About Arvind | Travel on Points

I’m Arvind. I got serious about Indian credit cards a little over four years ago—and that rabbit hole is what let me book 20+ free flights and 30+ free five-star stays while holding 8 cards across the major issuers.

Arvind looking out at a beach sunset — Travel paid in points—not wishful thinking.

Since then, I haven’t really exited the game. It started as an obsession with maximising every swipe; now I keep playing because the “free” experiences are still ridiculous when you know how to stack cards, portals, and loyalty programmes.

I mean—why not?

Why leave complimentary lounges, hotel certificates, milestone vouchers, and transfer bonuses on the table when the same spend was going to happen anyway?

Business class inflight meal on an Air India flight from Bengaluru to Delhi, with Namaste magazine in the seat pocket — Biz class Air India from BLR to DEL

Business class inflight main meal menu held open in the cabin — Biz Class menu

A recent example: a complimentary luxury airport transfer on a premium card—airport to hotel in a chauffeured car that would have cost thousands in cash. Same trip, better arrival, money still in the wallet. And when the stay itself is on points, the key card feels even better.

Wooden Taj City Centre Gurugram hotel key card held in hand — Taj Gurgaon

So why am I here?

Years ago I was searching for a single place that explained Indian credit cards clearly—what actually earns, what got cut, which loyalty programmes still make sense—and most of what I found was either outdated, salesy, or buried in forum threads without sources.

So I built Travel on Points: an independent editorial site that tracks offers, launches, devaluations, and loyalty how-tos for people who actually spend and redeem in India.

The goal is simple—help you spend wisely so you earn more Reward Points, cashback, miles, and vouchers, then burn them on flights and hotels instead of leaving value unused. If you read here regularly, cash fares and rack hotel rates should start to feel optional.

Luxury hotel suite with freestanding bathtub and marble floors at Taj Gurgaon — Taj Gurgaon

Lounge at Accor Grand Mercure Agra with magenta sofa and grey armchairs at night — ALL Accor Grand Mercure Agra

Hotel room with colorful patchwork carpet and yellow pendant light at ITC Andaman — ITC Andaman

Twin beds in a modern hotel room with tropical leaf pillows at Ibis Goa — Ibis Goa

Quiet beach at twilight on Swaraj Dweep, Andaman, with forest edge and gentle waves — Swaraj Dweep, Andaman

How Travel on Points helps you

This site explains Indian credit cards and loyalty programmes in plain English. That helps if you are picking a first cashback card, or if you already have a high-fee card and want to know whether the annual fee is still worth it.

I write about what people actually use: weekend offers, bank portals like SmartBuy, when hotel or airline partners change, lounge rules, and how loyalty programmes work. I start with the bank or hotel’s own terms. Tips from Twitter or forums are useful, but I do not treat them as the last word.

I have done this myself for more than four years. I hold 8 cards, and I have booked 20+ free flights and 30+ free five-star stays. Travel on Points is that playbook, written down so you can use it too.

News and guides on this site are free. Offers and fees change often, so always check the bank or partner page before you spend or apply.