All dream goals
🐚
Andaman Islands
Radhanagar sunsets and scuba — no passport needed.
5 nights · 2 people
Achievable
Goal
₹78,000
≈ 12 months away
Sign in to turn your loyalty balances into a live progress bar for this goal.Track this goal free
Goal
₹78K
Monthly earn (best card)
₹6.5K
Suggested monthly spend
₹80K
Estimated time
12 mo
What it actually costs
Return flights (MAA → IXZ)₹28,000
Beach resort — 5 nights₹30,000
Scuba & ferries₹12,000
Food & transport₹8,000
Total₹78,000
≈ 78,000 pts @ ₹1≈ 34,000 air miles + hotel points
Best cards for this goal
🥇
HDFC BankUltra
HDFC Diners Club Black Metal
•••• •••• ••••Diners
HDFC Diners Club Black MetalHDFC Bank · Ultra
4.5% effective rate ≈₹6.5K/month toward goal ₹10K fee (adjusted)
🥈
ICICI BankUltra
ICICI Emeralde Private Metal
•••• •••• ••••Mastercard
ICICI Emeralde Private MetalICICI Bank · Ultra
5.0% effective rate ≈₹4K/month toward goal ₹12.5K fee (adjusted)
🥉
Axis BankSuper premium
Axis Magnus
•••• •••• ••••Mastercard
Axis MagnusAxis Bank · Super premium
3.4% effective rate ≈₹10.1K/month toward goal ₹12.5K fee (adjusted)
Suggested monthly plan
Groceries
₹25K
Dining
₹12K
Online shopping
₹20K
Travel
₹8K
Bills & utilities
₹15K
On this plan the top card generates ≈₹6,505 of goal-relevant value per month — fees, caps and milestones already priced in. Tune the numbers to your life in the calculator.
Goal timeline
Today
Start your engine
Earn ≈₹6.5K/month
Best card on your suggested plan
Halfway milestone
≈ month 6 — keep caps & milestones in view
Redeem at best value
Move points where they're worth most
Book it
Award seats & nights open ~2-3 months out
Andaman Islands ready 🎉
≈ 12 months from now
Ask the AI planner
“I want andaman islands by next March” — get a personalized card-by-card roadmap, grounded in the computed plan above.
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