Now if you have known me for a while, you’ll remember that before I met Ajay, I was the kind of person who didn’t care about airline loyalty, firmly believed that “cash is king” and paying to get a credit card for me was a complete NO.
I was exposed to the subject of miles and points (not by choice!) by Ajay in 2014 and since then my perspective has changed phenomenally. I won’t lie, it is still quite a task to discipline myself and pull out that plastic card instead of a crisp note from my wallet every time I buy something, but I am beginning to realize the benefits of plastic money. It has made my travel comfortable in unexpected ways and therefore from being a NO credit card girl today I carry multiple credit cards in my wallet.
When Ajay first wrote about the 50% bonus on converting Citi points to BA Avios, I sort of overlooked the post. Reason, we have 3 Prestige cards in the family and our spending buckets for each card is segmented. So that leaves me with using my card mainly for home expenses, recharge my PayTM account, pay for a few dinners and do all my international spends when travelling abroad. This also means that I don’t stack too many points on my card and I when I first read the post I thought why even bother considering the transfer opportunity.
However, today Ajay asked me re-consider transferring some of my Citibank Prestige points to Avios. I didn’t want to invite an argument and say No to him straight away. So I decided to check on the number of Prestige points I have accumulated and then I could smartly tell him that there is no point converting a miniscule number.
I checked and I have collected just over 9,000 Citi points so far over the last few months. What that means is if I transfer these points into my British Airways account until October 31, 2017, the 9,000 points will equal to 54,000 Avios. I then thought what good will 54,000 Avios do for me. Ajay and I redeemed miles and flew BA First Class just this August on their 787 from London to Mumbai and I remember he told me that the one way ticket costed each of us close to 100,000 Avios.
So what will 54,000 Avios get me? Turns out I can redeem an economy class return ticket for myself from Mumbai to London Heathrow for 50,000 Avios. Even lower if I choose off-peak day prices. Not that I don’t know that I will have to pay about INR 10,000 towards taxes and fee.
If I spend cash or use my debit cards to pay for these essential expenses, I don’t get anything in return. But by just redirecting the spend on my credit card, today I am fueling my passion to travel.
So ladies and gentlemen, if I told you that you can get a free economy return ticket to London by just buying your home groceries on your credit card. You would say exactly what I said “That’s awesome!”
To the power women reading this, how many of you spend more money on your cards than use cash?