Credit Card Consultation Services
SmartSpendSuite
Credit Card Portfolio Management Services (CPMS)
In today’s dynamic financial landscape, managing credit cards efficiently is a crucial aspect of maximizing your financial gains. With over 10 years of experience across multiple banks and card issuers, ranging from entry-level to premium metal cards like Infinia, Amex Platinum charge etc, I offer a tailored credit card consultancy service designed to help you optimize your credit card spending. The aim? Achieve superior rewards and redeem them for luxury travel and exclusive experiences. Through planning and smart spending techniques, I aim to help you achieve an overall reward return of 5% to 10%, with certain categories optimized to deliver exceptional value returns of 30-35%. Depending on your spending habits, you can expect a robust reward return in the range of 10-15%, transforming your everyday expenses into smart savings and elevated travel experiences.
My service is designed for everyone
From beginners to seasoned credit card users. Depending on your annual spends and needs, I offer three distinct plans:
Plan 1
Foundation Insight
₹2,999 one-time cost
(1 week validity – Email Response only)
Who is this for? -
This plan is ideal for those with annual spends between ₹5-7 lakhs or less. Whether you’re a beginner seeking clarity on credit card rewards or someone with specific queries, this plan will guide you with precision.
What you get:
– A detailed email response to your queries (limited to 4-5 questions).
– One follow-up email within a week of your purchase.
– Assistance in clarifying any doubts, setting up your credit card portfolio, and guiding you to optimize your spending for maximum rewards.
Plan 2
Premium Guidance- Personal Consultation
₹7,999 one-time cost
(1 month validity)
Who is this for? -
This plan is best suited for those with spends ranging from ₹7-15 lakhs annually. If you’re looking for personalized, in-depth guidance but prefer handling your portfolio independently thereafter, this is the plan for you.
What you get:
– A personal consultation (either in-person or over a call) for a maximum of 2 hours, with a follow-up call of up to 1 hour. Rest all queries on email within 1 month plan validity period.
– A comprehensive analysis of your current spending habits and existing credit cards.
– A curated selection of credit cards tailored to your needs, along with strategies to maximize points and rewards.
– Personalized tips on utilizing credit cards for day-to-day expenses and earning superior rewards.
Plan 3
Elite Strategy - Personalized Credit Card Portfolio Management
₹27,999/year
(The Elite Strategy Plan is invite only and exclusively available for the first 20 bookings. Due to my main schedule, I want to ensure that each portfolio receives the attention and dedication it deserves)
Who is this for? -
This service is designed for high spenders with an annual outlay between ₹15-50 lakhs. It is ideal for HNIs, business owners, professionals, or anyone looking to delegate their credit card management to a dedicated expert.
What you get:
– A personal consultation call at the start to understand current spends & current credit Card holdings and financial profile
– A detailed analysis of your banking profile and credit card portfolio.
– A custom-tailored strategy to earn points efficiently, with quarterly reviews and updates.
– Monthly or weekly check-ins as needed.
– Real-time support via WhatsApp and email to address any queries or concerns.
– Complimentary award booking service for flights or hotels for up to 2 people during the year.
Important Exclusions
While I can optimize a wide array of expenses, certain high-value categories like fuel, utilities, taxes, and jewelry purchases may not fetch the desired reward returns.
Why Choose This plan?
If you want to extract maximum value from your credit card usage—whether for luxury travel or day-to-day perks—this service is for you. Depending on your financial profile and spending patterns, you can achieve travel returns of 10-20%, and save significantly on your travel expenses. For example, on a 20L annual spend, you could achieve 2-4 Lakhs in travel benefits. The consultation fee is just ₹27,999, making this plan a valuable proposition for those who want to maximize their travel rewards and overall financial efficiency.
After purchasing a plan, you will receive an email within 24 hours with the next steps. If you’re in a rush, feel free to send a email request.
I recommend the dedicated plan “Elite Strategy” whenever possible. In my experience, discussions about credit card usage and optimizations tend to be extensive, and a longer, more in-depth call can be invaluable. However, if you already have some exposure to credit card usage and redemptions, you may opt for one of the other two plans.
Since this is a passion project that I manage alongside my full-time work, my services are available by invite only. This means that these plans are offered exclusively to those I know personally or those referred directly by friends or acquaintances. If you don’t know me personally, please drop an email first with the reference name. Once I verify the reference, I will give the go-ahead to book the services.
FAQs for SmartSpendSuite Plans
My spending is 5L or lower a year via cards/banks; can you still optimize my returns?
At this spending level, basic credit card articles available on the internet should suffice for your needs. I will also be publishing free articles on similar topics, so stay tuned.
Do you guarantee 10-20% in travel value returns, even if I have a low ITR and poor CIBIL score?
No, the entire program’s effectiveness depends on your ITR and CIBIL profile. These factors play a crucial role in getting the best cards approved and utilized. If you have doubts regarding your ITR, please drop an email before purchasing any plan. You can check your CIBIL score for free online, and a score of 700+ with zero late payments or defaults is generally recommended.
Do you guarantee I’ll get a super-premium credit card?
The consultation provides guidance on obtaining the card you desire, such as Infinia or Magnus Burgandy. My suggestions have worked for over 90% of friends. However, approval is not guaranteed, as it depends on your financial profile, income, CIBIL score, and relationships with banks.
Can I follow up later if required?
Certainly. Please refer to the plan details. If you’ve chosen the Elite strategy plan, I’ll be available via chat anytime during the day for a full year.
Can I use the Elite strategy plan to optimize for my entire family or friends?
The Elite Strategy plan is designed for families of 3 or 4, where total spending ranges from 15L to a maximum of 50L. It’s not meant for friends. If your spending exceeds 50L, please inform me beforehand, so I can provide a customized solution or plan. The fair usage policy for the elite strategy plan allows for a maximum of 40-50 chats per year.
What is the turnaround time for queries via email or call?
As mentioned, I have a regular day job, and this is a side passion project. Your query will mostly be addressed outside of regular working hours and on weekends. You will receive a response via chat, email, or call within 24 to 48 hours of raising the query.
Do you offer refunds if I don’t get the recommended cards from the bank?
If you’re unable to get the recommended cards approved, I can suggest alternative cards where the rewards return might be lower but still worthwhile. However, if you choose not to continue, you are entitled to a 50% refund. The remaining 50% covers the time and effort spent on initial analysis and work.
From optimizing your expenses to helping you redeem points for your dream destinations, I’m here to help you make the most of every swipe.