You have a Wealth Manager. A CA. A Lawyer. Nobody manages your spend.

Your RM recommends cards based on his targets — not yours.

Every month, lakhs flow through your cards and return almost nothing.

WITHOUT SOVEREIGN

Annual value recovered

Average Return on Spend

WITH SOVEREIGN

Annual value recovered

Optimised Return on Spend

On flight redemptions alone · 18–24%

Let's do the math. If you're spending ₹2Cr+ annually on credit cards, even a 1% improvement in your return-on-spend puts ₹2 lakh back in your pocket, in points, upgrades, or complimentary nights. Most of our members recover the fee within the first quarter through smarter card routing alone. Add flight redemptions (a single QSuites booking saves ₹3-4 lakh), priority hotel rates, and the compounding effect of a properly architected points strategy over 12 months, and the membership pays for itself several times over.

Having premium cards is step one. Knowing how to route ₹2Cr+ of annual spend across them for maximum yield is where most people leave lakhs on the table. We look at your actual spending patterns, category splits, tax payments, business expenses, and build a card-by-card routing playbook. Most members discover they're using the wrong card for 40-60% of their transactions. We also help with the redemption side: when to book, which programs to transfer to, and how to stack promotions that aren't publicly listed.

Insider and Premier are one-time strategy sessions. You walk away with a plan. Sovereign is an ongoing relationship. Think of it as having a points strategist on retainer. We monitor your portfolio quarterly, adjust for new card launches and devaluations, plan complex redemptions with you step by step, and give you a direct WhatsApp line for real-time decisions. When a flash sale drops on Marriott Bonvoy or Singapore Airlines releases Suites availability, you hear from us before it's gone.

That's exactly who this is built for. You're a founder, CXO, or senior professional. Your time is worth more than the hours it takes to research transfer ratios and award charts. We do the research. You decide which trip to take, and we tell you exactly which programme, which transfer and how to book it, step by step.

Each quarter, we audit your card portfolio against your latest spend data. We check if your card mix still makes sense, flag any programme changes or devaluations, plan upcoming travel redemptions, and recalibrate your strategy. If a new super-premium card launches, we'll tell you whether it's worth adding, and exactly how to integrate it into your existing setup.

Sovereign is ₹5,00,000 + GST per year, paid together at sign-up as two payments: an Engagement & Strategy Fee of ₹2,00,000 + GST (₹2,36,000) and an Annual Membership Fee of ₹3,00,000 + GST (₹3,54,000). Membership starts only once both are received. Both fees are non-refundable. The membership begins 24 hours after the Annual Membership Fee is received and runs for 365 days. There's no auto-renewal. Near the end of your term, we'll share a clear summary of the value delivered: points earned, redemptions made, savings realised. If the numbers make sense, you renew. If they don't, we part as friends.

Sovereign is designed for portfolios of ₹2Cr and above, that's where the complexity and the opportunity are highest. That said, if your annual spend is ₹1Cr or more, the maths can still work in your favour. Use the Return on Spend calculator at the top of this page to see what even a few percentage points of improvement means for your portfolio. We're confident we can deliver meaningful value at that level too. If your spend is below ₹1Cr, our Premier session is a better starting point. You can always graduate to Sovereign when the numbers justify it.

Most members see tangible impact within the first 30 days. We start with a deep audit of your current card portfolio and spend patterns, then implement quick wins: fixing card routing, identifying missed category bonuses, and queuing up your next redemption. The bigger strategic shifts, like restructuring your entire points architecture or timing a major award booking, typically land within the first quarter.