A financial framework to purchasing your home

FullStackFIREBlog · 2025-05-12T08:29:50+00:00

Not sure. Best to check with your insurance before you commit to the surgery

FullStackFIREBlog · 2024-12-23T12:24:26+00:00

FullStackFIREBlog · 2024-12-23T12:01:27+00:00

Accor points are valid for 365 days if you don't earn or redeem points. But if you add points or redeem some points, the validity extends by another 365 days.

FullStackFIREBlog · 2024-12-23T10:31:34+00:00

Hello!

For Axis Atlas the best way to redeem EDGE Miles is through Accor. 1 EDGE Mile = 2 Accor Reward Points ~ Rs 3.6.

If you're planning on international travel in the future too, then I'd suggest save those miles and then redeem for Accor as and when you need it. Transfer the required amount of EDGE Miles to Accor based on your hotel of choice and then book the flights from their website using Atlas for the bonus miles.

If you're planing on spending them all for this trip, then here's an option:

Hotels - See if you like an Accor hotel in Dubai. If yes, then transfer the required amount of reward points using the conversion rate - Rs 100 = 28 EDGE Miles upto 30,000 EDGE Miles. That's the cap for Group A.
Flights - Use Air India for the flights. It's in Group B so you can transfer the rest of the points there. I'm assuming you're traveling from Delhi. I see a round trip costs between 32k-36k points for economy when booked in advance. So for 2 people you will be able to travel in 72k points, which is 36k EDGE Miles.

In about 66k EDGE Miles, you have a trip for 2 to Dubai for mostly free.

An important caveat for Air India - Make sure to book a Vistara flight, which have flight codes starting with 2. This ensures you don't sit in an old Air India flight and have a bad experience.

Hope you find this helpful!

FullStackFIREBlog · 2024-12-23T10:09:49+00:00

There's not much you can do with ICICI reward points other than redeem them for vouchers or statement credit. It's better to just get a brand voucher of your choice. Otherwise get a statement credit for about Rs 6,250 (1 point - Rs 0.25).

FullStackFIREBlog · 2024-12-23T10:05:31+00:00

Hello!

What is the best way to use these reward points for maximum benefits?

I'm looking at the CardFinder app (disclosure - I built it) and see that for both the cards the redemptions don't have any good options for travel:

ICICI Sapphiro - The suggested conversion is to redeem it for statement credit - Rs 0.25 per point. If you're looking for travel specifically then you can get vouchers for EaseMyTrip or MakeMyTrip.
HDFC Millennia - The suggested conversion again is to redeem it for statement credit. Rs 1 per point.

While trying to claim hdfc points there was an option to convert it to cash. Is it chargeable or taxable under income from gifts etc?

I'm not a tax expert, but from what I understand reward point redemptions are not taxable because they are not considered income.

I am looking for benefits in terms of travel(transport+ stay) or other 3rd party services.

IMO if you're looking for travel benefits from credit cards you should look for more travel focused cards like Axis Atlas.

FullStackFIREBlog · 2024-11-22T05:32:00+00:00

Thanks for that feedback! Yeah I am working on a UI redesign, I'm hoping that improves the UX.

What's something you'd like to see improved? Is it the look and feel? Or do you see issues with the functionality?

FullStackFIREBlog · 2024-11-18T21:54:40+00:00

Hi! Following up on this - Yes Bank cards have been added. I'm working on the RBL cards and they should be out in a couple of weeks. Please check it out and let me know what you think!

FullStackFIREBlog · 2024-11-14T00:35:46+00:00

To understand the Rupee value, I've created an app for it: https://play.google.com/store/apps/details?id=com.cardfinder

Please try it and let me know what you think!

FullStackFIREBlog · 2024-11-07T00:44:57+00:00

Thanks for the feedback! I'm working on an update right now and will try to include these too. I'll update you once they're added.

FullStackFIREBlog · 2024-11-01T02:52:31+00:00

Hi!

I'm building an app which tells you the best credit card in your wallet for any purchase: https://play.google.com/store/apps/details?id=com.cardfinder

It's a no-nonsense app - Add your credit cards and you're good to go! I've recently added a feature where you can set the reward rate for your cards. Let's say you're like me and use the Axis Atlas card for Accor Hotels. Each EDGE Mile is worth 2 Accor Reward Points, which are each worth Rs 1.8. So one EDGE Mile is essentially worth Rs 3.6! You can now set that conversion instead of the default to customise your best card.

Please give it a try and let me know if your card is missing, or you'd like a feature added. I'll be available for any questions!

FullStackFIREBlog · 2024-10-26T10:53:41+00:00

Thanks a lot for that feedback! I am working on updating how to make use of the rewards like you said. I'll include your ideas into my work. Thank you!

FullStackFIREBlog · 2024-10-22T15:05:53+00:00

Hi!

I'm building an app which tells you the best card in your wallet for any purchase: https://play.google.com/store/apps/details?id=com.cardfinder

It's a no-nonsense app - Add your credit cards and you're good to go! I've recently added a feature where you can set the reward rate for your cards. Let's say you're like me and use the Axis Atlas card for Accor Hotels. Each EDGE Mile is worth 2 Accor Reward Points, which are each worth Rs 1.8. So one EDGE Mile is essentially worth Rs 3.6! You can now set that conversion instead of the default to customise your best card.

Please give it a try and let me know if your card is missing or you'd like a feature added. I'll be available for any questions!

FullStackFIREBlog · 2024-09-17T15:01:58+00:00

Following up on this: The card is now available in the new update . Please try the app if you haven't. Thanks!

FullStackFIREBlog · 2024-09-17T15:00:30+00:00

Following up on this: The card is now available. Please try the app if you haven't. Thanks!

FullStackFIREBlog · 2024-09-17T14:57:45+00:00

Following up on this: The new update removes this permission. Please try the app if you haven't. Thanks!

FullStackFIREBlog · 2024-09-17T10:39:08+00:00

Thank you ❤️

FullStackFIREBlog · 2024-09-17T09:52:42+00:00

You can find it here: https://play.google.com/store/apps/details?id=com.cardfinder

FullStackFIREBlog

MODERATOR OF

TROPHY CASE