Devchandra Sah
Writer & Editor, CardAdvisor
Cards tested, miles earned, trips booked — for over a decade
Earn more points for less spend — then unlock more travel for fewer points.
Hi, I'm Dev. Cards have been a habit of mine since 2012 and the points game since 2014, and somewhere along the way a weekend curiosity about credit card rewards quietly turned into a full-blown passion. I am a software engineer by profession.
It started with a simple question: why were two people spending the same money getting wildly different value back? Answering it pulled me deep into how banks, airlines, and hotel loyalty programs actually work — the fine print, the transfer partners, the sweet spots most people never find. I approached it the way I approach engineering: test everything, trust the numbers, ignore the hype. More than a decade of that — the costly mistakes, the lucky breaks, the patterns that quietly repeat — taught me what the glossy brochures never will.
That's the whole reason CardAdvisor exists. I'd already paid the tuition of the learning curve, so why should you? My aim is to hand you the tried-and-tested playbook upfront — so you skip the painful trial-and-error and start winning from day one.
Here's the part most people miss: the real game starts long before you redeem. It begins with earning — squeezing far more points out of the exact same spends you're already making, by picking the right card for each rupee and stacking every bonus on offer. Build that stockpile first, and only then turn it into premium flights and hotel stays — booking redemptions through transfer partners like Accor ALL, Marriott Bonvoy, and Taj that would cost a fortune in cash. I'll walk you through both halves: how to stack the points, and how to spend them for maximum value. On CardAdvisor I share what actually works, with real booking examples rather than theory.
My goal is simple: help everyday professionals travel better and get maximum value from the cards they already carry.
Every recommendation here is based on independent research and personal experience — no paid placements, no affiliate-driven rankings. And one principle never changes: rewards are only worth it when they're earned without carrying debt or spending beyond your means. Points should fund your next trip, not your next EMI.
When I'm not writing about points and miles, you'll find me building software, picking apart a loyalty program, or planning the next award booking. Welcome to the journey.