POINTS COACH
Stop leaving money in your points
We do the math so you don’t have to — where to use which points, and the sweet spots most people miss.
How the points game really works
Most cardholders never optimize because nobody does the math for them. Here's the 30-second version.
🧮 1 point is NOT ₹1
Most reward points are worth ₹0.20–₹0.30 as cashback. The "value" your bank shows is rarely what you actually get.
🛣️ How you redeem decides the value
The same point can be worth ₹0.25 as statement credit or ₹1.00+ transferred to airline miles. The route is everything.
✈️ Transfers unlock the big value
Premium cards let you move points to airline/hotel partners — often 3–4× more value, especially for flights.
⏳ Points expire — and get devalued
Unused points lapse, and banks quietly cut their value. Redeeming on time is half the game.
Values are estimates and offers change often. Always confirm on the issuer's site before redeeming.