Di Vacay Klub

Privé · Spend portfolio management

You track your return on investment.Nobody tracks your return on spend.

Every crore you put through a credit card is either working for you or quietly leaking value. Privé is a 12-month membership that manages it properly.

Become a Member Annual membership · 12 months · Minimum qualifying spend ₹1 crore

The gap nobody talks about

Your wealth is managed. Your spend isn't.

  • You have a wealth manager, a CA, maybe a lawyer. Nobody manages your spend.
  • Your relationship manager recommends cards against his targets — not your travel.
  • Lakhs flow through your cards every month and come back as almost nothing.
  • That isn't bad luck. That's an unmanaged portfolio.

Return on spend

What a ₹1 crore portfolio leaves on the table every year.

Without Privé

₹1L–₹3L

Annual value recovered · 1–2% return on spend

With Privé

₹8L–₹12L

Annual value recovered · 8–12% optimised return on spend

On premium cabin redemptions

18–24%

Where the real value lives — business and first class out of India

Indicative ranges based on typical Indian card portfolios and current transfer partner valuations. Award availability is never guaranteed.

What Privé does

Flight redemption architecture

Singapore Suites, Qatar QSuites, Air India business. We track availability, guide the transfer and time it before devaluations.

Hotel redemption strategy

Marriott Bonvoy, Accor, IHG, Hyatt and Taj — which programme, which property, and whether to go points, cash or hybrid.

Quarterly strategic reviews

Every quarter your portfolio is re-audited: new launches, shifting spend patterns and upcoming trips, all recalibrated.

Direct WhatsApp access

A private line for the decisions that can't wait — flash sales, released award space, milestone deadlines.

The membership

One membership. No tiers, no add-ons, no confusion.

Billed annually and priced per portfolio · 12 months · minimum qualifying spend ₹1 crore

  • Full spend audit across every category: business, travel, groceries, fuel, education, insurance and tax payments
  • Card stack analysis — your current wallet benchmarked against the optimal wallet for your spend profile
  • Personalised card strategy — specific spend on specific cards to maximise return on spend
  • Points architecture — when to transfer, where to transfer, and how to time it before devaluations
  • Flight redemption guidance — availability tracked and every step of the booking guided
  • Hotel redemption strategy — programmes, properties and how to structure the stay
  • Dedicated WhatsApp access for time-sensitive opportunities
  • Quarterly strategic reviews across all 12 months of the membership
Become a Member Compare with Atlas & Premier

Enquiries are answered within 24 hours, and onboarding is scheduled once membership is confirmed. Prefer email? Write to hello@divacayklub.com.

Questions

Before you decide.

Fair questions from people who take their money seriously.