My 2025 rewards tracker - 4.5L points earned so far

by kavya.krishnan 27 Dec 2025, 02:14 am 453 views 18 replies

Just completed my H1 2025 rewards audit and the numbers are insane. Sharing my tracking methodology and results.

Cards in Rotation

  • HDFC Infinia (primary)
  • Amex Platinum Travel (travel)
  • Axis Magnus Burgundy (backup)
  • SBI Cashback (online)
  • AU Vetta (utilities)
  • Points Earned (Jan-Jun 2025)

    | Month | Infinia | Amex | Magnus | SBI | AU | Total Value |
    |-------|---------|------|--------|-----|----|----|
    | Jan | 45,000 | 12,000 | 8,000 | ₹4,500 | ₹2,100 | ₹82,500 |
    | Feb | 52,000 | 18,000 | 12,000 | ₹5,200 | ₹1,800 | ₹98,000 |
    | Mar | 68,000 | 25,000 | 15,000 | ₹6,800 | ₹2,400 | ₹1,28,200 |
    | Apr | 41,000 | 9,000 | 6,000 | ₹3,800 | ₹1,600 | ₹71,400 |
    | May | 55,000 | 21,000 | 11,000 | ₹5,500 | ₹2,200 | ₹1,01,700 |
    | Jun | 39,000 | 14,000 | 7,000 | ₹4,200 | ₹1,900 | ₹76,100 |

    Total value: ₹4,57,900

    Key Strategies

  • Route all high-value purchases through Infinia during 10X events
  • Use Amex exclusively for flights/hotels (3X + airline bonus)
  • SBI for Amazon/Flipkart (5% no questions asked)
  • AU for insurance, rent, utilities (1% cashback on exclusions)
  • Redemptions

  • Transferred 80K Infinia points to Singapore Airlines (business class to Tokyo worth ₹2.8L)
  • Cashed out ₹28K from SBI
  • Keeping Amex points for future hotel transfers
  • Tracking Tools

    Using a Google Sheet with automatic categorization. Happy to share template if anyone wants.

    The goal is to cross ₹10L in rewards value by year end. Achievable with Q3-Q4 festive season spending.

    2

    18 Comments

    AU Vetta for utilities is genius. Most people don't realize rent/insurance can still earn 1% somewhere vs nothing on most premium cards.

    0

    Which spreadsheet do you use? I've tried Excel, Google Sheets, Notion - nothing sticks. Always fall back to CRED's auto-tracking.

    0

    Pro tip: Add a 'missed rewards' column. I track where I used the wrong card. Motivates me to pay attention. Lost ₹18K last year in missed rewards.

    1

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