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Points Value Calculator (Cash vs Points)

Short answer

The value of a point is the cash you save divided by the points you spend. On the default inputs (a flight at ₹6,200 in cash or 4,000 points plus ₹800 in taxes and fees) each point is worth ₹1.35, which beats a ₹0.40 minimum, so redeeming is a good deal.

Before you spend loyalty points on a flight or hotel, check what each point buys. Enter the cash price, the points price and the cash you still pay, and you get the value per point. Redeem only when it beats the minimum value you set for yourself.

Check the booking screen. Taxes and convenience fees are usually paid in cash.

Your own rule. Redeem only when each point is worth at least this much.

Worth redeeming

₹1.35 per point

Cash you save by redeeming
₹5,400
Your minimum per point
₹0.40
Points used
4,000

How it is calculated

  • Cash saved = cash price − cash fees paid when redeeming
  • Value per point = cash saved ÷ points required
  • Redeem if the value per point is at least the minimum you set; otherwise pay cash and keep your points.
  • Compare the same flight, date and fare type. Points often cost more on peak dates.

Estimates for information only; not financial, tax or legal advice.

Worked example

Example (the default inputs): a flight costs ₹6,200 in cash or 4,000 points plus ₹800 in taxes and fees. You save ₹6,200 − ₹800 = ₹5,400, so each point is worth ₹5,400 ÷ 4,000 = ₹1.35. If your minimum is ₹0.40 a point, redeeming is a good deal.

Frequently asked questions

Why subtract the cash fees?

Because you pay them either way. Only the part of the price that the points replace counts as value.

What minimum value per point should I use?

It is your call. Many people set a floor based on what they would get from cashback or from their usual redemption. Third-party estimates of IndiGo BluChip value range widely, and IndiGo publishes no fixed rupee value, so use your own number.

Do official-travel points belong to me?

For central government employees, no mileage points are generated on tickets on government account, so there is nothing to redeem. See our guide on who owns the points.

Related perks

Know what a point is worth first

All Travel on Points guides

Estimates for information only; not financial, tax or legal advice. Disclaimer.