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Trip Points Planner (Flights, Hotel and Card)

Short answer

Points stack: the airline, the hotel and the rewards card each earn on the same trip. On the placeholder rates in the defaults, which are not any programme's real terms, a ₹25,000 trip earns 640 airline, 600 hotel and 500 card points, worth about ₹806, a 3.2% return on spend.

Points stack. The airline gives points on the fare, the hotel gives points on the stay, and a rewards card gives points on the payment. Enter your own earn rates and what a point is worth to you to see the combined value. The defaults are placeholders, so replace them with your programmes' published rates.

Usually base fare and fuel surcharge. Taxes often do not earn.

Check your programme's current earn table

Estimated value of points earned

₹806

Airline points
640
Hotel points
600
Card points
500
Total trip spend
₹25,000
Effective return on spend
3.2%

How it is calculated

  • Airline points = airfare ÷ 100 × airline earn rate
  • Hotel points = hotel spend ÷ 100 × hotel earn rate
  • Card points = total trip spend ÷ 100 × card earn rate (if you pay by card)
  • Value = points × your value per point. Return = total value ÷ total trip spend.
  • The defaults are placeholders. Replace them with your own programmes' published rates and your own value per point.

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

Worked example

Example (the default placeholders): ₹8,000 airfare at 8 points per ₹100 gives 640 airline points. ₹12,000 of hotel at 5 per ₹100 gives 600 hotel points. Paying the whole ₹25,000 trip by card at 2 per ₹100 gives 500 card points. At ₹0.40, ₹0.50 and ₹0.50 a point, the total is about ₹806, a 3.2% return on spend. These rates are illustrations, not any programme's real terms.

Frequently asked questions

Can I earn on an official trip?

It depends on who you work for. For central government employees, tickets on government account generate no mileage points. Private-sector employees should follow their company's travel policy. Read our guide before you plan around it.

Why might airline points be lower than the headline rate?

Programmes usually exclude taxes and some fare types, and tickets bought through a corporate account or travel agent may not credit your personal account.

Does card spend on travel always earn points?

No. Many cards cap or exclude some categories. Check your card's current terms.

Related perks

Government employee? Find your salary by pay level and see 8th Pay Commission scenarios.

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