MyCreditKnowledge base · read-only

The data the engine runs on

Knowledge base

This is a live view of what powers every recommendation. To change it, edit the CSV files in /knowledge-base, then run npm run kb (validates + publishes). Confidence: H official · M reputable · L verify live.

Generated 29/7/2026, 3:30:13 am

programme_idprogrammetypealliancecurrencypricing_modelhubreliabilityindian_feeddevaluation_notenotable_sweet_spotssourcelast_verifiedconfidence
air-india-maharajaAir India Maharaja ClubairlineStar Allianceai-maharaja-pointszone/route per-segmentDEL/BOMmanagedyesMajor re-pricing 1 Apr 2026: economy broadly cheaper (~-30%) but premium-economy/first mostly up; Europe & East Asia got worse12,000 economy to SE Asia/Gulf/Mauritius; US economy 40k; US business nonstop 130ksource ↗2026-07-18H
singapore-krisflyerSingapore Airlines KrisFlyerairlineStar Alliancekrisflyer-mileszone (Saver chart)SINstableyesDevalued 1 Nov 2025: business/suites zones 1-9 +5%, Europe/US +5%, intra-Asia economy -5%; new dynamic Access tierSingapore Suites Saver; SIN-India business 45k; intra-SE-Asia economy 8ksource ↗2026-07-18H
ana-mileageANA Mileage ClubairlineStar Allianceana-mileszone (region round-trip; one-way = half since Jun 2025)TYOstablevia-marriottJun 2025: added one-way but raised some RT rates and killed round-the-worldUS-Japan RT business 110k/first 170k; transatlantic business 50k one-waysource ↗2026-07-18H
turkish-miles-smilesTurkish Airlines Miles&SmilesairlineStar Allianceturkish-mileszone (per-direction on partners)ISTmanagedvia-citi/marriottDevalued Feb 2024 and Dec 2025; clunky ITTransatlantic business 45k one-way; US-Hawaii 10k economy/15k businesssource ↗2026-07-18M
aeroplanAir Canada AeroplanairlineStar Allianceaeroplan-pointsdistance-based (partners) / dynamic (AC metal)YYZstableamex-india/marriottPartner chart reliable; AC metal & select partners dynamic; modest update ~Jun 2026+5,000-pt stopover on one-way; transatlantic business from 60k no surchargessource ↗2026-07-18H
united-mileageplusUnited MileagePlusairlineStar Allianceunited-milesdynamic (own) / fixed-ish (partners)ORDdynamicvia-marriottOwn metal fully dynamic; partners rolled back in 2025 (Europe J 88k->80k)Partner business Europe ~80k / Japan on ANA ~100k; Excursionist Perk free one-waysource ↗2026-07-18M
avianca-lifemilesAvianca LifeMilesairlineStar Alliancelifemilesregion/zoneBOGvolatileamex-india/buy-milesDevalued 3x in ~15 months (Aug 2024, Feb 2025, 2026), some unannouncedStar Alliance business zero surcharges; frequent buy-miles salessource ↗2026-07-18L
eva-infinityEVA Air Infinity MileageLandsairlineStar Allianceeva-milesregion (fixed)TPEstablevia-citiFixed chart, stable; India-band data thinTwo free stopovers on round-trip; Royal Laurel business to Asia ~75-80ksource ↗2026-07-18L
british-airways-clubBritish Airways ClubairlineOneworldaviosdistance-based peak/off-peakLHRmanagedamex-india/hdfc/hsbcRebranded from Executive Club Apr 2025; NOT revenue-based; ~+10-14% deval 15 Dec 2025Intra-Europe economy off-peak 10k; multi-partner business = 2x economy chartsource ↗2026-07-18H
qatar-privilege-clubQatar Airways Privilege ClubairlineOneworldaviosdistance-based peak/off-peak (Saver/Flexi)DOHmanagedamex-india/hsbc/hdfcRose with shared BA Avios chart 15 Dec 2025; low fuel feesUS-Doha Qsuite business 70k off-peak; India-Doha premium hops cheapsource ↗2026-07-18M
iberia-plusIberia PlusairlineOneworldaviosdistance-based peak/off-peakMADmanagedvia-avios-poolRemoved public charts May 2025; devalued ~19-20% 23 Jun 2025; very low fuel feesMadrid-US off-peak business 40,500 one-way low surcharges; cheap intra-Spain economysource ↗2026-07-18M
finnair-plusFinnair PlusairlineOneworldavioszone (own metal) / distance (partners)HELmanagedhdfc(1:1)/hsbcMoved to Avios 2024; partner awards devalued twice early 2026 no noticeOwn long-haul business 62.5k (HEL-NY/LA/Tokyo/SIN); India/Gulf zone-5 business 55k; HDFC 1:1 into Aviossource ↗2026-07-18M
cathay-asia-milesCathay Pacific Asia MilesairlineOneworldasia-milesdistance-based (total distance)HKGvolatilehdfc/amex-indiaDevalued 3x in <3 yrs (Oct 2023, Apr 2025, 1 May 2026); India routes price at higher Type-2 sub-rateHKG-London First 125k; medium-haul Type-1 business 27k; richest India-fed programme (25% bonus promos)source ↗2026-07-18M
jal-mileage-bankJAL Mileage BankairlineOneworldjal-milesdistance-based (partner chart, total distance)TYOstableaxisPartner distance chart stable; own metal region/dynamicCheapest oneworld First chart (transpacific First 100k); very generous stopovers (up to 7); Axis is a JAL partnersource ↗2026-07-18H
qantas-ffQantas Frequent FlyerairlineOneworldqantas-pointsdistance-based (Classic) / dynamic (Classic Plus)SYDmanagedaxisAll Classic charts +15-20% eff 5 Aug 2025 (short-haul only ~5%)Short-haul Australia/Trans-Tasman business; oneworld RTW business 365,800 w/ 5 stopoverssource ↗2026-07-18M
alaska-atmosAlaska Atmos RewardsairlineOneworldalaska-milesdistance-based per-partnerSEAmanagednoneRebranded Atmos 2025 (merged Hawaiian); partner booking fee up to $20 from 1 Jul 2026; no Indian-card feedCathay First ~70k + free one-way stopover; Starlux business 75k (only US programme booking it)source ↗2026-07-18M
aa-aadvantageAmerican Airlines AAdvantageairlineOneworldaa-milesdynamic (own) / fixed region chart (partners)DFWmanagednoneOwn metal fully dynamic; partner chart is a floor AA can exceed; no Indian-card feed; Citi TYP re-added 1:1 Jul 2025US-Europe business 57.5k (economy off-peak 22.5k); India-Europe business 42.5k/first 62.5ksource ↗2026-07-18M
flying-blueAir France-KLM Flying BlueairlineSkyTeamflying-blue-milesdynamic w/ published minimumsCDG/AMSdynamichdfc(1:1)/axis/hsbc/sbiDevalued 13 Jan 2025: transatlantic minimums +15-25%; high surcharges ~$200-350Monthly Promo Rewards (~25% off floor, published 1st of month); short-haul from 5ksource ↗2026-07-18M
delta-skymilesDelta SkyMilesairlineSkyTeamdelta-milesfully dynamicATLdynamicvia-marriottNo chart; extreme premium pricing (Europe business 170k-360k+)Better booked as Delta metal via Virgin Atlantic (Delta One Europe from ~47.5k Virgin)source ↗2026-07-18L
virgin-atlanticVirgin Atlantic Flying ClubairlineNon-alliancevirgin-pointsdistance/region (partners)LHRmanagedamex-indiaPartner charts are the value; ANA space scarce; ANA First rates raised recentlyANA business US-Japan RT 105-120k; Delta One US-Europe one-way from 47.5ksource ↗2026-07-18M
emirates-skywardsEmirates SkywardsairlineNon-allianceskywards-mileszone/dynamic (Saver/Flex)DXBdynamicsbi/amex-usChanges eff 20 May 2026; First-class awards restricted to Silver+ members since May 2025; high surcharges; Amex India ended ~May 2025India-Dubai short hops cheap; own-metal premium only via Saversource ↗2026-07-18L
etihad-guestEtihad GuestairlineNon-allianceetihad-milesdistance-based (Saver Award)AUHmanagedamex-india/hdfc/axis/hsbcRebranded GuestSeat -> Saver Award Nov 2025 (transparent fixed pricing)Gulf short-hauls ~10k for positioning; Prague-Seoul business ~25.6k; US-Brussels business ~44ksource ↗2026-07-18M
vietnam-lotusmilesVietnam Airlines LotusmilesairlineSkyTeamlotusmileszoneSGN/HANstablehdfc(1:1)/hsbc/sbi/axisValuable mainly as an Indian-issuer transfer target for SkyTeamIndia-SE Asia and SkyTeam partner awards; HDFC/HSBC 1:1source ↗2026-07-18L
marriott-bonvoyMarriott Bonvoyhotelbonvoy-pointsdynamic (hidden 8-category chart)managedamex-india(1:1)/hdfc/hsbc/sbiDynamic since 2023; ~0.6-0.8c/pt; 5th night freeCat 1-4 sweet spots; 3:1 to ~40 airlines +5k bonus/60k (60k=25k miles)source ↗2026-07-18M
world-of-hyattWorld of Hyatthotelhyatt-pointscategory chart (Cat 1-8, 5 tiers)managednoneOverhauled chart eff 20 May 2026: 3 tiers -> 5 tiers, ceilings up to +67%Cat 1-4 aspirational (Park Hyatt/Alila/Andaz) outstanding value; no Indian-card feed (needs Chase UR)source ↗2026-07-18H
hilton-honorsHilton Honorshotelhilton-pointsfully dynamicvolatileamex-usNo chart; standard-room cap raised 3x in 2025 to 250k; ~0.4-0.5c/pt; Amex India ~1:0.95th night free; use Points Explorer for live pricingsource ↗2026-07-18L
ihg-oneIHG One Rewardshotelihg-pointsfully dynamicdynamichdfc(1:1)/axis/hsbcCaps raised/removed Apr 2025 (top luxury 250k+/night)4th night free for Premier cardholders; transfer only with a redemption in mindsource ↗2026-07-18L
accor-allAccor Live Limitless (ALL)hotelaccor-pointsfixed value (2,000 pts = EUR 40)stablehdfc/hsbc/amex-usFixed 2 euro-cents/point, devaluation-proof; Axis dropped Accor 2 Apr 2026Most reliable hotel currency; offsets any rate at any Accor propertysource ↗2026-07-18H

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