Transfer Partners

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.

Credit Card Investment Strategy: How to Maximise Returns

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

Travelling Abroad: Credit Card vs Cash vs Forex Card

Which is cheapest, which is safest, and which is most flexible? The honest comparison.

MakeMyTrip and Travel-Booking Cashback in India

MMT, Cleartrip, Yatra, Goibibo — the booking platforms and the credit cards that reward each.

Mileage Runs in India: How to Maximise Credit Card Points for Travel

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

Amex MR Transfer Partners in India: The Full List and How to Use Them

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

How Visa and Mastercard Make Money in India

Every swipe moves money across multiple rails. The network's fee is small per transaction but massive in aggregate.

Amex Platinum Travel Card: Is the Welcome Bonus Worth the Fee?

₹5,000 annual fee, ₹10,000+ welcome bonus on first-year spend, milestone Taj vouchers. The math, with caveats.

Online Travel Agent vs Credit Card Travel Portal: Where to Book

Booking through MMT vs HDFC SmartBuy vs the airline direct — the price difference and the rewards difference.

SmartBuy vs Air Vistara Transfer: Where HDFC Points Are Worth More

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

Axis Atlas Deep Dive: The Best Mid-Premium Travel Card in India?

Axis Atlas earns 5 EDGE Miles per ₹100 on travel, has 8+8 lounge access, and costs ₹5,000 a year. The math.

Cashback vs Reward Points vs Air Miles — Which One Is Best for You?

All three are ways to earn on your card. The right pick depends on your spend, your redemption habits, and your flexibility.

Air India + Vistara Merger: What It Means for Credit Card Rewards

Vistara is now Air India. The Club Vistara points programme has merged with Maharaja Club. Here's how to position your cards.

Airline Co-Brand Credit Cards in India: Which Ones Are Worth It?

Vistara, Air India, Singapore Airlines, Emirates, SpiceJet — the co-brand landscape and the cards that earn their keep.

When Do Reward Points Expire on Indian Cards? The Full List

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

Axis Atlas vs Amex Platinum Travel: Which Mid-Premium Card Wins?

Both are ₹5,000 cards with 5X on travel. The differences are in the transfer partners, welcome bonuses, and acceptance.

How Indian Banks Design Reward Programmes — The Math Behind the Headline Rate

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

Best Credit Cards for Hotel Bookings in India (2026)

Marriott, Taj, Oberoi, ITC, OYO — the credit cards that reward each, and the transfer-partner routes that save the most.

Are Credit Card Rewards Taxable in India? The Income Tax Reality

Section 10(4)(i) exempts cashback and rewards from income tax. The 2023 TDS rule covers gaming winnings, not card rewards.

How to Value a Reward Point — The Math That Actually Matters

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