All dream goals
🏝️
Bali Luxury Trip
5 nights of villas, surf and sunsets — largely on points.
5 nights · 2 people
Marriott Bonvoy
Achievable
Goal
₹1,35,000
≈ 21 months away
Sign in to turn your loyalty balances into a live progress bar for this goal.Track this goal free
Goal
₹1.35L
Monthly earn (best card)
₹6.5K
Suggested monthly spend
₹80K
Estimated time
21 mo
What it actually costs
Return flights (DEL → DPS)₹48,000
Hotel — 5 nights Marriott₹52,000
Food & dining₹18,000
Activities & surf₹12,000
Airport transfers₹5,000
Total₹1,35,000
≈ 1,35,000 pts @ ₹1 (SmartBuy)≈ 58,000 air miles≈ 4 Marriott free-night transfers
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 11 — keep caps & milestones in view
Transfer to Marriott Bonvoy
Move points where they're worth most
Book it
Award seats & nights open ~2-3 months out
Bali Luxury Trip ready 🎉
≈ 21 months from now
Ask the AI planner
“I want bali luxury trip by next March” — get a personalized card-by-card roadmap, grounded in the computed plan above.
Sign up free to track this goal with live progress from your actual points and cards.