Achal Agarwal

Most people own good credit cards - but use them incorrectly.

Before recommending any new card, I first help you understand whether you're already sitting on unused benefits, reward points, travel perks, or cashback opportunities.

During this session, we'll review:

✅ Your existing credit card portfolio

✅ Annual fees vs actual value received

✅ Reward point earning efficiency

✅ Travel, shopping & dining benefits you're currently missing

✅ Lounge, golf, hotel and concierge privileges

✅ Spending category optimization

✅ Which card to use for:

• Online shopping
• Utility bills
• Insurance
• Tax payments
• Travel bookings
• International spends
• Large-ticket purchases

✅ Cards worth keeping, upgrading or closing

✅ Hidden benefits most cardholders never use

Outcome

You'll walk away with:

🎯 A personalized wallet report

🎯 Clear spend-routing strategy

🎯 Estimated yearly value you're currently missing

🎯 Immediate action items to improve returns

🎯 Recommendations on whether you actually need any additional cards