The Points Maximisation Cheat Sheet
Everything that separates people who quietly win at credit card rewards from those who leave money on the table — distilled onto two printable pages.
Get the free Points Maximisation Cheat Sheet
Every rule that separates people who win at credit card rewards from those who leave money on the table — on two printable pages.
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What's inside
The 5 Golden Rules
The non-negotiables that keep a card free instead of a debt trap.
Redemption Value Ladder
What a point is really worth — from ₹1 on travel down to the ₹0.20 catalogue trap.
Best Card by Spend
Which type of card wins for shopping, dining, travel, fuel, and more.
Points Expiry Table
When each bank's points expire — HDFC, SBI, Axis, ICICI, Amex, IDFC First.
Costly Traps
The mistakes that quietly drain your rewards and hurt your CIBIL.
Monthly 5-Min Checklist
A quick routine that keeps you winning without the effort.
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