Personal Credit Card Portfolio: Yearly Review of Rewards Earned and Redeemed 2024

[TechnoFinoTechnoFino is verified member.]

Hey TFCians,

As we bid farewell to 2024 and gear up for a fantastic 2025, let's take a moment to reflect on the year gone by. Here's a recap of my personal credit card portfolio, reward earnings, and redemptions from this incredible year.

My Credit Card Portfolio (as of 31st December 2024, 9:35 PM)​

I currently hold 61 primary credit cards (no add-ons).

Most Used Credit Cards in 2024​

• Yes Private
• HDFC Infinia
• Kotak Indigo 6E XL
• ICICI Emeralde Private Metal
• Amex Business Marriott
• Amex Platinum (CS)

Rewards Earned in 2024​

• Yes Private: 26,01,668 Reward Points
  
• HDFC Infinia: 2,78,690 Reward Points
• Kotak Indigo 6E XL: 60,847 6E Points
  
• Amex MR Points: 13,04,303 MR Points
  
• Notable Debit Card Reward: IDFC First Wealth: 5,15,451
  

Redemptions in 2024​

1. Malaysia Trip (February 2024):
   • Flew Singapore Airlines Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
2. Bali, Indonesia Trip (April 2024):
   • Flew Thai Airways Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
3. Japan Trip (June 2024):
   • Flew ANA Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
4. Almaty, Kazakhstan Trip (September 2024):
   • Flew Indigo Airlines
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
5. Mathura & Vrindavan Family Trip:
   • Flew Vistara Premium Economy using CV Points
   • Stayed at a resort using Yes Private Points
6. Taiwan (March, 2025):
   • Flew Thai Airways, EVA Airways & Singapore Airlines Business Class
   • Stayed at Sheraton Grand Taipei Hotel Marriott Hotels
   • Fully funded by points and miles

Upcoming Trips (2025 - Flights Already Booked)​

1. South Africa:
   • Ethiopian Airways (Business Class)
   • Marriott Hotels booked using points and airmiles
2. China:
   • Singapore Airlines ( First & Business Class)
   • Marriott Hotels booked using points and airmiles

Current Points & Miles Balances​

• Marriott Points: 814,747
  
• ITC Green Points: 2,16,457
  
• Accor Points: 1,71,118
  
• United Miles: 4,35,100
  
• MR Points (US): 3,33,572
  
• KrisFlyer Miles (Singapore Airlines): 217,158
  

2024 has been a stellar year, both for reward earnings and redemptions. Here's wishing all of you an equally rewarding 2025. May the Points Gods bless your accounts with tons of airmiles and rewards!

Wishing you and your family a very Happy New Year!
Cheers 🥂

Now, it's your turn—share your 2024 credit card journey and inspire others!

 

[shashankjain]

This is crazy points earned in a year. Where do you travel so much? Work related?

 

[ccdc]

why would we show our meagre points against this mountain.....

 

[moneyMaker]

Whats the eligibility criteria for yes private ?

 

[InfamousInfamous is verified member.]

Curious to know, what do you do for work @TechnoFino ?

 

[sauravkumar]

Whats the eligibility criteria for yes private ?

+1

Even I am curious now... What is special in this hidden gem??🤔🤔

 

[ashwinikumar900]

Hey TFCians,

As we bid farewell to 2024 and gear up for a fantastic 2025, let's take a moment to reflect on the year gone by. Here's a recap of my personal credit card portfolio, reward earnings, and redemptions from this incredible year.

My Credit Card Portfolio (as of 31st December 2024, 9:35 PM)​

I currently hold 61 primary credit cards (no add-ons).

Most Used Credit Cards in 2024​

• Yes Private
• HDFC Infinia
• Kotak Indigo 6E XL
• ICICI Emeralde Private Metal
• Amex Business Marriott
• Amex Platinum (CS)

Rewards Earned in 2024​

• Yes Private: 26,01,668 Reward Points
  View attachment 79134View attachment 79135
• HDFC Infinia: 2,78,690 Reward Points
• Kotak Indigo 6E XL: 60,847 6E Points
  View attachment 79136
• Amex MR Points: 13,04,303 MR Points
  View attachment 79137

Redemptions in 2024​

1. Malaysia Trip (February 2024):
   • Flew Singapore Airlines Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
2. Bali, Indonesia Trip (April 2024):
   • Flew Thai Airways Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
3. Japan Trip (June 2024):
   • Flew ANA Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
4. Almaty, Kazakhstan Trip (September 2024):
   • Flew Indigo Airlines
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
5. Mathura & Vrindavan Family Trip:
   • Flew Vistara Premium Economy using CV Points
   • Stayed at a resort using Yes Private Points

Upcoming Trips (2025 - Flights Already Booked)​

1. Taiwan:
   • Thai Airways, EVA Airways & Singapore Airlines (Business Class)
   • Marriott Hotels booked using points and airmiles
2. South Africa:
   • Ethiopian Airways (Business Class)
   • Marriott Hotels booked using points and airmiles
3. China:
   • Singapore Airlines (Business Class)
   • Marriott Hotels booked using points and airmiles

Current Points & Miles Balances​

• Marriott Points: 814,747
  View attachment 79138
• ITC Green Points: 2,16,457
  View attachment 79139
• Accor Points: 1,71,118
  View attachment 79140
• United Miles: 4,35,100
  View attachment 79141
• MR Points (US): 3,33,572
  View attachment 79142
• KrisFlyer Miles (Singapore Airlines): 217,158
  View attachment 79144

2024 has been a stellar year, both for reward earnings and redemptions. Here's wishing all of you an equally rewarding 2025. May the Points Gods bless your accounts with tons of airmiles and rewards!

Wishing you and your family a very Happy New Year!
Cheers 🥂

Now, it's your turn—share your 2024 credit card journey and inspire others!

Just out of curiosity! What would be the approximate value in Rupees for these points? And how much did you spend for this?

 

[TechnoFinoTechnoFino is verified member.]

This is crazy points earned in a year. Where do you travel so much? Work related?

Optimisation is the key....

why would we show our meagre points against this mountain.....

I used to use the HDFC Regalia a few years ago, back in 2019, I believe, and I was quite happy with just earning Regalia points.

Whats the eligibility criteria for yes private ?

Yes Private relationship, 5 CR NRV, invite only card, but you can request Yes bank.

Curious to know, what do you do for work @TechnoFino ?

Just a normal teacher, Amazon US seller, and this TechnoFino you all know.

Just out of curiosity! What would be the approximate value in Rupees for these points? And how much did you spend for this?

Yes Private Points worth INR 6,50,417, Infinia INR 2,78,690, Kotak Indigo 6E INR 60,847, MR Points (India, 1 MR = INR 0.50) INR 6,52,001, Marriott (1 MB=0.954 MiB INR 0.50) INR 4,07,373, ITC Green INR 2,16,457, Accor (1 Point = INR .80) INR 3,08,012, United Miles (assuming 1 Miles = INR 1) 4,35,100, United Travel Bank INR 1,19,790, MR US cash value 3,13,940, KrisFlyer (Assuming 1 Miles = INR 1) 2,17,158

 

[moneyMaker]

Private relationship, 5 CR NRV

Should I trust Yes bank with 5 Cr?

 

[CardTroller]

Optimisation is the key....

I used to use the HDFC Regalia a few years ago, back in 2019, I believe, and I was quite happy with just earning Regalia points.

Yes Private relationship, 5 CR NRV, invite only card, but you can request Yes bank.

Just a normal teacher, Amazon US seller, and this TechnoFino you all know.

Yes Private Points worth INR 6,50,417, Infinia INR 2,78,690, Kotak Indigo 6E INR 60,847, MR Points (India, 1 MR = INR 0.50) INR 6,52,001, Marriott (1 MB=0.954 MiB INR 0.50) INR 4,07,373, ITC Green INR 2,16,457, Accor (1 Point = INR .80) INR 3,08,012, United Miles (assuming 1 Miles = INR 1) 4,35,100, United Travel Bank INR 1,19,790, MR US cash value 3,13,940, KrisFlyer (Assuming 1 Miles = INR 1) 2,17,158

Holy 🤯🤯😵‍💫😵‍💫😵‍💫😵😵😵
It's fkin Rs. 3659785

 

[ashwinikumar900]

Optimisation is the key....

I used to use the HDFC Regalia a few years ago, back in 2019, I believe, and I was quite happy with just earning Regalia points.

Yes Private relationship, 5 CR NRV, invite only card, but you can request Yes bank.

Just a normal teacher, Amazon US seller, and this TechnoFino you all know.

Yes Private Points worth INR 6,50,417, Infinia INR 2,78,690, Kotak Indigo 6E INR 60,847, MR Points (India, 1 MR = INR 0.50) INR 6,52,001, Marriott (1 MB=0.954 MiB INR 0.50) INR 4,07,373, ITC Green INR 2,16,457, Accor (1 Point = INR .80) INR 3,08,012, United Miles (assuming 1 Miles = INR 1) 4,35,100, United Travel Bank INR 1,19,790, MR US cash value 3,13,940, KrisFlyer (Assuming 1 Miles = INR 1) 2,17,158

Total spend value, approx? May be more than 5cr INR?

 

[TechnoFinoTechnoFino is verified member.]

Total spend value, approx? May be more than 5cr INR?

Never counted this way.... but yea... it's high

 

[kuchbhikuchbhi is verified member.]

Optimisation is the key....

I used to use the HDFC Regalia a few years ago, back in 2019, I believe, and I was quite happy with just earning Regalia points.

Yes Private relationship, 5 CR NRV, invite only card, but you can request Yes bank.

Just a normal teacher, Amazon US seller, and this TechnoFino you all know.

Yes Private Points worth INR 6,50,417, Infinia INR 2,78,690, Kotak Indigo 6E INR 60,847, MR Points (India, 1 MR = INR 0.50) INR 6,52,001, Marriott (1 MB=0.954 MiB INR 0.50) INR 4,07,373, ITC Green INR 2,16,457, Accor (1 Point = INR .80) INR 3,08,012, United Miles (assuming 1 Miles = INR 1) 4,35,100, United Travel Bank INR 1,19,790, MR US cash value 3,13,940, KrisFlyer (Assuming 1 Miles = INR 1) 2,17,158

what do you teach sire?

 

[ashwinikumar900]

Never counted this way.... but yea... it's high

I really appreciate your transparency. See, I was using HDFC BUSINESS REGALIA till 2023, and just because of you I came to know about these points world extensively, and earned a lot too, well, relatively. So thanks a lot man. 👍

 

[skip_tyler]

Hey TFCians,

As we bid farewell to 2024 and gear up for a fantastic 2025, let's take a moment to reflect on the year gone by. Here's a recap of my personal credit card portfolio, reward earnings, and redemptions from this incredible year.

My Credit Card Portfolio (as of 31st December 2024, 9:35 PM)​

I currently hold 61 primary credit cards (no add-ons).

Most Used Credit Cards in 2024​

• Yes Private
• HDFC Infinia
• Kotak Indigo 6E XL
• ICICI Emeralde Private Metal
• Amex Business Marriott
• Amex Platinum (CS)

Rewards Earned in 2024​

• Yes Private: 26,01,668 Reward Points
  View attachment 79134View attachment 79135
• HDFC Infinia: 2,78,690 Reward Points
• Kotak Indigo 6E XL: 60,847 6E Points
  View attachment 79136
• Amex MR Points: 13,04,303 MR Points
  View attachment 79137

Redemptions in 2024​

1. Malaysia Trip (February 2024):
   • Flew Singapore Airlines Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
2. Bali, Indonesia Trip (April 2024):
   • Flew Thai Airways Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
3. Japan Trip (June 2024):
   • Flew ANA Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
4. Almaty, Kazakhstan Trip (September 2024):
   • Flew Indigo Airlines
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
5. Mathura & Vrindavan Family Trip:
   • Flew Vistara Premium Economy using CV Points
   • Stayed at a resort using Yes Private Points

Upcoming Trips (2025 - Flights Already Booked)​

1. Taiwan:
   • Thai Airways, EVA Airways & Singapore Airlines (Business Class)
   • Marriott Hotels booked using points and airmiles
2. South Africa:
   • Ethiopian Airways (Business Class)
   • Marriott Hotels booked using points and airmiles
3. China:
   • Singapore Airlines (Business Class)
   • Marriott Hotels booked using points and airmiles

Current Points & Miles Balances​

• Marriott Points: 814,747
  View attachment 79138
• ITC Green Points: 2,16,457
  View attachment 79139
• Accor Points: 1,71,118
  View attachment 79140
• United Miles: 4,35,100
  View attachment 79141
• MR Points (US): 3,33,572
  View attachment 79142
• KrisFlyer Miles (Singapore Airlines): 217,158
  View attachment 79144

2024 has been a stellar year, both for reward earnings and redemptions. Here's wishing all of you an equally rewarding 2025. May the Points Gods bless your accounts with tons of airmiles and rewards!

Wishing you and your family a very Happy New Year!
Cheers 🥂

Now, it's your turn—share your 2024 credit card journey and inspire others!

Yahaan toh alag hi game chal raha hai, hum toh LTF se hi khush hai 🤣 🤣

 

[TechnoFinoTechnoFino is verified member.]

what do you teach sire?

Primary school teacher

 

[mastfun]

View attachment 79160
Primary school teacher

Primary school teacher in the USA?

 

[anirban.choudhuryanirban.choudhury is verified member.]

Hey TFCians,

As we bid farewell to 2024 and gear up for a fantastic 2025, let's take a moment to reflect on the year gone by. Here's a recap of my personal credit card portfolio, reward earnings, and redemptions from this incredible year.

My Credit Card Portfolio (as of 31st December 2024, 9:35 PM)​

I currently hold 61 primary credit cards (no add-ons).

Most Used Credit Cards in 2024​

• Yes Private
• HDFC Infinia
• Kotak Indigo 6E XL
• ICICI Emeralde Private Metal
• Amex Business Marriott
• Amex Platinum (CS)

Rewards Earned in 2024​

• Yes Private: 26,01,668 Reward Points
  View attachment 79134View attachment 79135
• HDFC Infinia: 2,78,690 Reward Points
• Kotak Indigo 6E XL: 60,847 6E Points
  View attachment 79136
• Amex MR Points: 13,04,303 MR Points
  View attachment 79137

Redemptions in 2024​

1. Malaysia Trip (February 2024):
   • Flew Singapore Airlines Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
2. Bali, Indonesia Trip (April 2024):
   • Flew Thai Airways Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
3. Japan Trip (June 2024):
   • Flew ANA Business Class
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
4. Almaty, Kazakhstan Trip (September 2024):
   • Flew Indigo Airlines
   • Stayed at Marriott Hotels
   • Fully funded by points and miles
5. Mathura & Vrindavan Family Trip:
   • Flew Vistara Premium Economy using CV Points
   • Stayed at a resort using Yes Private Points

Upcoming Trips (2025 - Flights Already Booked)​

1. Taiwan:
   • Thai Airways, EVA Airways & Singapore Airlines (Business Class)
   • Marriott Hotels booked using points and airmiles
2. South Africa:
   • Ethiopian Airways (Business Class)
   • Marriott Hotels booked using points and airmiles
3. China:
   • Singapore Airlines (Business Class)
   • Marriott Hotels booked using points and airmiles

Current Points & Miles Balances​

• Marriott Points: 814,747
  View attachment 79138
• ITC Green Points: 2,16,457
  View attachment 79139
• Accor Points: 1,71,118
  View attachment 79140
• United Miles: 4,35,100
  View attachment 79141
• MR Points (US): 3,33,572
  View attachment 79142
• KrisFlyer Miles (Singapore Airlines): 217,158
  View attachment 79144

2024 has been a stellar year, both for reward earnings and redemptions. Here's wishing all of you an equally rewarding 2025. May the Points Gods bless your accounts with tons of airmiles and rewards!

Wishing you and your family a very Happy New Year!
Cheers 🥂

Now, it's your turn—share your 2024 credit card journey and inspire others!

Massive YP points

 

[RDR]

Holy 🤯🤯😵‍💫😵‍💫😵‍💫😵😵😵
It's fkin Rs. 3659785

That’s more money than people make from their jobs in a year 😆

@TechnoFino
Is technofino profitable?

 

[cardio_guycardio_guy is verified member.]

Baap of all card point collectors. The real daddy. 😳 😮
I think most of the points come from either Amazon US reselling or referrals. 😍 🤩

All spends would be through CC on Amazon reselling business. I think Boss is the king of credit card points in india. No one else can best this. Wonderful.