Why We Built This
We built WhatsThePoint after one too many hours Googling 'is HDFC SmartBuy actually worth it' and 'what's the best way to use Axis Magnus points.' The answers were scattered, outdated, and usually written by someone with a referral link. So we made something better.
Our calculator looks at your actual monthly spending — dining, travel, shopping, fuel — and tells you in rupees what each card is worth to you. Not to some hypothetical average Indian. To you specifically.
What We're Actually Trying to Do
Most Indians with good credit cards are still earning ₹0.25 per point on mediocre redemptions. We want to fix that. The banks won't explain the best redemptions — that's literally not in their interest. We're on your side.
The Story Behind WhatsThePoint
WhatsThePoint was born out of a frustrating personal experience. Nitin Chhabria, a product leader with 14+ years in tech, was trying to redeem his Amex reward points and hit a wall — there wasn't a single platform in India that could clearly tell him how to convert his points, which transfer program offered the best value, or even what his points were actually worth in rupees.
Every comparison site just listed cards by annual fee or "rating" — none of them answered the fundamental question: "What's the point of these points?"
And that's exactly how the name came about. While discussing this idea with his wife Kritika, a banker with over 11 years of experience in the financial industry, the phrase "What's the point?" kept coming up — both as the core question the platform answers and a playful nod to the reward points ecosystem. The name stuck, and WhatsThePoint.club was born.
Nitin brings his product-building expertise from scaling digital products at mCanvas (Affinity Global) and founding TechMerch Innovations. Kritika brings deep banking domain knowledge — together, they're building the platform they wished existed.
On Affiliate Links & Bias
Yes, we earn a commission if you apply through our links. We'd rather be upfront about that than hide it in a footer. Our rankings are based purely on math — earn rates, fees, redemption value. A card we earn ₹0 from will outrank one that pays us well, if the numbers say so. That's the deal.
