Credit card rewards, from checkout to burn

Four hubs and twelve guides for Indian cardholders. Earn at the payment screen. Plan a goal. Optimise the month. Burn when the rate is good.

Earn
How to earn more credit card rewards in India
You earn more when the card matches the checkout in front of you, not the card you used last time. Caps, milestones, and merchant offers change the real rate. Perks ranks the cards you already hold at supported checkouts so you pick before you pay.
Plan
Plan a trip or goal with credit card points
Points without a deadline become a balance you forget to use. A plan names the goal, the date, and the redemption type so everyday spends have somewhere to go. Perks Premium is built for that calendar, after a waitlist invite.
Optimise
How to maximise credit card rewards in India
Optimising is the unglamorous middle: groceries, rides, and orders aimed at a goal instead of a default card. Caps reset. Milestones sit half-finished. A statement shows where last month leaked. Perks is built to map those spends once you have a goal.
Burn
When to redeem credit card reward points in India
Burning is spending the points you already earned. The same balance can be worth several times more on a travel portal or a transfer partner than as statement credit. A bad redemption wipes months of careful earning. Check the rupee value before you tap redeem.