5 min read
Credit Card Mileage Runs: How to Earn Loyalty Status Hit high annual spend thresholds for hotel and airline elite status. The maths and the right card for each status.
3 July 2026
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10 posts
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6 min readCredit Card Investment Strategy: How to Maximise ReturnsInvest the credit-card float, redeem rewards for flights, optimise for tax. The strategy that pays 7%+ on every rupee.
29 June 2026
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4 min readUsing Credit Card Float to Earn Interest on Your MoneyThe credit-card grace period is a free 18–25 day loan. Used well, it can earn interest on your own money.
19 June 2026
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4 min readMileage Runs in India: How to Maximise Credit Card Points for TravelStrategically increasing credit card spend to hit milestones and transfer bonuses. The art and the ethics.
15 June 2026
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4 min readAmex MR Transfer Partners in India: The Full List and How to Use ThemAir Vistara, British Airways, Singapore KrisFlyer, Marriott Bonvoy, Hilton — where each transfer is worth the most.
13 June 2026
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4 min readSmartBuy vs Air Vistara Transfer: Where HDFC Points Are Worth MoreHDFC Rewards points have a ₹1 floor on SmartBuy and up to ₹2+ via Air Vistara transfers. Here's the comparison.
10 June 2026
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4 min readMilestone Bonuses Demystified: How to Hit Them Without OverspendingAnnual spends of ₹2L, ₹4L, ₹8L unlock bonus vouchers and accelerated rewards. Here's how to plan them.
9 June 2026
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4 min readWhen Do Reward Points Expire on Indian Cards? The Full ListHDFC points don't expire. Axis EDGE Miles expire in 24 months. Amex MR points expire in 36 months. Here's the rest.
7 June 2026
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4 min readHow Indian Banks Design Reward Programmes — The Math Behind the Headline RateEvery rewards programme has three knobs: earn rate, cap, and burn value. Here's how banks tune them.
4 June 2026
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3 min readHow to Value a Reward Point — The Math That Actually MattersMost Indian cards quote '1 point = ₹X' but the real value depends on how you redeem. Here's the framework we use.
3 June 2026