Consultations
1:1 help built around your spends, cards and trips. No generic "top 10 cards" lists, just a straight answer or a plan you can act on.
Pick what you need
Quick Card Question
One clear question, one researched answer. "Card A or Card B?", "Is this fee worth paying?", "Should I close this card?" Send your question with the cards you hold.
Points Redemption Help
Sitting on points? Tell me your balance and what you want (a trip, a hotel, vouchers) and I'll show you the highest-value way to use them, with the ₹-per-point math.
Card Strategy Call
A personal card plan: your spends by category, the real value of the cards you hold, which card to use for what, what to apply for next and what to close. You get a written summary after.
Trip on Points + Perks
Plan a trip with as little cash as possible: flights on points, hotel redemption vs paid stay with VIP perks, lounges and transfers on card benefits, and the order to book it all in.
Not sure which one fits? Ask me on WhatsApp before paying.
Pay via UPI
Adith Varghese
adithvarghese-4@okaxisScan with any UPI app (GPay, PhonePe, Paytm, your bank app) and enter the amount for your service. The payee shows as Adith Varghese, that's me. In the payment note, write the service name.
How it works
- Pay for the service using the UPI QR or ID above.
- Send me the payment screenshot on WhatsApp along with your question or details.
- Quick Question / Redemption Help: you'll get your answer on WhatsApp within 2 days.
- Calls: we'll fix a time that suits you, usually within the week, and I'll send a Google Meet link.
Good to know
- Refunds: if I can't answer your question or schedule your call within 7 days, I'll refund you in full.
- Rescheduling: free, as long as you tell me at least 12 hours before the call.
- Disclosure: I earn referral rewards on some cards and commission on hotel bookings (paid by the hotel, not you). I'll always tell you when a suggestion has a referral attached, and I'll recommend a card I don't earn on if it's the better fit for you.
- Not financial advice: I share what's worked for me and how the cards and programs work. Your decisions are your own.