Suraj Kumar Talreja, a Pune-based techie, cleverly utilized his HDFC BizBlack and Infinia credit cards to accumulate Rs 2 lakh worth of reward points in a year. His strategy involved maximizing points on tax and utility payments with the BizBlack card and leveraging SmartBuy and GYFTR vouchers with the Infinia card for purchases like Myntra and Pharmeasy vouchers.