Marcus Bell

Points-and-miles specialist who values loyalty programs and tests welcome-bonus math on real cards.

Guides by Marcus Bell (6)

Free to keep, and that matters

🕒 2 min 📅 Jun 23, 2026

Cashback wins for most Indian spenders. Points only beat it if you actually redeem for travel at full value. Here's the math and the edge cases.

🕒 4 min 📅 Jun 18, 2026

Do the credits cover the fee?

🕒 2 min 📅 Jun 13, 2026

Compare India credit cards the right way: weigh lifetime-free fee waivers, real lounge caps, and forex markup before reward rates.

🕒 4 min 📅 Jun 13, 2026

Worth it only where you already shop

🕒 2 min 📅 Jun 8, 2026

The best two-card strategy pairs a flat-rate card with a category card so every dollar earns more. Three combos that actually work, with the math.

🕒 5 min 📅 Jun 8, 2026