Twice-a-Year International Leisure Card Setup

Families hopping out every summer + winter need a stable system—no improvisation at immigration.

Signal: Axis Magnus/)/)/) + HDFC Infinia + SBI Cashback yields 200k transferable points/year on ₹8 lakh spend, covering two SE Asia or Middle East trips.

Stack Duties

Calendar

• Q1: Book July trip flights using Edge Miles + SmartBuy.
• Q3: Prepay winter travel, lock forex rate using IDFC multi-currency.
• Throughout: Use cashback to pay for travel insurance and SIMs.

Budget Split (₹8L Annual Spend)

Ops Toolkit

• Travel Kanban: Columns for “Planning”, “Booking”, “Ready”, “In flight”, “Post-trip.” Attach PDFs (tickets, insurance, statements).
• Miles tracker: Simple Google Sheet logging accrual, transfers, and expiry per program.
• Forex log: Document exchange rates whenever you preload multi-currency cards; helps evaluate whether hedging paid off.

Next Steps

1. Build a Trello card per trip with tasks, budgets, and card allocations.
2. Set utilization guardrails (never above 45%) even during trip months.
3. Keep a single Google Drive folder with passports, insurance, and statement proofs for visa officers.