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My Credit Card STRATEGY for July 2024 | CA Niraj Dugar 

CA Niraj Dugar
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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:
americanexpres...
HDFC CREDIT CARD:
lucrative.gotr...
AXIS CREDIT CARD
lucrative.gotr...
IDFC FIRST CREDIT CARD
lucrative.gotr...
IDFC POWER CREDIT CARD:
lucrative.gotr...
--------------------------------------------
PRODUCTS I USE:
iPhone 15 pro max - amzn.to/3RomwDs
Airpods pro - amzn.to/3RppO9v
Featherlite chair - amzn.to/3z6tQgo
DJI Osmo - amzn.to/3Rmq4Ws
Rode Wireless Go II - amzn.to/3z8o51J
Featherlite desk -amzn.to/3Xla4YB
Garmin 245 - amzn.to/3VsSAY2
Macbook Pro M1 - amzn.to/3VnMrfC
Logitech MX Master 3S - amzn.to/4bWbk9c
Logitech MX Keys - amzn.to/3yZ5gy8
iPad pro - amzn.to/4ejruuQ
Ring light - amzn.to/4enlxx9
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

Опубликовано:

 

14 авг 2024

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Комментарии : 103   
@aj5180
@aj5180 Месяц назад
Atlas is also my primary card. Now that axis has launched olympus, I have a feeling they will devalue atlas again within a few months.
@harshgupta0011
@harshgupta0011 Месяц назад
get HSBC cashback for your moms DMART spends... it directly gives 10 percent cb
@dugarniraj
@dugarniraj Месяц назад
Noted thank you
@abhishekdas6691
@abhishekdas6691 Месяц назад
What if we dont have biz black card, which card will be better for govt transactions?
@dugarniraj
@dugarniraj Месяц назад
There is a lower variant as well
@moneytechno8340
@moneytechno8340 Месяц назад
@@dugarniraj can you please tell the name .. which card is better for govt transaction (for salaried) ?
@sanjaysheth773
@sanjaysheth773 Месяц назад
How to pay petrol pump payment through amazon voucher
@piyushchoudhary6055
@piyushchoudhary6055 Месяц назад
Are you planning to use OneCard for 20% valueback?
@Ankit-dm3im
@Ankit-dm3im Месяц назад
how 20%?
@dugarniraj
@dugarniraj Месяц назад
Lots of offers on gold coins
@atulpandey6500
@atulpandey6500 Месяц назад
@@dugarniraj please make a video on one card
@dugarniraj
@dugarniraj Месяц назад
I need the card first 🤣
@user-vn7yq6dm6m
@user-vn7yq6dm6m Месяц назад
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
@dugarniraj Месяц назад
Agreed
@tsjoshi
@tsjoshi Месяц назад
Thanks for sharing the strategy. Does HDFC show points for Infinia and BizBlack separately or together while redemption?
@dugarniraj
@dugarniraj Месяц назад
Separately
@Bhatiji
@Bhatiji Месяц назад
Hello @dugarniraj, I had HDFC DCB LTF, In March, my RM helped me procure the INIFNIA Metal chargeable card. Now the issue is 10L spends is a bit too much. What are your suggestions, should I stop using all my cards to reach the 10L milestones annually or pay the annual charges? The other chargeable card I have is MRCC, rest all are LTF including SBI Cashback.
@bindir1421
@bindir1421 Месяц назад
Smart buy voucher is best. Since u will anyways get taj vouchers on ur amex platinum travel card
@harshjain6034
@harshjain6034 Месяц назад
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
@mahipdeva3543 Месяц назад
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!
@harmansingh9064
@harmansingh9064 Месяц назад
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
@dugarniraj Месяц назад
atlas, no, see all videos done so far (how can you spend 4 lakhs per year on everything and also travel frequently)?
@raveeshaasi909
@raveeshaasi909 Месяц назад
Which credit card do you use for paying rent? And what is the return you make?
@dugarniraj
@dugarniraj Месяц назад
I don’t pay rent but you can use idfc Vistara. Reward isn’t great
@raveeshaasi909
@raveeshaasi909 Месяц назад
@@dugarniraj does that mean paying rent via credit cards no longer make sense as the charges kill the rewards?
@shourav8433
@shourav8433 Месяц назад
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
@dugarniraj Месяц назад
Amex might have acceptance issues. Atlas is better but I will keep both and spend equally
@ankitgndh
@ankitgndh Месяц назад
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
@dugarniraj Месяц назад
Gold is fine. Can get one supplementary infinia too
@abhinavcsm5036
@abhinavcsm5036 Месяц назад
Can you share the gold card referral link. Planning to apply
@atulpandey6500
@atulpandey6500 Месяц назад
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
@dugarniraj Месяц назад
Yes I do that :)
@anjuripavansaikumar8756
@anjuripavansaikumar8756 Месяц назад
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?
@jenilmehta7719
@jenilmehta7719 Месяц назад
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
@gauravanand3009 Месяц назад
Hey there, Is there any option to get it re issued?
@dugarniraj
@dugarniraj Месяц назад
Any solutions?
@gauravanand3009
@gauravanand3009 Месяц назад
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
@dugarniraj Месяц назад
Yep I am facing same issue
@TruthSeeker10250
@TruthSeeker10250 Месяц назад
How many HDFC cards you have? And wanted to know total how many cards HDFC allows.
@dugarniraj
@dugarniraj Месяц назад
I had 4 :) closed one recently
@pankajadhikari5511
@pankajadhikari5511 Месяц назад
How about Vistara credit cards? What is substitute of Infinia credit card as it is not available to everyone?
@dugarniraj
@dugarniraj Месяц назад
Vistara is dead no once it’s merges. Many substitutes. See other videos
@soumyakantide1523
@soumyakantide1523 Месяц назад
What is the best rupay credit card for payment in all kirana store and UPI spends
@gurufrombluecopa
@gurufrombluecopa Месяц назад
Tata neucard infinity Rupay
@mohitagarwal9280
@mohitagarwal9280 Месяц назад
What is the best SBI credit card if I’d like to keep one?
@bindir1421
@bindir1421 Месяц назад
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
@dugarniraj Месяц назад
I have account. You need a long relationship with hdfc for things to work out
@mohamedfaizal414
@mohamedfaizal414 Месяц назад
hi brother, can you send me a referral link for amex membership reward card send me thank you
@dugarniraj
@dugarniraj Месяц назад
americanexpress.com/en-in/referral/platinum-travel?ref=nEHAJr0xY&XLINK=MYCP
@user-wb3is5oc9v
@user-wb3is5oc9v Месяц назад
Sbi cashback card! It's the king!
@dugarniraj
@dugarniraj Месяц назад
Ok
@Antrix98765
@Antrix98765 Месяц назад
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
@dugarniraj Месяц назад
Nobody watches those videos :)
@mohitagarwal9280
@mohitagarwal9280 Месяц назад
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?
@rupenbhavsar
@rupenbhavsar Месяц назад
Smartbuy offcourse... Niraj👏
@satvikkhare1844
@satvikkhare1844 Месяц назад
Please tell how to bypass 10k amazon gift voucher limit on amex gyftr
@dugarniraj
@dugarniraj Месяц назад
Certain secrets can only be revealed for paid call members :)
@sohail.melwani
@sohail.melwani Месяц назад
Just use a different number / email combination, and it works :)
@reskillbaba
@reskillbaba Месяц назад
My electricity bill payment for my business is 40k rupees per month please suggest me best card
@dugarniraj
@dugarniraj Месяц назад
Watch other videos
@tusharraikar7115
@tusharraikar7115 Месяц назад
Which card are you using for fuel spends ?
@dugarniraj
@dugarniraj Месяц назад
Amex platinum travel
@RohanJitSingh
@RohanJitSingh Месяц назад
@@dugarnirajhow’s it better than infinia for fuel if at all ?
@narendrareddyguvvala7474
@narendrareddyguvvala7474 12 дней назад
Try yes bank marquee card if that's useful to you
@Sonu-ly8hx
@Sonu-ly8hx 25 дней назад
by which mentioned AT 5:03 to spend on swiggy and zomato
@Kazaamshady
@Kazaamshady Месяц назад
Can you please share a referral link for the AmEx Gold CC - Thanks!
@dugarniraj
@dugarniraj Месяц назад
americanexpress.com/en-in/referral/platinum-travel?ref=nEHAJ5tuo&XL=MIMNS
@Kazaamshady
@Kazaamshady Месяц назад
@@dugarniraj Sorry, this appears to be for the Platinum Travel card? Or can I use this to select the Gold Charge Card as well?
@rahulchillal7962
@rahulchillal7962 24 дня назад
Can a CA firm use Biz Black card for paying clients gst & advance tax?
@dugarniraj
@dugarniraj 24 дня назад
not for clients :)
@captainramchandani6397
@captainramchandani6397 Месяц назад
Smart buy voucher no doubt
@aneeshmuthyala
@aneeshmuthyala Месяц назад
Pls share Amex gold charge referral link (not platinum travel card)
@arjunwadhwa3126
@arjunwadhwa3126 Месяц назад
Take smart buy vouchers Taj vouchers not worth it
@dugarniraj
@dugarniraj Месяц назад
Agreed
@gulabsrbeniwal
@gulabsrbeniwal Месяц назад
From where we can buy vouchers fr 5xrewards ???
@dugarniraj
@dugarniraj Месяц назад
Gyftr
@c0mpu73rg33k
@c0mpu73rg33k Месяц назад
Why u closed the LTF onecard before?
@dugarniraj
@dugarniraj Месяц назад
Wasn’t useful that time
@kannankanna3022
@kannankanna3022 Месяц назад
expecting you to make a video on sbi miles elite card
@dugarniraj
@dugarniraj Месяц назад
Sbi elite is meh. What’s miles elite?
@mohithkalyan
@mohithkalyan Месяц назад
Wrong image for amex platinum travel.. used platinum charge instead.
@dugarniraj
@dugarniraj Месяц назад
thanks for feedback
@gaurav1111ify
@gaurav1111ify Месяц назад
please share referral code for American membership card.
@dugarniraj
@dugarniraj Месяц назад
americanexpress.com/en-in/referral/platinum-travel?ref=nEHAJ5tuo&XL=MIMNS
@praveenkumar-lc9yx
@praveenkumar-lc9yx Месяц назад
HSBC cashback credit card. Please review this card
@dugarniraj
@dugarniraj Месяц назад
Sure not many people like cash back cards
@nikznp
@nikznp Месяц назад
For 5lakh milestone , I am 100% sure u will take the smarbuy flight Voucher
@dugarniraj
@dugarniraj Месяц назад
Probably:)
@haidrdicky
@haidrdicky 8 дней назад
Can u share Axis atlas card referral link!!!
@dugarniraj
@dugarniraj 5 дней назад
dont have
@nitinchavan5743
@nitinchavan5743 Месяц назад
Is your biz black card are floater card
@dugarniraj
@dugarniraj Месяц назад
Yes
@mohithkalyan
@mohithkalyan Месяц назад
what business do you do bro ?
@dugarniraj
@dugarniraj Месяц назад
financial advisory, bro
@sathyaprakash862
@sathyaprakash862 Месяц назад
First comment
@dugarniraj
@dugarniraj Месяц назад
Thanks
@hoshanthkalikiri5797
@hoshanthkalikiri5797 Месяц назад
Hi, Can you share your referral link of Americanexpress gold
@dugarniraj
@dugarniraj Месяц назад
americanexpress.com/en-in/referral/platinum-travel?ref=nEHAJ5tuo&XL=MIMNS
@user-bw6mw3zu2g
@user-bw6mw3zu2g Месяц назад
I didn't understand any thing 😂😂
@dugarniraj
@dugarniraj Месяц назад
aww
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