Devchandra Sah
Founder & Editor, CardAdvisor
Software engineer (12+ yrs) · Points, miles & hotel-loyalty optimizer
Hi, I'm Dev. I'm a software engineer with 12+ years building large-scale backend systems — and somewhere along the way, optimizing credit card rewards went from a weekend curiosity to a genuine craft.
It started with a simple question: why were two people spending the same money getting wildly different value back? Answering it pulled me deep into how banks, airlines, and hotel loyalty programs actually work — the fine print, the transfer partners, the sweet spots most people never find. I approach it the way I approach engineering: test everything, trust the numbers, ignore the hype.
Since then I've turned everyday spending into premium flights and hotel stays — booking redemptions through transfer partners like Accor ALL, Marriott Bonvoy, and Taj that would cost a fortune in cash. On CardAdvisor I share what actually works, with real booking examples rather than theory.
My goal is simple: help everyday professionals travel better and get maximum value from the cards they already carry.
Every recommendation here is based on independent research and personal experience — no paid placements, no affiliate-driven rankings. And one principle never changes: rewards are only worth it when they're earned without carrying debt or spending beyond your means. Points should fund your next trip, not your next EMI.
When I'm not writing about points and miles, you'll find me building software, picking apart a loyalty program, or planning the next award booking. Welcome to the journey.
WHAT I COVER
- Credit card reward optimization
- Airline miles & frequent-flyer programs
- Hotel loyalty programs & transfer partners
- Real-world flight and hotel redemptions
- Point valuations, card comparisons & reviews