PointsFly

PointsFly helps you turn your credit card points into real flights, hotels, and your next dream trip, instead of letting them sit idle or get cashed out cheap.

SET A DREAM DESTINATION, WATCH IT COUNT DOWN

Pick your dream trip: Maldives, Bali, Europe, or a quick Goa getaway. PointsFly tracks your points daily against it, shows exactly how many more you need, and tells you the cheapest way to get there, down to the transfer partner and ratio.

LIVE ALERTS ON EVERY TRANSACTION

Get notified the moment you earn points, and see exactly how much closer you just got to your goal. No more guessing your balance or logging into five different bank apps.

KNOW THE BEST CARD FOR EVERY PURCHASE

Stop defaulting to one "main" card. PointsFly ranks every card in your wallet for any purchase amount and category, and shows exactly how many points each one would earn, so you always swipe the one that earns the most.

ONE WALLET FOR EVERY CARD YOU OWN

HDFC, Axis, ICICI, SBI, Amex; track every card, every transaction, every point balance in one place.

PointsFly tells you offers and per point value redeemed by using every card, for every transaction, recommends the best card for your transaction and lets you know of the offers available on your cards.

See your total portfolio value, and instantly know if a different card would have earned you more on any past spend.

BOOK FLIGHTS ON YOUR POINTS

Search real flights across airlines like Air India, IndiGo, and Vistara. Compare the cash price against the points price, see the exact value per point, and book instantly or let AIRA do it for you.

BOOK HOTELS ON YOUR POINTS

Compare cash vs. points value across hotel chains and loyalty programs, redeem instantly, and see exactly how many rupees per point you're getting before you commit.

IN-STORE ALERTS

Set alerts for up to 20 stores. Walk in, and PointsFly tells you which card in your wallet to swipe before you tap — not after you've already earned less than you should have.

MEET AIRA: YOUR AI REWARDS AGENT

Ask AIRA anything, in English or Hindi: "Which card is best for Air India?" "Get me to Bali in business class for under 60,000 points." "There's a sale on Myntra, does any of my cards get me extra points?" One straight answer, no digging through T&Cs, bank forums, or Reddit threads.

WHY THIS MATTERS

Your credit card points aren't a bonus. They're a return on every rupee you spend and if you're redeeming them for cashback or gift vouchers, you're cashing that return in at a fraction of its worth.

Cashback and vouchers typically pay ₹0.20–₹0.25 per point. The same points, transferred to the right airline or hotel partner, can be worth ₹0.50 to ₹1.50+ per point, sometimes more on business class or peak-season redemptions. Redeem 2,00,000 points for cashback instead of travel, and you could be leaving ₹60,000–₹2,40,000 on the table.

Points feel like a "bonus," so most people redeem them the easy way and feel good about it. That's the trap: it's still your money, earned the moment you spent it. Treat it like the return it is, and optimise it the way you'd optimise any investment.

Awareness is step one. PointsFly is the system that turns that awareness into real value, before you spend, while you spend, and when you redeem.

Download PointsFly and find out what your points are really worth.