Ready to turn your credit card points into Singapore Airlines First Class Suites and Ritz-Carlton Reserve villa stays in Bali?In this episode of The Great Indian Points & Miles Show, we sit down with four power users who’ve mastered the art of luxury travel using Indian credit cards—especially the iconic HDFC Infinia. They’ve cracked redemptions like:✈️ Singapore Airlines First Class Suites 🌴 Ritz-Carlton Reserve, Mandapa Bali on points🚗 Business class redemptions to New Zealand on the iconic Singapore Airlines 🍽️ Maximizing SmartBuy 5X and 10X and vouchers to earn 16.5% and 33% returns💳 And we pit Infinia vs. ICICI Emeralde Private Metal in a head-to-head battle of India’s best cards.We also bust myths like:“Is redeeming points for Apple products a sin?”“Should you ever settle for 90K over 58,500 KrisFlyer miles?”“Can cashback cards ever make sense in a miles-first world?”👉 Whether you’re a newbie starting with Regalia or a veteran eyeing the Suites at 35,000 ft, this episode is your blueprint to booking first class experiences without first class prices.Cards mentioned in this episode (some of these are affiliate links) :HDFC Bank Cards:HDFC Infinia / Diners Club Black (DCB): https://pointsmilesshow.com/cards/hdfc-cardsHDFC Regalia / Regalia Gold: https://pointsmilesshow.com/cards/hdfc-cardsHDFC Swiggy : https://pointsmilesshow.com/cards/hdfc-swiggyTata Neu HDFC Bank Credit Card (Plus/Infinity): https://pointsmilesshow.com/cards/hdfc-tata-neuMarriott Bonvoy HDFC Bank Credit Card: https://pointsmilesshow.com/cards/hdfc-marriottICICI Bank Cards:ICICI Emeralde Private Metal (EPM): https://pointsmilesshow.com/cards/icici-bank-credit-cardsICICI Bank Amazon Pay Credit Card: https://pointsmilesshow.com/cards/icici-bank-credit-cardsAxis Bank Cards:Magnus: https://pointsmilesshow.com/cards/axis-magnus/Atlas: https://pointsmilesshow.com/cards/axis-atlas/HSBC Bank Cards:Travel One Credit Card: https://pointsmilesshow.com/cards/hsbc-travel-oneLive Plus / Cashback Credit Card: https://pointsmilesshow.com/cards/hsbc-live-plusOthers:SBI Cashback Credit Card: https://pointsmilesshow.com/cards/sbi-cashbackTimestamps:00:00 Flying Business Class on HDFC Infinia 03:50 Intro to HDFC Infinia and luxury travel discussion04:25 Prakhar’s introduction and Phuket travel anecdotes07:00 How Prakhar got the HDFC Infinia Credit Card and started using it10:15 Singapore Airlines First Class Suites experience via HDFC Infinia points13:00 Singapore Airlines Saver vs. Advantage fare discussion and value of flexibility17:00 SQ mobile app advantages and booking tips18:05 Top 3 highlights of Singapore Airlines First Class Suites and Private Room dining22:50 Ameya’s journey to Infinia and redemption philosophy24:30 Dhimant's bumpy relationship with HDFC and his Infinia acquisition28:10 How Prakhar and Ameya use Infinia today and their spend strategies32:00 Cashback vs. travel cards: value and tradeoffs35:00 Vouchers, and Amazon stacking tips39:00 HSBC Cashback and SBI Cashback pros and cons43:00 Redemption styles: flights, hotels, or Apple products48:00 The ‘sin’ of redeeming for Apple products 50:00 Step-by-step journey from Regalia to Infinia57:00 Wrap up of Apple product redemption debate58:00 Ritz-Carlton Reserve Mandapa, Bali: redemption details and experience1:04:00 5-night stay at Ritz-Carlton Reserve Mandapa using Amex to Marriott transfer1:13:00 Al Maha Dubai: desert redemption using Amex points1:18:00 JW Marriott Mauritius and luxury redemption reflections1:20:00 New Zealand flights on Singapore Airlines Business Class using HDFC Infinia Credit Card1:23:00 New Zealand trip: hotels, farm stays, and road trip1:24:30 Time vs. value vs. complexity of travel card redemptions1:25:00 Truth bombs:HDFC Infinia Credit Card vs. ICICI Emeralde Private Metal Credit Card1:27:00 Roundtable views on EPM as a challenger to Infinia1:30:00 Final takes and analogy: Infinia vs. EPM = India vs. Pakistan