Your credit card points are worth far more than most banks want you to know. Compare redemption paths, understand transfer partners, and find the best value — whether through travel, transfers, or eligible value recovery.
Bank catalogue gives ₹0.20-0.30/pt. Transfer to airlines can give ₹1.00+/pt. The path you choose determines your value.
Premium cards like Infinia and Magnus offer 1:1 transfers to airline partners — unlocking significantly higher value per point.
Super-premium cards (Infinia, Magnus, Amex Plat) earn points worth 2-4x more than entry-level cards.
Some programs expire points after 2-3 years. Understanding expiry timelines helps you avoid wasting accumulated value.
Banks offer multiple ways to use your points. Not all options give equal value. Here's how they typically compare:
* Values are indicative ranges. Actual value depends on specific program and redemption chosen.
India's top super-premium card. 1:1 transfer ratio to 10+ airline partners. Best for travel maximizers.
Top Axis card with Edge Miles. Transfer to Vistara, Singapore Airlines, and InterMiles partners.
American Express Membership Rewards with 18:1 Marriott transfer and airline partner access.
Strong mid-premium card with SmartBuy portal and airport lounge benefits. Good value recovery potential.
SBI's flagship premium card. Limited transfer options but solid via Cashard value recovery.
HSBC's travel-focused premium card with SmartValue redemption and MakeMyTrip integration.
Use our free calculator to get a personalized value estimate and see the best redemption path for your program.
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Reward points are loyalty currency earned on credit card spending. Each bank has its own program — HDFC has Reward Points, Axis has Edge Miles, Amex has Membership Rewards, etc. These points can be redeemed for travel, merchandise, cashback, or transferred to airline/hotel partners.
The best value typically comes from transferring points to airline frequent flyer programs and booking premium cabin award flights. For users who don't travel, value recovery through Cashard offers significantly better returns than bank catalogue redemption.
For eligible Green and Yellow programs, Cashard facilitates escrow-protected value recovery. This typically provides ₹0.35-0.70 per point — significantly better than the ₹0.20-0.30 most banks offer through their catalogues. The process requires no passwords or account credentials.
Yes. Cashard uses escrow protection for all transactions, requires KYC verification, never asks for card PINs/CVVs/passwords, and processes payouts via standard UPI or bank transfer. See our Trust & Security page for full details.
Policies vary by bank. HDFC points typically expire 2-3 years after earning. Axis Edge Miles have similar policies. Amex MR points generally don't expire while the card is active. Always check your specific program's terms.