Add what you hold
Enter the programme, balance, and the date from your statement. Nothing is linked or fetched behind a login.
A manual-first points ledgerLog in / create account
THE POINTS VALUE WORKBENCH
Know what your points can do.
Moolya turns the balances in your statements into a dated, sourced view of what they can buy — and which route gets you there.
No programme login. You type the balance from your statement. Moolya never connects to your rewards accounts.
WHAT MOOLYA DOES
From a balance to a next step.
One clear workflow for understanding, comparing, and acting on points you already hold.
Compare the routes
See the programme’s default option beside better fresh routes, with transfer ratios, fees, minimums, and sources.
Act before value lapses
Track expiry risk, save a route, and later record what it was actually worth. Identified and realised value stay separate.
CREDIT CARD BASICS
Earn the right points before you redeem.
The highest point count is not always the best deal. Compare earning rates, caps, annual fees, and how each programme lets you use the points.
Example card₹2,000 spendPoints earnedGood for
ICICI Rewards card₹2,00050 pointsEveryday spending
Axis Bank rewards card₹2,00060 pointsTravel transfers
American Express Gold₹2,00080 pointsMembership Rewards
BUILT FOR TRUST
A number you can question.
Every rate is dated.Freshness is visible, and stale data is not counted as current impact.
Every route has a source.See where a ratio, fee, or redemption value came from.
Manual by design.Your balances stay yours. The tool only works with what you choose to type.