Hi, I'm Nikesh, the creator of The Chatur Spender. I'm passionate about helping people get maximum value from their credit cards—not by spending more, but by spending smarter. Over the years, I've built a travel-focused credit card strategy around airline miles, hotel loyalty programs, and reward transfers. Instead of chasing small cashback percentages, I focus on helping people unlock business-class flights, luxury hotel stays, and memorable travel experiences using the points they already earn. During our session, we'll review your current credit cards, spending habits, travel goals, and reward balances. I'll help you identify opportunities to earn more rewards, avoid unnecessary annual fees, and build a strategy tailored to your lifestyle. Whether you're just getting started with travel rewards or already have multiple premium cards, I'll provide practical, personalized recommendations that you can implement immediately.