Hello Professional MileRunners & Reward Collectors,

I am totally new to the game of MileRunning.
Credentials: Age: 26, Inducted In Business Full-Fledged and Privileged to Travel 10-11 Times Annually for work.

I wish to commence collecting my points and avail benefits of MileRunning.

I am looking to commit my loyalty to a FFProgramme - 9W or AI and a Credit Card (I am willing to spend of upto Rs. 10 Lakh on my card per annum)

I really know little. I have done a bit of online research. I need an expert to validate my interpretations


FFProgramme – Choose on Basis of Value Per Miles
- Till December 2015, AI had the best Value Per Miles FFProgramme. But after recent devaluation; Jet Airways offers a better Value for Miles.
- I could use either FFProgramme because I studied the partnering airlines of Jet Airways and that of Air India (Star Alliance). I could use either of them. Both of them cater to the routes I usually use.
- Which FFProgramme does it make sense to stick to on the metric of Value Per Miles?
o Jet Airways
o Air India

Credit Card
- I made a comparison of 5 leading Airline co-branded credit cards. I am going to base my decision on the following metrics.
o Bonus on Sign-Up
o Points Per Spend of Rs. 100
o Rewards/Miles Conversion Ratio
o Online Shopping Points
o Fees
- I haven’t really considered it important to include Freebies, Access to Golf Courses etc because I am not going to use most of them
- Lounge Access is given with most of the cards.
- My Interpretation:
For Jet Airways
o HDFC Diners Black makes sense only till 10X spending on online websites stays in place
o Otherwise JetPrivilege HDFC Diners offers best Bonus, Value For Spends and Rewards/Miles Conversion Ratio
For Air India
o SBI Card offers best Bonus, Value For Spends and Rewards/Miles Conversion Ratio.

However, it makes sense to buy SBI Card only if I were to stick to Air India FF Program.
So Once again my question:
- Am I right in my interpretation that
o 9W FF Programme is best for me?
o JetPrivilege HDFC Diners is the best suited co-branded card?

Or there is something that I cannot read between the lines.

Thanks,

Harsh Sheth

P.S- I have attached the table I prepared to compare various cards.