Author: Samith R'krishnan
Profile: https://www.linkedin.com/in/aayushaskj/
Most Indians leave money on the table every time they redeem credit card points.
The same 100,000 HDFC Infinia points are worth ₹1,00,000 at SmartBuy — or ₹3,30,000 transferred to Singapore KrisFlyer for a Delhi-Singapore business class seat.
Same points. 3.3x difference.
The gap exists because too many moving pieces. So built one.
Points Terminal is a public tool that takes a card + points balance and ranks every redemption path . 49 cards across Indian banks. 38 redemption partners. Three-tier valuations (floor, realistic, ceiling) so you can compare
A few things learned building it:
1. Marriott Bonvoy is quietly the airline hub for Indians. ANA, Alaska, American, Cathay have no direct Indian bank transfers. Marriott's 3:1 airline transfer is the only path. Any Marriott devaluation is an airline devaluation.
2. The same bank transfers differently from different cards. HDFC Infinia → KrisFlyer is 1:1. Regalia Gold is 3:1.
3. Community Discord channels catch devaluations in minutes. Blogs in hours. Bank websites never announce them.
4. Floor vs Ceiling matters. ₹0.30/point for cashback vs ₹3.50/point for a Turkish business class seat. Both are "valid" valuations. The optimizer needs to show both.
The stack: React dashboard, graph-based ranking (ceiling INR per source point), data curated from PointsMath, CardInsider, LiveFromALounge, TechnoFino, r/CreditCardsIndia, and Telegram.
Live demo and code link in the first comment.
Not financial advice. Just math.
#Fintech #CreditCards #TravelHacking #IndianBanking #OpenSource
The same 100,000 HDFC Infinia points are worth ₹1,00,000 at SmartBuy — or ₹3,30,000 transferred to Singapore KrisFlyer for a Delhi-Singapore business class seat.
Same points. 3.3x difference.
The gap exists because too many moving pieces. So built one.
Points Terminal is a public tool that takes a card + points balance and ranks every redemption path . 49 cards across Indian banks. 38 redemption partners. Three-tier valuations (floor, realistic, ceiling) so you can compare
A few things learned building it:
1. Marriott Bonvoy is quietly the airline hub for Indians. ANA, Alaska, American, Cathay have no direct Indian bank transfers. Marriott's 3:1 airline transfer is the only path. Any Marriott devaluation is an airline devaluation.
2. The same bank transfers differently from different cards. HDFC Infinia → KrisFlyer is 1:1. Regalia Gold is 3:1.
3. Community Discord channels catch devaluations in minutes. Blogs in hours. Bank websites never announce them.
4. Floor vs Ceiling matters. ₹0.30/point for cashback vs ₹3.50/point for a Turkish business class seat. Both are "valid" valuations. The optimizer needs to show both.
The stack: React dashboard, graph-based ranking (ceiling INR per source point), data curated from PointsMath, CardInsider, LiveFromALounge, TechnoFino, r/CreditCardsIndia, and Telegram.
Live demo and code link in the first comment.
Not financial advice. Just math.
#Fintech #CreditCards #TravelHacking #IndianBanking #OpenSource
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