Last updated: 17 August 2026
How Points Work
Har ₹100/$1 spend par points milte hain (1x-10x). Types: Membership Rewards (Amex), SmartBuy (HDFC), Rewards (ICICI), Ultimate Rewards (Chase).
Points Value (Redemption)
| Redemption | Value (India) |
|---|---|
| Airline miles transfer | Best — 0.5-1 ₹/point |
| Statement credit | ~0.5 ₹/point |
| Shopping vouchers | 0.3-0.5 ₹/point |
Track Points in Excel
Points tracking guide — ledger sheet + milestone trackers ready. Statement to convert karke monthly points verify do.
Common Mistakes
- Letting points expire (2–5 years) | wasting points on low-value redemptions | using points to waive fees (usually a bad deal)
Convert your statement — free!
🚀 Open the Tool
🚀 Open the Tool
Frequently Asked Questions
Q: What are credit card reward points?
A: Points earned on spending, redeemable for flights, vouchers and cashback.
Q: What is the value of one reward point?
A: India: 0.25-1 ₹ depending on card aur redemption. Airline transfer usually best value.
⚠️ Important Note: Credit card rates, fees and rules vary by bank and card (and change over time). This guide is general information — confirm details with your bank's official statement, fee schedule or customer care. Our tool only helps extract your statement data into Excel — it does not provide financial advice. Poora disclaimer read.