How to plan a trip with credit card points in India

Write the trip before you chase points

Name the city or the route, the month, and whether you will book with miles, a bank travel portal, or cash plus a high-earn card. Those three paths are not interchangeable.

If you do not know the airline, prefer a flexible currency such as a bank portal or a program with several transfer partners. If you always fly one airline, aim spends at the card that transfers there.

Fund it from spends that actually earn

Rent, fuel, and many government payments often earn little. Groceries, dining, and supported online checkouts are the spends you can aim. Ninety days of ordinary orders will not look like a fare until you assign them.

Perks Premium is built for goals and trips with deadlines after a waitlist invite. Checkout picks stay free so you keep earning while the plan is in the app.

• Pick the month first. Then the redemption type.
• Aim eligible spends at the cards that burn into that trip.
• Do not collect cashback if you intend to transfer miles.

How Perks helps you plan a trip

Premium adds a goal with a deadline. Logging and card picks stay free. Paid website checkout is not live. Upgrade in the app after invite.

Common questions

How do I plan a trip with credit card points?

Set the month and the redemption path (miles, portal, or cash). Then put eligible everyday spends on the cards that fund that path.

How many points do I need for a flight?

It depends on the airline or portal and the date. Price the trip in rupees first, then divide by the rupee value of the burn path you will actually use.

Can Perks plan the trip for me?

Premium goals and trip planning are for waitlist invites, in the app. Logging and card picks stay free.