Demo Amex Gold
19,380 pts
as of
07 Oct
Rewards
What you hold, what you actually earned - anchored on issuer statements, not guesses.
Points you hold today
₹066,460 points across 6 cards, at documented redemption values
₹40,404 issuer-confirmed
Earned FY 2026-27, so far
₹0on ₹19,92,131 of spend - a 4.50% reward rate
₹64,465 verified from statements · ₹25,173 estimated (Amex + open cycles, calibrated against past statements)
Earned month by month
Statement-verified value lands in the month the cycle closes. The sage line is the blended reward rate.
verified est rate %
October 2026 · by card
earned = ₹3,502 · spend = ₹1,06,996 · rate = 3.27%
demo_sbi_cashback₹2,3864.0%stmt
demo_icici_amazonpay₹6873.2%est.
demo_icici_sapphiro₹1601.6%est.
demo_diners_metal₹1292.2%est.
demo_amex_platinum₹791.2%est.
demo_amex_gold₹611.6%est.
Click any month on the chart to change this breakdown
Where your points sit
Balance per card, with how we know it.
Total
66,460 pts
₹40,404
Earned this FY, by card
Gold segments are statement-verified; grey segments are model estimates.
Demo SBI Cashback
7.17%₹24,716
₹24,339 confirmed by 3 statements · ₹377 estimated since · ₹3,44,483 spend
Demo ICICI Amazon Pay
6.45%₹20,660
₹18,933 confirmed by 3 statements · ₹1,727 estimated since · ₹3,20,536 spend
Demo Diners Metal
3.73%₹16,235
₹11,144 confirmed by 3 statements · ₹5,091 estimated since · ₹4,35,745 spend
Demo ICICI Sapphiro
3.16%₹10,442
₹10,050 confirmed by 3 statements · ₹392 estimated since · ₹3,30,270 spend
Demo Amex Gold
3.07%₹9,690
Estimated: the statements do not show rewards · ₹3,15,825 spend
Demo Amex Platinum
3.22%₹7,895
Estimated: the statements do not show rewards · ₹2,45,272 spend
Statement ledger
What each issuer credited on each statement, next to what we estimated for the same period.
3 statements · our estimate is usually within 1%
▼
3 statements · our estimate is usually within 1%
CycleIssuer creditedValueModel said
Sep 26 ▾9,282 pts₹4,6419,282 pts
Model said 9,282, issuer posted 9,282(0 pts · 0%)
Model tracked the issuer within 0% - no meaningful miss.
Model’s biggest contributors (19 txns in cycle)
27 Aug · Makemytrip₹29,627 → 2,963 pts
17 Aug · Vistara Airlines₹23,323 → 2,332 pts
12 Sep · Oyo Rooms₹22,669 → 2,267 pts
01 Sep · Air India₹10,835 → 1,083 pts
21 Aug · Myntra₹9,378 → 188 pts
28 Aug · Airtel Postpaid₹3,045 → 61 pts
Credited nothing by the model - misclassification suspects
25 Aug · HP Petrol Pump₹1,080 → 0
17 Aug · HP Petrol Pump₹1,004 → 0
Aug 26 ▾3,035 pts₹1,5173,035 pts
Model said 3,035, issuer posted 3,035(+0 pts · +0%)
Model tracked the issuer within 0% - no meaningful miss.
Model’s biggest contributors (17 txns in cycle)
07 Aug · Air India₹15,039 → 1,504 pts
14 Jul · Flipkart₹14,239 → 285 pts
08 Aug · Zomato₹2,361 → 236 pts
07 Aug · Starbucks Coffee₹2,150 → 215 pts
31 Jul · Swiggy Instamart₹1,672 → 167 pts
02 Aug · Swiggy₹1,394 → 139 pts
Credited nothing by the model - misclassification suspects
30 Jul · Indian Oil₹3,457 → 0
Jul 26 ▾9,970 pts₹4,9859,985 pts
Model said 9,985, issuer posted 9,970(-14 pts · -0%)
Model tracked the issuer within 0% - no meaningful miss.
Model’s biggest contributors (16 txns in cycle)
30 Jun · Air India₹35,212 → 3,521 pts
24 Jun · Oyo Rooms₹24,829 → 2,483 pts
05 Jul · Oyo Rooms₹21,002 → 2,100 pts
25 Jun · Taj Hotels₹13,010 → 1,301 pts
10 Jul · Ajio₹8,732 → 175 pts
25 Jun · Ajio₹5,571 → 111 pts
3 statements · our estimate is usually within 1%
▼
3 statements · our estimate is usually within 1%
CycleIssuer creditedValueModel said
Sep 26 ▾11,962 pts₹11,96211,962 pts
Model said 11,962, issuer posted 11,962(0 pts · 0%)
Model tracked the issuer within 0% - no meaningful miss.
Model’s biggest contributors (22 txns in cycle)
23 Aug · Taj Hotels₹37,342 → 3,734 pts
08 Sep · Taj Hotels₹25,206 → 2,521 pts
18 Aug · Taj Hotels₹17,449 → 1,745 pts
02 Sep · Air India₹15,955 → 1,596 pts
20 Aug · Makemytrip₹15,321 → 1,532 pts
31 Aug · MC Donalds India₹2,178 → 218 pts
Credited nothing by the model - misclassification suspects
08 Sep · Payment Gateway Xyz₹3,913 → 0
11 Sep · POS 442819xxxxxx₹3,437 → 0
12 Sep · HP Petrol Pump₹1,885 → 0
08 Sep · Bharat Petroleum₹1,865 → 0
Aug 26 ▾5,391 pts₹5,3915,391 pts
Model said 5,391, issuer posted 5,391(0 pts · 0%)
Model tracked the issuer within 0% - no meaningful miss.
Model’s biggest contributors (10 txns in cycle)
25 Jul · Air India₹29,602 → 2,960 pts
21 Jul · Air India₹21,714 → 2,171 pts
27 Jul · Myntra₹5,875 → 117 pts
21 Jul · JIO Fiber₹2,447 → 49 pts
20 Jul · Netflix₹1,646 → 33 pts
10 Aug · JIO Fiber₹991 → 20 pts
Credited nothing by the model - misclassification suspects
08 Aug · HP Petrol Pump₹3,000 → 0
Jul 26 ▾1,581 pts₹1,5811,581 pts
Model said 1,581, issuer posted 1,581(0 pts · 0%)
Model tracked the issuer within 0% - no meaningful miss.
Model’s biggest contributors (12 txns in cycle)
27 Jun · Air India₹8,358 → 836 pts
30 Jun · Amazon.in₹14,392 → 288 pts
03 Jul · Nykaa₹11,589 → 232 pts
29 Jun · Swiggy₹581 → 58 pts
21 Jun · Act Broadband₹2,252 → 45 pts
04 Jul · Zomato₹425 → 42 pts
Credited nothing by the model - misclassification suspects
16 Jun · Bharat Petroleum₹3,129 → 0
3 statements · our estimate is usually within 1%
▼
3 statements · our estimate is usually within 1%
CycleIssuer creditedValueModel said
Sep 26 ▾7,660 pts₹3,8307,660 pts
Model said 7,660, issuer posted 7,660(0 pts · 0%)
Model tracked the issuer within 0% - no meaningful miss.
Model’s biggest contributors (14 txns in cycle)
28 Aug · Oyo Rooms₹29,862 → 2,986 pts
25 Aug · Air India₹21,927 → 2,193 pts
23 Aug · Taj Hotels₹16,506 → 1,651 pts
23 Aug · Myntra₹11,930 → 239 pts
26 Aug · Swiggy₹1,827 → 183 pts
05 Sep · Zomato₹1,063 → 106 pts
Credited nothing by the model - misclassification suspects
15 Sep · POS 442819xxxxxx₹3,494 → 0
Aug 26 ▾3,861 pts₹1,9303,904 pts
Model said 3,904, issuer posted 3,861(-43 pts · -1%)
Model tracked the issuer within 1% - no meaningful miss.
Model’s biggest contributors (19 txns in cycle)
29 Jul · Taj Hotels₹23,286 → 2,329 pts
11 Aug · Vistara Airlines₹4,816 → 482 pts
08 Aug · Amazon.in₹14,867 → 297 pts
07 Aug · Myntra₹13,718 → 274 pts
14 Aug · MC Donalds India₹1,837 → 184 pts
24 Jul · Blinkit₹2,848 → 57 pts
Credited nothing by the model - misclassification suspects
16 Aug · Indian Oil₹2,945 → 0
11 Aug · Bharat Petroleum₹2,187 → 0
Jul 26 ▾8,579 pts₹4,2908,624 pts
Model said 8,624, issuer posted 8,579(-45 pts · -1%)
Model tracked the issuer within 1% - no meaningful miss.
Model’s biggest contributors (12 txns in cycle)
28 Jun · Makemytrip₹36,363 → 3,636 pts
06 Jul · Makemytrip₹22,948 → 2,295 pts
22 Jun · Oyo Rooms₹19,707 → 1,971 pts
09 Jul · Myntra₹12,092 → 242 pts
17 Jul · Amazon.in₹12,037 → 241 pts
17 Jul · Swiggy₹885 → 89 pts
Credited nothing by the model - misclassification suspects
13 Jul · Bharat Petroleum₹2,539 → 0
3 statements · our estimate is usually within 1%
▼
3 statements · our estimate is usually within 1%
CycleIssuer creditedValueModel said
Oct 26 ▾2,386 pts₹2,3862,386 pts
Model said 2,386, issuer posted 2,386(+0 pts · +0%)
Model tracked the issuer within 0% - no meaningful miss.
Model’s biggest contributors (20 txns in cycle)
28 Sep · Oyo Rooms₹12,060 → 1,206 pts
22 Sep · Makemytrip₹4,866 → 487 pts
25 Sep · Flipkart₹6,994 → 140 pts
13 Sep · Starbucks Coffee₹976 → 98 pts
12 Sep · Zepto₹3,634 → 73 pts
27 Sep · Amazon.in₹3,257 → 65 pts
Credited nothing by the model - misclassification suspects
05 Oct · POS 442819xxxxxx₹3,139 → 0
09 Sep · Bharat Petroleum₹2,857 → 0
30 Sep · Bharat Petroleum₹1,127 → 0
Sep 26 ▾10,006 pts₹10,00610,006 pts
Model said 10,006, issuer posted 10,006(0 pts · 0%)
Model tracked the issuer within 0% - no meaningful miss.
Model’s biggest contributors (18 txns in cycle)
18 Aug · Vistara Airlines₹41,163 → 4,116 pts
14 Aug · Makemytrip₹25,853 → 2,585 pts
01 Sep · Vistara Airlines₹24,932 → 2,493 pts
14 Aug · Swiggy₹1,668 → 167 pts
20 Aug · MC Donalds India₹1,621 → 162 pts
30 Aug · Nykaa₹4,501 → 90 pts
Credited nothing by the model - misclassification suspects
20 Aug · Indian Oil₹1,695 → 0
03 Sep · Bharat Petroleum₹1,169 → 0
Aug 26 ▾11,946 pts₹11,94611,953 pts
Model said 11,953, issuer posted 11,946(-7 pts · -0%)
Model tracked the issuer within 0% - no meaningful miss.
Model’s biggest contributors (18 txns in cycle)
21 Jul · Vistara Airlines₹34,511 → 3,451 pts
02 Aug · Air India₹30,154 → 3,015 pts
31 Jul · Oyo Rooms₹28,629 → 2,863 pts
15 Jul · Taj Hotels₹20,866 → 2,087 pts
08 Jul · MC Donalds India₹1,975 → 198 pts
10 Jul · Blinkit₹4,184 → 84 pts
Credited nothing by the model - misclassification suspects
09 Jul · Indian Oil₹1,724 → 0
31 Jul · Bharat Petroleum₹1,663 → 0
02 Aug · Bharat Petroleum₹846 → 0
Milestones and fee waivers
The faint bar shows where your current pace ends up. The tick shows where an even pace would be today.
Complimentary voucher worth ₹10,000
Q4 2026 (Oct-Dec)
₹5,852 of ₹4,00,000 · 85 days left · on pace for ₹76,912
50,000 bonus MR points
calendar year (anniversary date unverified)
₹2,27,600 of ₹10,00,000 · 85 days left · on pace for ₹2,96,693
Complimentary golf rounds (demo)
calendar year (anniversary date unverified)
₹3,18,079 of ₹6,00,000 · 85 days left · on pace for ₹4,14,639
Value left on the table
Mostly Taj Hotels spend that a higher-rate card would have earned more on.
This month
₹1,551
All time
₹59,052
| Merchant | Spend | Card used | Better card | Missed |
|---|---|---|---|---|
| Taj Hotels | ₹2,28,216 | multiple | Demo SBI Cashback | ₹8,396 |
| Air India | ₹2,16,142 | multiple | Demo SBI Cashback | ₹8,094 |
| Oyo Rooms | ₹2,08,663 | multiple | Demo SBI Cashback | ₹7,940 |
| Makemytrip | ₹1,76,595 | multiple | Demo SBI Cashback | ₹6,999 |
| Vistara Airlines | ₹1,13,021 | multiple | Demo SBI Cashback | ₹3,586 |
Modeled from card earn rules - 1.9% achieved vs 5.0% if every rupee had gone to the best card.
If you redeem today
Issuer-verified balances, valued route by route.
Demo Amex Platinum
15,790 pts
as of
07 Oct
Demo Diners Metal
9,282 pts
as of
12 Sep
Demo ICICI Amazon Pay
11,962 pts
as of
15 Sep
Demo ICICI Sapphiro
7,660 pts
as of
20 Sep
Demo SBI Cashback
2,386 pts
as of
05 Oct
Devaluation watch
Program changes affecting your cards, priced against your own spend - not a generic headline figure.
| Effective | Card | Change | Your cost / yr |
|---|---|---|---|
| 15 JunRecent | Demo Amex Gold | Demo transfer ratio to partner airline worsened from 1:1 to 2:1 | Program- |
| 10 May | Demo Diners Metal | Lounge access reduced from unlimited to 12/year (demo) | Program- |