Guides, deal alerts and real rupee maths to help you earn more from your cards and travel better. New here? Start with the Trip Spend Planner or the Rewards Toolkit.
📅 Updated as of 28 Sep 2026 ⚠️ What’s changed: Amex replaced Reward Multiplier with ShopWise in February 2026 (new fees and caps), so the Amex maths here is outdated. SmartBuy and Gyftr discounts/multipliers change month to month, and HDFC’s 15,000 bonus RP monthly cap now includes vouchers. Check the live rate before you buy….
📅 Updated as of 28 Sep 2026 ⛔ Deal Ended — this was live award space in September 2025 and is long gone. Air India also overhauled Maharaja Club in 2026 — see what changed before you plan a redemption. DealUni is independent — not affiliated with or endorsed by any bank, airline or hotel…
📅 Updated as of 28 Sep 2026 ⚠️ What’s changed in 2026: From April 2026 the fee waiver needs ₹18 lakh annual spend (or ₹50 lakh relationship value with HDFC). SmartBuy accelerated rewards are capped at 15,000 bonus RP a month — and vouchers now count toward that cap. Airmiles/hotel transfers are capped at 1.5…
📅 Updated as of 28 Sep 2026 ⚠️ What’s changed: Amex → Etihad transfers ended on 1 July 2026. To top up Etihad Guest today, use HSBC TravelOne / Premier (1:1), Axis Atlas (1:2) or Magnus for Burgundy (5:4). The booking steps below are unchanged. DealUni is independent — not affiliated with or endorsed by…
📅 Updated as of 28 Sep 2026 2026 note: The basics below still apply, but banks tightened a lot this year — HDFC → hotel partners like Accor is 2:1, Axis devalued its transfers, and Amex paused new applications. Check live ratios in our Rewards Toolkit before you transfer. DealUni is independent — not affiliated…