күн бұрын

americanexpress.com/en-in/referral/platinum-travel?ref=nEHAJ5tuo&XL=MIMNS

@Kazaamshady 10 күн бұрын

@@dugarniraj Sorry, this appears to be for the Platinum Travel card? Or can I use this to select the Gold Charge Card as well?

@user-vn7yq6dm6m 11 күн бұрын

Taj vouchers coz u already claim 10000 taj voucher on amex milestone, so best if u are able to book your room via vouchers

@dugarniraj 10 күн бұрын

Agreed

@c0mpu73rg33k 6 күн бұрын

Why u closed the LTF onecard before?

@dugarniraj 5 күн бұрын

Wasn’t useful that time

@nitinchavan5743 7 күн бұрын

Is your biz black card are floater card

@dugarniraj 6 күн бұрын

Yes

@gaurav1111ify 11 күн бұрын

please share referral code for American membership card.

@dugarniraj 10 күн бұрын

americanexpress.com/en-in/referral/platinum-travel?ref=nEHAJ5tuo&XL=MIMNS

@jenilmehta7719 11 күн бұрын

Hey Once you close one card they dont issue They basically put a block in their system for an application against your pan Your application will show error online And the support as well doesnt allow

@gauravanand3009 11 күн бұрын

Hey there, Is there any option to get it re issued?

@dugarniraj 10 күн бұрын

Any solutions?

@captainramchandani6397 11 күн бұрын

Smart buy voucher no doubt

@piyushchoudhary6055 11 күн бұрын

Are you planning to use OneCard for 20% valueback?

@Ankit-dm3im 11 күн бұрын

how 20%?

@dugarniraj 10 күн бұрын

Lots of offers on gold coins

@atulpandey6500 10 күн бұрын

@@dugarniraj please make a video on one card

@dugarniraj 10 күн бұрын

I need the card first 🤣

@Antrix98765 10 күн бұрын

Your spends are more on stuffs which is rare for common man. I suggest you create a video for common man who has more transaction in groceries, online shopping and utilities.

@dugarniraj 10 күн бұрын

Nobody watches those videos :)

@kannankanna3022 9 күн бұрын

expecting you to make a video on sbi miles elite card

@dugarniraj 9 күн бұрын

Sbi elite is meh. What’s miles elite?

@mohithkalyan Күн бұрын

what business do you do bro ?

@dugarniraj Күн бұрын

financial advisory, bro

@nikznp 6 күн бұрын

For 5lakh milestone , I am 100% sure u will take the smarbuy flight Voucher

@dugarniraj 6 күн бұрын

Probably:)

@arjunwadhwa3126 11 күн бұрын

Take smart buy vouchers Taj vouchers not worth it

@dugarniraj 10 күн бұрын

Agreed

@praveenkumar-lc9yx 11 күн бұрын

HSBC cashback credit card. Please review this card

@dugarniraj 10 күн бұрын

Sure not many people like cash back cards

@harmansingh9064 9 күн бұрын

Three questions: 1) Which card would you suggest for spends up to 4L (I'm okay with travel related benefits)? Don't want to get confused to choose amongst many cards while making any payment. I have 3 in mind : MRCC, Plat travel, Atlas. 2) Any rent payment hacks? 3) Any domestic flight hacks for frequent travelers?

@dugarniraj 8 күн бұрын

atlas, no, see all videos done so far (how can you spend 4 lakhs per year on everything and also travel frequently)?