Think In Points Profile picture
Aug 28 8 tweets 2 min read Read on X
A lot of folks think, “Why do I need miles when my card lets me book hotels directly on an OTA platform?” 🤔

Here’s why it actually matters, and why EPM must start a miles transfer program soon 🧵👇 Image
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I had some reward points on my HDFC DCB.
At the same time, I was short of points in Accor for upcoming hotel stays.
70% of my stays were already going via Accor → so the decision was -
1⃣ Use DCB points to book hotels directly via Smartbuy
2⃣ OR transfer them to Accor
If I use HDFC DCB points directly on Smartbuy OTA, I get -
❌ No Accor reward points
❌ No Accor status points
❌ Nights don’t count towards my loyalty tier
Basically, I’d lose all the loyalty benefits of booking inside the Accor ecosystem.
So instead, I transferred DCB points to Accor.
Conversion rate = 1 RP → 0.5 Accor points.
Now, here’s the thing,
With euro at a high, Accor points gave me almost 2X INR value
Even after 0.5 conversion, I got ~₹1 per RP
PLUS, I earned all my status & reward points on my stays
This is why miles & hotel point transfers matter.
Direct OTA redemptions are fine for one-off trips.
But if you’re inside a loyalty program, then every night, every flight, every point, every tier matters!
And that’s why I believe:
If EPM (Emeralde Private Metal) wants to compete head-to-head with cards like Infinia, it must launch a robust miles transfer program.
Without it, it will be “just another OTA redemption and GV card” and that’s not enough in the premium space.
For frequent travelers, loyalty points > plain OTA bookings.
That’s the gap EPM needs to close with a miles program.
Do you agree?
Or would you still prefer the flexibility of OTAs?
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More from @think_in_points

Aug 28
One small mistake while swiping your card abroad can cost you 5–7% extra 💸

Saw @pk037 break this down so well in his youtube short, had to share here in detail 👇 Image
When you swipe at a POS in Europe (or anywhere abroad), the machine often asks:
“Pay in Local Currency (EUR, USD, etc.) or INR?”

The choice makes a BIG difference!
1️⃣If you choose Local Currency (EUR, USD, etc.)
- Your network (Visa/Master/Amex/Discover) does the conversion
- You pay at near market rate
- Forex markup from your card (1.5–3.5% + GST) applies
- Transparent & cheaper ✅
Read 7 tweets
Aug 27
I wish I knew this hack much before to SAVE LAKHS IN FUTURE TAXES!
It’s called Tax-Gain Harvesting i.e. using the ₹1.25L LTCG exemption every single year!

Here’s why it’s a game-changer 👇 🧵
For equity shares & equity MFs (held >12 months, STT paid) -
- First ₹1.25L LTCG = tax-free
- Beyond 1.25L → taxed at 12.5% + cess

If you don’t use this limit each year, it’s gone forever.
You invest ₹1L today and if 10 years later it grows to ₹10L.
LTCG = 10L − 1L = ₹9L

Exempt = 1.25L

Taxable Amount = 7.75L

Tax = 12.5% × 7.75L = ₹96,875 (≈₹1.0L with cess) 😬
Read 8 tweets
Aug 27
Should you keep a loan or prepay it fast? That's one question most of us struggle with.

Quick answer: if your post-tax investment return > your loan’s post-tax cost, invest wins.

Let’s do the math in detail👇
1⃣ Assume a 7% loan and an investment return of 12–15%?
Amount: ₹50L home loan, 7% p.a., 20 yrs
EMI ≈ ₹38,765/month
Total interest over 20 yrs ≈ ₹43.0L
2⃣ Case A - Prepay ₹10L now (keep EMI same, reduce tenure):
New tenure ≈ 159 months (13.25 yrs)
Total interest ≈ ₹21.5L
Interest saved ≈ ₹21.5L
You finish the loan ~6.75 yrs earlier
Read 12 tweets
Aug 26
Who do you think end up being credit card geeks?

The rich?
Not really.
In fact, a lot of business folks and service-class rich don’t even bother.
They’ll just pay by cash/UPI or swipe any card lying around.
They don’t want the “math headache.”
So then,who does become a CC geek?
It’s less about money.
It’s more about mindset.
These are the typical personas 👇
1⃣The Maximizer
🟢Hates leaving free money on the table
🟢Knows which card gives 1% vs 10% vs 15% returns
🟢Loves optimizing spends to the last rupee
🟢Often has spreadsheets / apps to track points
Read 9 tweets

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