₹0.40
All programs
Travel idea · Anywhere
When not to spend the points at all
A rule we use: if the cash rate divided by the points cost is below 0.5 cents (about ₹0.40) per point, pay cash and keep the points. Mid-week city hotels in Southeast Asia often fall below the line; beach resorts in peak season sit well above it. The point of tracking prices is not to spend points; it's to spend them where they're worth the most.
Rule of thumb, all programs