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Amount

₹

Common scenarios

Where?

MCCMCC guide →

Deterministic math from issuer MITC rules. See every rule →

Best route for ₹4,300 at BigBasket · paying online · across your 4 cards

⚡ Use this

HDFC Infinia Metal

SmartBuy gift vouchers 5X (capped Jul 2026)

700 pts

≈ +₹700 net

16.3% of the spend

→

Buy a BigBasket gift voucher via HDFC SmartBuy portal (smartbuy.hdfcbank.com) first, then pay with itportal route

700 pts × ₹1/pt = ₹700

SmartBuy flights/hotels at ₹1/pt

this earn uses ₹700 of ₹3,000 headroom~3,000 pts/month

Jul 1 2026: brand-voucher bonus capped at 3,000 pts/month (was up to 15,000) - an ~80% cut to the voucher play.Voucher route: fixed denominations, no refunds - buy only what you’ll spend.

🎟 Voucher route: in stock on HDFC SmartBuy vouchers (2026-08-22) · full card × portal math →

Same card, other routes

HDFC Infinia Metal

Grocery: base rate capped 2,000 pts/month · Pay directly online

140 pts

≈ +₹140

₹-560 vs best

this earn uses ₹140 of ₹2,000 headroom2,000 pts/month

Rest of your stack3 more

SBI Cashback Card#2

5% all online spends · Pay directly online

+₹215

₹-485 vs best

this earn uses ₹215 of ₹2,000 headroomcap ₹2,000/cycle

Tata Neu Infinity HDFC#3

5% NeuCoins at ALL partner Tata brands (MID/TID-based, not app-gated) · Pay directly online

215 pts

≈ +₹215

₹-485 vs best

Axis ACE#4

Base rate · Pay directly online

+₹65

₹-635 vs best

The floor: Pay by UPI / debit - earns nothing, costs nothing. No rewards, no fees. The floor every card must beat.