Rewards Math

Point valuation, transfer partners, and breakeven analysis.

Hit high annual spend thresholds for hotel and airline elite status. The maths and the right card for each status.

Anika Iyengar03 Jul 20265 min read

Invest the credit-card float, redeem rewards for flights, optimise for tax. The strategy that pays 7%+ on every rupee.

Anika Iyengar29 Jun 20266 min read

The credit-card grace period is a free 18–25 day loan. Used well, it can earn interest on your own money.

Arjun Banerjee19 Jun 20264 min read

Strategically increasing credit card spend to hit milestones and transfer bonuses. The art and the ethics.

Mira Nair15 Jun 20264 min read

Air Vistara, British Airways, Singapore KrisFlyer, Marriott Bonvoy, Hilton — where each transfer is worth the most.

Kabir Reddy13 Jun 20264 min read

HDFC Rewards points have a ₹1 floor on SmartBuy and up to ₹2+ via Air Vistara transfers. Here's the comparison.

Rohan Mehta10 Jun 20264 min read

Annual spends of ₹2L, ₹4L, ₹8L unlock bonus vouchers and accelerated rewards. Here's how to plan them.

Aanya Iyer09 Jun 20264 min read

HDFC points don't expire. Axis EDGE Miles expire in 24 months. Amex MR points expire in 36 months. Here's the rest.

Aanya Iyer07 Jun 20264 min read

Every rewards programme has three knobs: earn rate, cap, and burn value. Here's how banks tune them.

Rohan Mehta04 Jun 20264 min read

Most Indian cards quote '1 point = ₹X' but the real value depends on how you redeem. Here's the framework we use.

Aanya Iyer03 Jun 20263 min read

You've reached the end.