How to optimize my travel spend

[Rushhh1010]

Hello TF community. I have around 15-20L in international travel planned with my family in the next 6-8 months. I needed some suggestions as to which card will provide me with the best return on expenses. I have Magnus, Infinia and Reserve. Magnus is now devalued and with the milestone benefit gone it doesn't make sense to me. I don't have a burgandy private account with Axis so Reserve is also more or less useless to me now. Infinia is great, but smartbuy has a cap of 15k points/month and smartbuy seems to offer value to me on flights only as I can get better value booking hotels elsewhere. Traveledge on the other hand offers better value on hotels and not so much on flights. What do you guys suggest I do now?

 

[Rushhh1010]

Anyone?

 

[gabu]

Axis atlas if booking directly with airline.

 

[Deleted member 11974]

amex plat travel
icici emirates
vistara cards

 

[Rushhh1010]

Thank you for your swift replies. I will be using Infinia, Atlas, Plat Travel, VI and RBL world safari.

 

[Deleted member 11974]

Thank you for your swift replies. I will be using Infinia, Atlas, Plat Travel, VI and RBL world safari.

check oif world safari gives points on international transactione because if it doenst no point,because they will charge you interbank rates which are inflated with forex markup

 

[Rushhh1010]

check oif world safari gives points on international transactione because if it doenst no point,because they will charge you interbank rates which are inflated with forex markup

Yes it offers zero points for international transactions but it has milestone benefits. And it has zero forex markup(MasterCard conversion rates), so I will use this for swiping in international pos terminals. And interbank forex rate is the ideal forex rate.

 

[Deleted member 11974]

Yes it offers zero points for international transactions but it has milestone benefits. And it has zero forex markup(MasterCard conversion rates), so I will use this for swiping in international pos terminals. And interbank forex rate is the ideal forex rate.

Wrong interbank forex rates are higher than spot and forex card rates.
Compare interbank rates once with niyo global rates and spot rates and see the difference

 

[Rushhh1010]

Wrong interbank forex rates are higher than spot and forex card rates.
Compare interbank rates once with niyo global rates and spot rates and see the difference

Interbank rates are the rates that you see on Google. Forex card are also bought at interbank rates at the prevailing rates of your purchase The interbank rate is the real exchange rate. It is determined by the daily trade of currency between the biggest banks in the world either for their own use, the government or on behalf of their customers.

 

[Deleted member 11974]

wrong

Interbank rates are the rates that you see on Google. Forex card are also bought at interbank rates at the prevailing rates of your purchase The interbank rate is the real exchange rate. It is determined by the daily trade of currency between the biggest banks in the world either for their own use, the government or on behalf of their customers.

one interbank rates dont show real time spot prices.
second forex cards like niyo global have way cheaper rates tha 0 markup credit cards
compare the rates once and do let me know