How to Sell Your Credit Card Points for Cash in India: A Complete Guide

Selling credit card reward points for cash is simpler than most people expect, but it helps to know exactly what happens at each step before you start. Here's the full process.

Step 1: Figure out what your points are worth

Every program earns and redeems differently, so the first thing to do is check the current rate for your specific program — Amex MR, HDFC Infinia, Axis Magnus, and other major Indian cards all trade at different per-point rates depending on demand.

Check today's rate card, or use the instant calculator on our homepage to see an exact payout for your quantity before you commit to anything.

Step 2: Submit your order

Once you know your program and roughly how many points you want to sell, submit an order with:

• The program and number of points
• Your name and phone number
• How you'd like to be paid — UPI or bank transfer

You'll immediately get a reference code and a private tracking link. No account, no signup, no password to remember — just save that link.

Step 3: We verify your order

We check the details you've submitted match an active order we can fulfil at the quoted rate. This usually happens quickly, and you'll see the status update on your tracking page in real time.

Step 4: You transfer the points

We send you clear, program-specific instructions for actually transferring the points. This step looks different depending on your card — some programs support direct point transfers, others require a specific redemption path — so the instructions are tailored to whichever program you're selling.

Step 5: We confirm receipt and pay out

Once we've confirmed the points landed on our side, payment goes out to your UPI ID or bank account. From confirmed receipt to money in your account is typically well within 24 hours.

What to double check before you sell

A few things are worth confirming before you submit an order, so there are no surprises:

• The quantity is accurate. The rate you're quoted is locked in for that specific order at that specific quantity.
• Your payout details are correct. A wrong UPI ID or account number is the single most common cause of payment delays.
• You've read the risk side of this. Selling points typically sits outside your card issuer's terms of use — see our legality guide and Terms & risk disclaimer before you go ahead.

Ready to start?

Get your instant quote and see exactly what you'll receive before you send anything.