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The portfolio

What's your stash actually worth?

Every points geek has balances scattered across five apps and no idea of the total. Type them in below and we price the lot at the same house ₹/point as the valuation index — with the floor-to-ceiling range, the expiry fuses, and the one optimizer move your biggest pile is begging for.

Nothing leaves your browser. Balances live in localStorage on this device — and in the URL only if you copy the share link yourself.

Total portfolio value

₹0

Type balances below — we'll run the numbers.

Bank points

Card currencies — the stuff you earn. These are the balances with transfer routes to run.

₹1.00/pt · range ₹0.30–₹1.80 · fuse ≤ 36 mo
3 years from accrual; the whole balance nullifies if the card sits unused 365 days (official T&C)
₹2.00/pt · range ₹1.00–₹2.20 · no accrual expiry — dies with the card
no accrual expiry; forfeited 30 days after card closure or once dues run 90+ days overdue (Oct-2025 rule)
₹0.40/pt · range ₹0.20–₹0.88 · no accrual expiry — dies with the card
no accrual expiry; forfeited 30 days after card closure or once dues run 90+ days overdue (Oct-2025 rule)
₹0.50/pt · range ₹0.25–₹1.10 · never, while an MR card stays open
never — as long as one MR-earning card stays open
₹1.00/pt · range ₹0.25–₹1.00 · fuse ≤ 36 mo
3 years from issuance
₹1.00/pt · range ₹0.25–₹1.80 · fuse ≤ 36 mo
3 years from the end of the month earned (official rewards T&C)
₹1.00/pt · range ₹0.50–₹1.80 · fuse ≤ 24 mo
24 months from accrual (official T&C) — the shortest fuse on this index
₹1.00/pt · range ₹0.75–₹1.00 · fuse ≤ 36 mo
3 years from accrual
₹0.50/pt · range ₹0.25–₹0.50 · never on Mayura
never on Mayura or Ashva — IDFC's Jun-2026 24-month expiry hit its lower cards, not these
₹0.25/pt · range ₹0.20–₹0.30 · no published rule
₹0.20/pt · range ₹0.20–₹0.20 · 36 months from accrual (official T&C)
36 months from accrual (official T&C)
₹0.80/pt · range ₹0.40–₹1.70 · 24 months from accrual (official Tiger MITC)
24 months from accrual (official Tiger MITC)
₹0.25/pt · range ₹0.20–₹0.67 · 24 months from the transaction date (points earned from 11-Apr-2023)
24 months from the transaction date (points earned from 11-Apr-2023)
₹0.25/pt · range ₹0.10–₹0.25 · 36 months from the date of earning
36 months from the date of earning
₹1.00/pt · range ₹0.25–₹1.00 · 2 years from date of membership registration (official IRCTC SBI Premier T&C, w.e.f. 26 Dec 2024)
2 years from date of membership registration (official IRCTC SBI Premier T&C, w.e.f. 26 Dec 2024)
₹1.00/pt · range ₹1.00–₹1.00 · no published rule
₹1.00/pt · range ₹0.25–₹1.00 · no published rule
₹1.00/pt · range ₹0.60–₹1.00 · no published rule
₹0.25/pt · range ₹0.15–₹0.25 · 3 years from accrual
3 years from accrual
₹0.25/pt · range ₹0.20–₹0.25 · no published rule
₹0.10/pt · range ₹0.10–₹0.10 · no published rule
₹0.25/pt · range ₹0.20–₹0.25 · 2 years from accrual
2 years from accrual
₹1.00/pt · range ₹0.50–₹1.00 · 12 months from the end of the month earned (Tata Neu HDFC T&C, w.e.f. 1-Aug-2025)
12 months from the end of the month earned (Tata Neu HDFC T&C, w.e.f. 1-Aug-2025)
₹0.25/pt · range ₹0.15–₹0.25 · 24 months from the credit date (Kotak card rewards T&C)
24 months from the credit date (Kotak card rewards T&C)
₹1.00/pt · range ₹0.70–₹1.00 · no published rule
Airline miles

Destination currencies. No route left to run — only redemption discipline.

₹1.10/pt · range ₹0.60–₹2.50 · fuse ≤ 36 mo
hard 3 years from accrual — no activity extension
₹1.00/pt · range ₹0.50–₹2.20 · fuse ≤ 36 mo
activity-based — lapse after 36 months with no earning or spending
₹0.80/pt · range ₹0.45–₹1.70 · fuse ≤ 24 mo
24 months; any paid Air India or Air India Express flight extends the whole balance another 24 months (award tickets don't count)
₹1.00/pt · range ₹0.40–₹1.70 · fuse ≤ 24 mo
activity-based — any earn every 24 months keeps the balance alive
₹1.00/pt · range ₹0.50–₹2.00 · activity-based — 18 months without earning or redeeming and the balance lapses
activity-based — 18 months without earning or redeeming and the balance lapses
₹1.00/pt · range ₹0.45–₹1.80 · activity-based — lapse after 12 months without EARNING (redemptions don't reset the clock; elites and co-brand spend get 24 months)
activity-based — lapse after 12 months without EARNING (redemptions don't reset the clock; elites and co-brand spend get 24 months)
₹1.00/pt · range ₹0.45–₹1.80 · activity-based — any earn or redeem every 18 months keeps the balance alive
activity-based — any earn or redeem every 18 months keeps the balance alive
₹1.00/pt · range ₹0.40–₹1.60 · activity-based — 18 months from the last transaction, and since Jun-2024 only an Etihad/partner FLIGHT resets the clock (transfers and buys don't; Platinum/Diamond exempt)
activity-based — 18 months from the last transaction, and since Jun-2024 only an Etihad/partner FLIGHT resets the clock (transfers and buys don't; Platinum/Diamond exempt)
₹0.90/pt · range ₹0.40–₹1.50 · hard 3 years, tied to your birthday month
hard 3 years, tied to your birthday month
₹1.00/pt · range ₹0.45–₹1.80 · hard 3 years from accrual
hard 3 years from accrual
₹1.00/pt · range ₹0.45–₹1.50 · never — expiry abolished in 2019
never — expiry abolished in 2019
₹1.00/pt · range ₹0.40–₹1.50 · activity-based — lapse after 18 months without earning or redeeming
activity-based — lapse after 18 months without earning or redeeming
₹1.00/pt · range ₹0.45–₹2.00 · never — Virgin Points stopped expiring in 2020
never — Virgin Points stopped expiring in 2020
₹1.10/pt · range ₹0.50–₹2.20 · hard 36 months from accrual
hard 36 months from accrual
₹1.00/pt · range ₹0.45–₹2.20 · no published rule
₹1.00/pt · range ₹0.40–₹1.80 · hard 3 years from accrual
hard 3 years from accrual
₹1.00/pt · range ₹0.30–₹1.50 · no published rule
₹1.00/pt · range ₹0.30–₹1.40 · no published rule
₹1.00/pt · range ₹0.30–₹1.50 · no published rule
₹1.00/pt · range ₹0.35–₹1.50 · no published rule
₹0.50/pt · range ₹0.40–₹0.60 · never — BluChips live as long as the account stays active
never — BluChips live as long as the account stays active
₹0.50/pt · range ₹0.50–₹0.50 · no published rule
₹0.23/pt · range ₹0.15–₹0.24 · no published rule
₹0.95/pt · range ₹0.80–₹1.00 · no published rule
₹1.00/pt · range ₹0.50–₹2.20 · activity-based — 24 months without earning or redeeming
activity-based — 24 months without earning or redeeming
₹1.00/pt · range ₹0.50–₹2.40 · never — mileage expiration abolished in 2023
never — mileage expiration abolished in 2023
₹1.00/pt · range ₹0.45–₹2.50 · hard 36 months from accrual — no activity extension
hard 36 months from accrual — no activity extension
₹1.00/pt · range ₹0.40–₹1.60 · activity-based — lapse after 24 months without earning
activity-based — lapse after 24 months without earning
₹1.00/pt · range ₹0.35–₹1.50 · activity-based — lapse after 24 months without earning
activity-based — lapse after 24 months without earning
₹1.00/pt · range ₹0.40–₹1.20 · never — expiration abolished in 2011
never — expiration abolished in 2011
₹1.00/pt · range ₹0.50–₹1.50 · 36 months, but reset by any mile-earning transaction — miles stay alive while a co-brand card transacts monthly
36 months, but reset by any mile-earning transaction — miles stay alive while a co-brand card transacts monthly
₹1.00/pt · range ₹0.40–₹1.50 · hard 3 years from accrual — and some bonus/promo miles die in 12 months
hard 3 years from accrual — and some bonus/promo miles die in 12 months
₹1.00/pt · range ₹0.35–₹1.60 · award miles never expire, but the account (and balance) lapses after 60 months without a paid Aegean flight
award miles never expire, but the account (and balance) lapses after 60 months without a paid Aegean flight
₹1.00/pt · range ₹0.50–₹1.80 · hard 10 years from accrual — the longest fuse of any airline mile on this index
hard 10 years from accrual — the longest fuse of any airline mile on this index
Hotel points

Nights, not seats. Value lives in specific award sweet spots.

₹0.65/pt · range ₹0.35–₹0.90 · fuse ≤ 24 mo
activity-based — forfeited after 24 months without earning activity
₹2.15/pt · range ₹2.05–₹2.25 · fuse ≤ 12 mo
lapse after 365 days without points activity
₹0.40/pt · range ₹0.29–₹0.76 · never — abolished 2022
never — expiration abolished in 2022
₹0.55/pt · range ₹0.38–₹1.20 · fuse ≤ 12 mo
lapse after 12 months of inactivity (elite members exempt)
₹1.00/pt · range ₹1.00–₹1.50 · activity-based — one qualifying transaction a year keeps the balance alive
activity-based — one qualifying transaction a year keeps the balance alive
₹6.35/pt · range ₹6.15–₹6.55 · no published rule
₹1.00/pt · range ₹0.55–₹1.65 · no published rule
₹0.22/pt · range ₹0.16–₹0.28 · no published rule
₹0.65/pt · range ₹0.45–₹0.95 · 4 years hard; sooner after 18 months of inactivity
4 years hard; sooner after 18 months of inactivity
₹1.00/pt · range ₹1.00–₹1.00 · no published rule
₹1.00/pt · range ₹0.30–₹1.00 · no published rule

Your best move

Enter a balance and we'll name the play for your biggest pile.

Expiry fuses

Nothing to time yet.

Approximate by design — we don't know when you earned them. Accrual clocks assume you earned everything today (your real fuse is shorter); inactivity clocks assume your last activity was today. Dates come from each program's published rules in our data.

Devaluation exposure

Enter balances to see how much of your ₹ value sits on freshly-cut programs.

Exposure = the share of your portfolio's ₹ value held in currencies with a devaluation on our tracker in the last 18 months. Programs that cut once tend to cut again.

How this is priced

Balance × house ₹/point from the valuation index — the same number every page on this site uses, not a marketing rate. The range prices the same balances at each currency's floor (portal cashback rates) and ceiling (saver-business-class discipline). The best move runs the optimizer's arithmetic — ratio parsed as our-points : partner-miles, times the target program's house value — over your largest pile. And everything computes in your browser: no account, no server, no analytics on your balances. Nothing leaves your browser.