India’s travel economy is being reshaped by everyday spending. Vacations that were once funded purely through savings are now increasingly powered by credit card rewards, loyalty ecosystems, and travel partnerships.
Gen Z and millennial consumers are actively routing routine expenses—fuel, dining, utilities, and online shopping—through platforms that convert spending into flights, hotel stays, and travel privileges. Even family holidays are now partially funded through reward points instead of cash.
This shift is being enabled by fintech, loyalty-tech, and travel platforms working closely with banks and card networks to turn daily transactions into travel opportunities.
Below are some of the key companies enabling Indians to turn everyday transactions into meaningful travel rewards.
Thriwe — Experience Infrastructure Behind Modern Reward Programmes
Thriwe plays a central role in enabling experience-led loyalty for banks and financial institutions. Rather than offering static reward catalogues, it converts points into real-world travel benefits—flights, hotel stays, concierge services, airport assistance, and lifestyle privileges.
By integrating travel fulfilment, partnerships, and redemption infrastructure, Thriwe allows cardholders to seamlessly translate accumulated points into tangible journeys. The result is higher engagement and stronger brand stickiness for banks.
Tata Neu — Integrated Spending-to-Travel Ecosystem
Tata Neu has built a unified rewards ecosystem where consumers earn NeuCoins across shopping, groceries, fashion, electronics, and travel bookings within the Tata network.
Since the platform integrates flights and hotel bookings through Tata’s travel businesses, everyday retail spending can directly subsidise travel—making the earn-and-burn cycle frictionless within a single app ecosystem.
MakeMyTrip — Travel-First Loyalty Conversions
MakeMyTrip has strengthened its rewards and partnerships ecosystem, enabling users to redeem credit card points, wallet credits, and promotional offers directly for flights and hotels.
By partnering with financial institutions, it has made reward conversion into travel bookings simpler and more visible—encouraging customers to actively use points rather than letting them expire.
Air India Maharaja Club — Expanding Beyond Flights
Air India’s loyalty programme, Maharaja Club, allows members to earn miles not only from flights but also through partner spending across hospitality, finance, and retail.
As airline loyalty integrates deeper with lifestyle spending, frequent flyer programmes are becoming broader travel reward ecosystems rather than standalone mileage trackers.
HDFC Bank — Scalable Reward Conversion at Scale
HDFC Bank continues to dominate India’s credit card market, with reward programmes that allow redemption across travel portals, airline transfers, and hotel bookings.
By simplifying reward redemption journeys within its digital platforms, the bank has enabled millions of cardholders to convert daily transactions into meaningful travel value.
In India’s fast-evolving reward economy, everyday transactions are no longer just expenses. They are potential boarding passes.