Credit cards · Tax · Insurance · Loans

32 credit cards. ₹1 Cr+ limit. Most of my travel paid with points.

I'm Pradipta Ray. I run hotels, and I put my business spends on credit cards. The rewards have taken me to almost 20 states, Thailand, and Air India business class four times. I share how I do it.

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Pradipta Ray in a navy suit and striped tie
Hotelier · MBA in Finance
Credit cards
32Credit cards
Combined limit
₹1 Cr+Combined limit
CIBIL score
800+CIBIL score
States
20+States and Thailand, on points
Business class
4×Air India business class

What I do

Credit cards for business and travel

I pick cards for my business spends, pay them in full every month, and turn the rewards into flights and stays.

Tax and money basics

Simple notes on tax, loans and insurance for salaried people and small business owners.

Hotelier and entrepreneur

I own and run hotels. In 2023 I also started Hometree Infotech.

Hometree Infotech

What we do for small businesses

Visit Hometree Infotech (opens in a new tab)

  1. Website design

    2023

  2. Digital marketing

    SEO, Google and Facebook ads

  3. AI-powered growth for MSMEs

    Now

Where my points took me

  • Air India business class, 4 timesBooked with reward points instead of cash.
  • Almost 20 states across IndiaHotels and flights paid mostly with points.
  • ThailandMy first trip abroad on rewards.

Business spends go on the right cards. I clear the bill every month. The points pay for the trips.

A dotted flight path from India to Thailand India20 states ThailandOn rewards

What I post about

I post every day on X, LinkedIn and Facebook.

  • Credit cards

    Best cards, limit hikes, hidden charges

  • Travel on points

    Rewards into flights, lounges and business class

  • Loans

    Personal loans, EMIs and interest traps to avoid

  • Insurance

    Health, term and claim tips that matter

  • Cars and auto finance

    Car loans, on-road costs and smart buying

  • Stocks and IPOs

    IPO updates and market basics

  • Real estate and home loans

    Home loan rates, buying or renting

  • Govt schemes and tax

    Tax saving, new rules and useful schemes

See my posts on X (opens in a new tab) Read on LinkedIn (opens in a new tab)

Things I use

As an Amazon Associate I earn from qualifying purchases.

Cards I refer

Cards I hold and use myself. If you apply through my link, I may get a referral reward from the bank.

Approval, limits and rewards are decided by the bank. Please read the terms before you apply.

Why I talk about money

  1. 2020

    Finance Mantra

    I started Finance Mantra on YouTube to explain credit cards and tax in a simple way. Nobody explained it to me like that when I started.

  2. After that

    Studies and building businesses

    Then I did my MBA in Finance and started my businesses, and the channel went quiet. Running hotels showed me how much money moves through cards every month, and how much value most people miss.

  3. Today

    Back again

    Today I have 32 credit cards with over ₹1 Crore in limits. I'm back to sharing what I've learnt, on X, LinkedIn, Facebook and in a weekly email.

Want help picking your cards?

A 30-minute call where we look at your spends and I tell you which cards make sense, how to get higher limits and how to earn points you'll actually use. Price on request.

Request a call

The Money Memo

One useful money tip every week. Credit cards, tax, insurance and loans, in plain words. Free, and you can unsubscribe any time.

  • Credit card tips, new cards and offers worth knowing about
  • Tax saving ideas and reminders before deadlines
  • Insurance basics, so you buy the right cover and your claims don't get stuck
  • Loans and EMIs: what to check before you sign

Work with me

For calls, brand collaborations or AI work for your business through Hometree.

  • Card strategy callWhich cards to get and how to use them.
  • Brand collaborationFinance and travel brands.
  • Hometree InfotechWebsites, marketing and AI for your business.

Follow me

Daily tips on social.

Questions

Is the newsletter free?

Yes. It's free and always will be.

How often will I get emails?

Once a week. Each email has one useful tip on credit cards, tax, insurance or loans.

Do you earn from recommendations?

Some links, like Amazon and bank referral links, may earn me a small reward at no extra cost to you. I only share cards and products I use or have looked into myself.

Is this financial advice?

No. I share what has worked for me. Please check the terms and conditions with your bank before you apply for anything.

One good money tip a week

Cards, tax, insurance and loans. Join The Money Memo. It's free.

Weekly money tips