Spend Based Offers on Credit Card

Hello and namaste everyone

I use a credit card from HDFC Bank which is a popular private-sector bank in India. I have been using this card for the last three years and last month my card was renewed for the first time. Most of the banks are following a three-year cycle for the credit card renewal which I completed with my first ever credit card. It seems like yesterday when I started using the credit card but time flies and I am happy to share that I completed three years. It has been a good experience because now I can make payments and buy things without even using the money from my bank account. It is even better because I repay the whole outstanding before the due date so there is no extra payment.

On top of it, I'm also earning some reward points which can be redeemed against the card outstanding or some other options. I have not done it till now but I think that this is where I need to explore more and find out how it works well. I know there is some reward that I am getting and the points are accumulated in my card account but I have not used it ever. This bank is also good in terms of offers as they keep sharing different types of offers occasionally. Now they have shared one after which is based on the spend. They are providing vouchers from different brands if I meet the spending criteria. This offer is for November, starting on 1st November and ending on 30th November.

[Email from Bank]

This is the snapshot of the email I have received from the bank. I just need to click on the participate now button and I will be eligible for the reward if I spend the required amount. The required amount is big and generally, I don't spend that much unless I'm planning something big. If I buy a phone then I can surely meet the threshold but other than that it's not easy for me. Sometimes I also let my friends use my card because they don't use credit cards. I don't know if they are planning to buy something now but if they do then I believe my threshold would be completed. One thing is clear I cannot use 29,000 INR just for the sake of this voucher bundle.

Amazon Prime 1 Year subscription + ITC hotel voucher worth Rs.2000 + Make My Trip voucher worth Rs.1000 + Lifestyle voucher worth Rs.500

This is what I'll be getting if I am eligible for the reward after spending the required amount. I need to check with my friends if they are planning to buy something and if they do then I hope I can do this. But alone I can not do this and this is confirmed so I will figure out the options and plan things accordingly. It is offering an Amazon Prime Video voucher which is good for me because I use this subscription but other than that rest of the brands are not so exciting because I hardly use them. Maybe I can try if I am the winner else there is no point that I am more concerned about.

Thank you so much
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