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With almost 1,000 well-researched articles and over 50,000 comments, CardExpert is a comprehensive resource on credit cards that can save you hours of searching. The consultation service fast-tracks access to tailored advice from India’s first and most trusted blog dedicated to credit cards.
If you prefer personalised guidance, you can reach out via email, phone, or Zoom to get answers to specific queries in minutes.
What I know
I’ve been actively using credit cards from multiple issuers for more than 10 years, ranging from lifetime-free cards to premium metal cards with annual fees up to Rs.70,000 such as Amex Platinum. My approach focuses on maximising rewards and benefits to offset travel and stay costs.
Typically, I hold 10+ credit cards and organise spending so rewards cover premium cabin flights and luxury hotel stays. Note: you don’t need to hold that many cards—beyond five cards it’s usually a personal preference.
Quick stats:
- Travelled to: 25+ countries across Europe, Africa & Asia.
- Domestic business class: Experience on Air India, Vistara and previously Jet Airways.
- International business class: Flights with Qatar, Etihad, Lufthansa, Cathay Pacific, Air Mauritius, Japan Airlines, Asiana, Thai Airways, SriLankan, Vietnam Airlines, Vistara/Jet Airways and others.
- Intra-Europe business class: British Airways, Swiss, Austrian, Lufthansa, Finnair, KLM, Brussels Airlines, Air Dolomiti.
- First class experience: Lufthansa.
- Hotel programs: Marriott (Platinum), Accor (Gold), Hilton (Gold), Radisson (VIP) and Taj.
I optimise annual credit card spending to achieve net returns typically between 5% and 20%, and you can expect similar outcomes depending on your profile in 2025. You may also ask about related topics like debit cards, forex, hotels, travel and tourist visas.
The Fee
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Choosing the plan
Note: Spends mentioned below refer to annual credit card spending.
# Beginner: If your annual credit card spends are under 25 Lakhs, consider the Beginner plan. This is an email-only service suited for simpler optimization needs.
# Pro: For a one-time, detailed credit card strategy with annual spends up to 50 Lakhs. Includes email and chat support for up to three months.
# VIP: Best for annual spends over 50 Lakhs. This plan includes two major calls (45 minutes each) over one year and ongoing support via WhatsApp or email for up to 25 major queries per year. Think of it as a credit card concierge service for your household.
As an illustration, on a 50L annual spend you could potentially save at least 5 Lakhs through travel benefits, making a consultation fee of 49,999 INR (1%) a modest investment relative to the returns. Payment via select gift cards may be possible—please email for details.
Exclusions: The service does not cover strategies that attempt to maximise rewards through high-value fuel, rent, utility or other manufactured spend techniques.
Recommendation: I generally recommend the VIP plan when feasible, since these conversations often require longer discussion. If you already understand credit card usage and redemptions well, the Beginner plan may suffice.
Booking process: After booking you will receive an email within a day with next steps. If you do not receive it or need priority scheduling, please contact the site so your request can be expedited.
FAQ’s
1. I have read all your articles; will the consultation still help?
If you’ve already read most of the content, you may already have the answers you need. If something is unclear or you have a unique situation, a consultation or a question in the relevant article comments can still be valuable.
2. I spend 5L a year on cards. Can you optimise my returns?
At that spend level, the site’s yearly best-credit-cards article usually provides sufficient guidance for choosing cards and maximising rewards.
3. Do you guarantee getting me a super-premium card?
Consultation provides tactics to improve your eligibility for premium cards like Infinia or Centurion. Many clients have succeeded using these strategies, but approval ultimately depends on the individual’s profile and issuer decisions, so guarantees aren’t possible.
4. Can I follow up later if needed?
Yes. Follow-up availability depends on the plan you choose; VIP plan includes ongoing chat support during the service period.
5. Can the VIP plan cover family members or friends?
VIP is intended for one household (two adults). If you need coverage for additional family members or friends, mention this in advance to arrange a custom solution. The VIP fair usage policy limits the plan to 25 major requests per year.
6. Can the consultation fee be reduced?
Fees are structured to be affordable relative to potential returns (typically under 1% of spend). If you prefer, you may use vouchers or points from select brands as payment—details can be discussed via email.
If you have questions, get personalised answers and book a one-on-one credit card consultation when consultations resume.