One app. One experience. Every day, everywhere.
Hotel nights, airline miles, credit and debit cards, and the clubs and memberships you hold — one wallet that follows you wherever you go.
Join the waitlistA sentence in,
a whole trip out.
Ask for it the way you'd ask a person — in Claude, in ChatGPT, or in the app. What comes back isn't a page of links. It's a plan you can change, priced, held, and ready to pay for in one go.
Four nights above the water, then two in Rome on the way home. Here is the shape of it — every line below is live, priced and holdable.
Earn figures illustrative. Air fares don't earn Points — miles credit to your airline as normal. Where a stay has its own programme, its points, nights and tier credit post there; where it doesn't, BLACKBOOK Points step in. Splittable across the group; payable in Points, card, or both.
BLACKBOOK keeps making your world bigger. Watch with the sound up.
Every photo you save is a plan you haven’t made yet.
The photos and screenshots piling up on your phone — a pool someone posted, a bar with no name, a menu, a corridor you loved. They were never just pictures. Here is what happens to them.
Straight from your albums.
Photos, screenshots, saves — the things you kept without a plan attached.
We work out what they are.
A beach club in Positano, a rooftop on the Palm, a bar with no sign — named and located.
They become plans.
Added to a trip or booked for this week — tables, tickets and stays, paid in one basket.
Positano and Rome on the calendar, a pool and a table in Dubai — built from four photos. Nights out and whole trips, straight from your albums.
Join the waitlistBooked here,
everything counts.
Same room. Same seat. Same table. Same price you'd have paid anywhere else — and everything you'd normally earn, you still earn. Nothing about the trip changes except what you're left holding at the end of it.
The honest comparison is against an online travel agent, because that is where most of this gets booked. The rate is the same. What differs is everything that happens around it.
Air fares don't earn Points — the miles do, credited to the airline programme attached to your booking. Mileage earning varies by airline and fare class; hotel loyalty crediting varies by chain, rate type and channel — what applies to your booking is shown before you pay.
One membership.
Useful everywhere.
It carries the wallet, the basket, the card and the people who answer — and it remembers the trip after you've come home. Founding membership opens in the UAE in 2027, and anyone can join the waitlist today. Join by 31 December 2026 and your first 12 months of Insider are free, worth US$99 (AED 364).
Where to eat, drink, stay, train, shop and spend an afternoon — city by city, written by people who go. Every entry is bookable, and earns.
One app. One wallet.
Everything in one place.
The wallet with every programme in it, plans that live with the people coming, and offers that know which city you woke up in. This is what it looks like inside.
The demo app, recorded. Figures are demo data.
Every programme you
already belong to.
Airline miles, hotel nights, bank points, card rewards, gym credits and the memberships you pay for monthly — in one place. Move value between them, or straight into what you're buying, without leaving the basket.
Four things you already
belong to, in one place.
Not another app to join. The programmes, cards, clubs and memberships you already hold, brought together so they stop being separate balances you never quite use.
Hotel programmes
Nights, tier credit and the benefits that come with status — tracked in one view across every group you stay with, and earned as normal when you book here.
Airline programmes
Miles across every carrier you fly, with somewhere to go besides a seat you didn't want on a date that doesn't work.
Credit & debit cards
The points, credits, lounge access and cover attached to the credit and debit cards you carry — read once, then surfaced at the moment each one applies.
Clubs & memberships
The gym, the golf club, the padel courts, the spa — and the lifestyle and loyalty memberships you already pay for. Held alongside the rest, so what each gives you is visible rather than buried in an email from 2023.
Plans are better with
people in them.
Every trip and every night out is planned in a group chat and paid for by whoever cracks first. The plan should live where the people are — visible to everyone coming, editable by everyone invited, and settled without anybody chasing anybody.
1Tap to split the bill four ways
✓Settled. Nobody fronted it, nobody chases anybody.
2Now open it the way it looks on your phone
Share the plan
Send the itinerary to friends and family and they see it live — times, tables, tickets and changes as they happen. Not a screenshot that's wrong by dinner.
Build it together
Anyone you invite can add, swap and vote. The same mechanics work on dinner tonight, the padel court on Thursday, and the villa next summer.
Split at checkout
One payment clears the basket, then splits across the group. Everyone pays their share from their own wallet — card, Points, or both — and nobody fronts it.
Tonight, or next year
A table in three hours or a fortnight in July — if it can go in a basket, it can be shared, shaped and settled together.
Real-time offers and promotions,
wherever you are in the world.
A membership is only worth what it gets you in the place you happen to be standing. Land in a new city and the wallet already knows which of your cards, programmes and memberships open a door there — and tells you while you can still act on it.
Not a monthly email of discounts you'll never use. The right thing, in the right city, at the hour it's worth knowing.
It follows you, not your address
Offers resolve against where you are today. Arrive in London on Thursday and what's live in London on Thursday is what you see.
Only what you can actually use
Matched against the cards and programmes you hold, so nothing surfaces that you aren't already entitled to walk in and claim.
In time to matter
A table that just freed up tonight. A rate that dropped on the room you were watching. A credit that expires this month and hasn't been touched.
You set the volume
Choose what you want to hear about and how often. Silence is a setting, and the default is restraint.
Membership,
made useful.
Every membership you belong to in one wallet — the hotel and the airline, the card and the rest. Plus the basket, the card and the people who answer. Founding membership opens in the UAE in 2027.
Join the waitlist
The wallet
Every programme in one balance. Convert between them or spend them directly — value stays inside the purchase rather than leaking out of it.
The basket
Classes, tables, treatments, rooms, flights and tickets from different businesses, assembled once and paid for once. Split it across the group if the group is paying.
The card
Issued to members, used at home as much as abroad, earning on the balance you're already holding.
The concierge
Ask in a sentence — a table on Thursday or a fortnight in July. The answer arrives with the booking attached, because it already knows your people, your places and how you like things done.
Verified Tickets
Resale you can trust on two flat fees — a booking fee to the buyer, a service fee to the seller. Nothing taken from the margin.
Clubs & memberships
Add the clubs, memberships and subscriptions you already pay for — courts, classes, greens, treatments. They sit in the same wallet as the miles, and they earn the same way. Travel planning happens on TOURIST and lands here too.
Shared plans
Plans live with the people in them. Friends and family see the same itinerary, add to it, and watch it change — whether it's tonight or next month.
Split bills
One checkout, split across the group. Each person pays their share from their own wallet, in card or Points, and the basket settles everyone at once.
A currency, not
a consolation prize.
Most loyalty schemes pay you in something you can only spend back inside the shop that issued it, at a rate they change when it suits them. Points work the other way round: they sit in your balance, they're worth the same wherever you spend them, and they come out of our margin rather than off your bill. Earning them is what Insider membership switches on.
Where they come from
Earned on stays, experiences, tickets and retail across the marketplace, plus everything you put on the card. Air fares don't earn Points — the miles do, credited to the programme attached to your booking without you lifting a finger.
Who pays for them
Commission we've already earned, not a surcharge added to you. A flat share of every net commission goes to the member — the same percentage on every partner, and no partner negotiates it down.
What you do with them
Spend them in the basket at checkout, all of it or part of it, against anything on the trip. No blackout dates, no separate redemption catalogue.
Moving them around
Send Points to the people you're travelling with, or convert into the programmes you already hold. Balances don't quietly expire — you're told well before anything lapses.
The demo app. Figures are demo data.
Everything you've earned,
in one place that
actually moves.
Airline miles here, hotel nights there, bank points somewhere else, a gym you pay for monthly, card rewards you've never once redeemed. Individually none of it is enough for anything. Together it usually is.
The wallet holds every programme you belong to in a single view, and gives the balances liquidity — move value between programmes, or straight into what you're buying, at the moment you're buying it.
You keep your relationship with each programme. Nothing is surrendered, closed or transferred away.
The benefits you already
pay for, finally used.
A premium card carries lounge access, travel credits, hotel status, waived FX, cover, free nights and a dozen things buried in a PDF nobody reads. Most of it lapses every year because it only helps if you remember it at exactly the right moment.
Add the cards you carry
We read the benefit set attached to each one — what it includes, what's been used and what's left this year.
Surfaced at the moment
The lounge appears when you're at the airport. The hotel credit appears while you're choosing the room. The cover appears before you buy a second policy you don't need.
Paid on the card that pays
At checkout we work out which of your cards earns most on this particular basket, and which benefits it triggers. You confirm; we don't move money without you.
Wherever you
happen to be.
Real-time offers and promotions in the city you're actually in, matched to the cards and memberships you already hold — and timed to when you can still do something about it.
Merchant-funded, never paid placement. You choose what you hear about.
The people who
get told first.
Anyone can hold their wallet and plan here for nothing. Insider — US$99 a year, open to everyone, with a free 14-day trial — is what switches the economics on: BLACKBOOK Points start earning on everything eligible, the member rates open, and you enter the tier programme at Onyx.
Join the waitlist by 31 December 2026 and your first 12 months of Insider are free, worth US$99 (AED 364). BLACKBOOK goes live in the UAE in 2027, with the rest of the world to follow, and the waitlist is open to everyone, anywhere.
Join the waitlist
The rates
The closed rates the big platforms keep for their own loyalty tiers — the same rooms, at member pricing, booked here instead. The difference is everything that happens around the booking.
The earn
Points on stays, experiences, tickets, retail and everything on the card, from the first purchase — and the rate steps up as your tier does. Use it more, get more.
Held, not searched
Rooms and tables kept back for members at properties and restaurants we work with directly — released to Insiders before anyone else sees them.
A person, not a queue
The concierge knows your trips, your people and how you like things done, and answers in the same thread each time.
First on the calendar
Early access to Verified Tickets, openings, takeovers and the nights worth rearranging a trip for.
Your household
Add one adult to your membership for US$50 a year, and up to four children aged 16 and over at no charge. At 18 they move onto a membership of their own. The Points stay yours.
Onyx. Obsidian. Black.
Tiers move with use, not with a bigger fee. Every Insider starts at Onyx; from there the app does the counting — nights and return flights booked in a year, domestic or international — and your wallet always shows how far the next tier is. Nothing to apply for, nothing to remember. Free comes before Insider; Onyx is where membership starts. Heritage sits outside that count. It isn’t reached; it’s offered.
What every tier connects.
Every Insider tier, Onyx to Black, holds your bank or partner card and one airline, hotel or car-rental programme on top of it, whether you pay the US$99 yourself or a bank covers it for you. Each extra programme in those categories is US$12 a year, on every tier. Free connects nothing.
On a BLACKBOOK for Business profile, a hotel membership you already hold under a company contract is turned on at no charge. On Personal, it counts as a programme connection once the included one is used.
One adult can join your membership for US$50 a year, and up to four children aged 16 and over at no charge. At 18 they move onto a membership of their own.
What changes from tier to tier.
The same app at every level. What moves is the earn, the rates, what you see first and who answers first. Heritage sits outside this table: it is offered, not reached.
Swipe for the other tiers →
| 00FreeNo fee | 01OnyxInsider · US$99 a year | 02ObsidianEarned with use | 03BlackReached on use alone | |
|---|---|---|---|---|
| How you get there | ||||
| Entry | Sign up | Join Insider | 10 nights and two return flights booked in a year. Members on a participating bank’s card start here. | 40 nights and four return flights booked in a year. Cannot be bought, at any spend. |
| Fee | None | US$99 a year, after a free 14-day trial. Included in every tier above. | No extra fee | No extra fee |
| Plans and bookings | ||||
| Trips and plans | Three trips saved, three plans at a time | Unlimited | Unlimited | Unlimited |
| Sharing | Any plan, with anyone | Any plan, with anyone | Any plan, with anyone | Any plan, with anyone |
| Booking fees | Standard | Reduced, on everything that carries one | Reduced | Reduced |
| Member rates | — | Hotels and the marketplace | Hotels and the marketplace | Hotels and the marketplace |
| The concierge | Not on Free | Ask in a sentence, in the app or by voice; it comes back held or booked | Ask in a sentence; your requests move ahead of the queue | Ask in a sentence; answered first, ahead of every other tier |
| Shared plans and split bills | — | Included | Included | Included |
| On the trip | ||||
| Flight alerts | — | Real-time alerts on delays, changes and cancellations | Real-time alerts on delays, changes and cancellations | Real-time alerts on delays, changes and cancellations |
| Fares | — | Watches the fares on your trips and tells you when a price moves | Watches the fares on your trips and tells you when a price moves | Watches the fares on your trips and tells you when a price moves |
| Getting to the airport | — | Live traffic, and a nudge when it is time to leave | Live traffic, and a nudge when it is time to leave | Live traffic, and a nudge when it is time to leave |
| At the airport | — | Terminal and gate reminders, and the way to your gate and your connection | Terminal and gate reminders, and the way to your gate and your connection | Terminal and gate reminders, and the way to your gate and your connection |
| Baggage | — | Which carousel, as soon as it is known | Which carousel, as soon as it is known | Which carousel, as soon as it is known |
| Country information | — | Entry, customs and local information for where you are going | Entry, customs and local information for where you are going | Entry, customs and local information for where you are going |
| Your people | — | Keeps the people you choose updated on your plans as they change | Keeps the people you choose updated on your plans as they change | Keeps the people you choose updated on your plans as they change |
| Disruptions | — | Warns you of a disruption to the trip before it reaches you | Warns you of a disruption to the trip before it reaches you | Warns you of a disruption to the trip before it reaches you |
| The earn | ||||
| BLACKBOOK Points | — | The full earn, from the first purchase | Stepped up on everything you buy | The highest earn in the programme |
| On partnered card programmes | — | — | Stepped up again, into that programme’s own points | The highest step |
| The wallet | ||||
| Programme connections | None | Your bank or partner card, plus one airline, hotel or car-rental programme | Your bank or partner card, plus one airline, hotel or car-rental programme | Your bank or partner card, plus one airline, hotel or car-rental programme |
| Extra programmes | — | US$12 a year each | US$12 a year each | US$12 a year each |
| Your household | — | One adult for US$50 a year, up to four children aged 16 and over | One adult for US$50 a year, up to four children aged 16 and over | One adult for US$50 a year, up to four children aged 16 and over |
| Access | ||||
| Insider | What is on in your city, only | Offers and what is on, wherever you are | Offers land with you earlier | Offers and invitations that never go out publicly |
| Held-back inventory | — | — | Limited inventory opens to Obsidian first | First call on the rooms, tables and seats we hold back |
| Your requests | — | Answered | Move ahead of the queue | Answered first, ahead of every other tier |
| Gifts | — | — | A welcome gift, and one on your anniversary every year you hold it | A welcome gift, and one on your anniversary every year you hold it |
Sign up. No fee.
Three trips saved, three plans at a time. Any plan shared with anyone.
Standard booking fees.
Insider: what is on in your city, only.
No programme connections and no concierge. Both come with Insider.
Join Insider: US$99 a year, after a free 14-day trial.
Unlimited trips and plans, saved and shared.
Reduced booking fees on everything that carries one. Member rates across hotels and the marketplace.
The concierge, shared plans and split bills.
The full earn on everything eligible, from the first purchase.
On the trip: flight alerts, fare monitoring, getting to and through the airport, baggage, country information, your people kept updated, disruption alerts.
Your bank or partner card, plus one airline, hotel or car-rental programme. Each extra programme is US$12 a year.
Your household: one adult for US$50 a year, up to four children aged 16 and over.
Offers and what is on, wherever you are. Your requests are answered.
Everything in Onyx, plus
Unlocked by 10 nights and two return flights booked in a year, domestic or international. Members on a participating bank’s card start here.
The earn steps up on everything you buy, and again on partnered card programmes, into that programme’s own points.
A welcome gift, and one on your anniversary every year you hold it.
Offers land with you earlier.
Limited inventory opens to Obsidian first.
Your requests move ahead of the queue.
Everything in Obsidian, plus
Unlocked by 40 nights and four return flights booked in a year, domestic or international. It cannot be bought, at any spend.
The highest earn in the programme, and the highest step on a partnered card.
Offers and invitations that never go out publicly.
First call on the rooms, tables and seats we hold back.
Your requests answered first, ahead of every other tier.
Tiers are reached on use; the app shows how far the next one is. Heritage is by invitation or application, with its own membership across the household.
Join the
waitlist.
Founding membership opens in the UAE in 2027, with the UK and Singapore to follow. Membership is open to everyone — waitlist places are worked through in order, founding members first.
Costs nothing, commits nothing. We'll only write when there's something to say.
Join the waitlist by 31 December 2026 and your first 12 months of Insider are free, worth US$99 (AED 364). BLACKBOOK goes live in the UAE in 2027, with the rest of the world to follow, and the waitlist is open to everyone, anywhere.
Where to go,
and what to do there.
City guides in the proper sense: cafés, lunch, dinner, bars, stays, training, things to do and where to shop — organised by neighbourhood, written by people who actually go. Every entry is live: hours, ratings, when it’s quiet, and the fastest way to a table.
More cities added as the marketplace opens in each one.
Making your
world bigger.
Your everyday app. Every membership, in one wallet — the airline, the hotel group, the cards, the clubs — made worth something every day, not just the weeks you’re away. Launching in the UAE in 2027, with the UK and Singapore to follow.
The problem is easy to state and everywhere once you look. Most people belong to more programmes than they can name — miles with an airline, nights and status with a hotel group, points on a card or two, a gym, a club. Every one holds real value, and almost none of it gets used: balances sit in silos and expire quietly, benefits live in PDFs nobody reads and in links buried in emails that went to spam, and at the exact moment you’re paying for something, nothing you’ve earned is anywhere near the transaction. The industry’s answer has been to launch more programmes.
We went the other way and built the two layers nobody owned. Payment orchestration, so a flight, a room, a table and a court can sit in one basket and settle in one checkout. And multi-wallet loyalty, so every balance lives in one place and actually moves — spent straight into the purchase, or shifted to where it’s worth most. On top of that sits everything a member touches: the plans, the offers that arrive at the right moment, the card, the concierge.
It’s an everyday app, and that’s the point. The screenshots you save of places you want to go become plans; the plans become trips and nights out, built with the friends and family actually coming. And the more you use it, the better it knows you — properly, not the way most apps claim to. Everyone promises they get you, then keeps serving you things that aren’t you, aren’t remotely close. This one builds on who you actually are — the things you love, the places you go and the people you go with, made sense of in one app, wherever in the world you are.
Travel is the loudest expression of it, not the whole of it. Most memberships get used within a few miles of home, and those count the same here.
Members get one wallet and one checkout. Partners get the rails. Venues get to be where their members already are.
The people
building it.
Dubai, Abu Dhabi, London, Paris, Melbourne, Sydney and Brisbane. Decades of collective experience across payments, loyalty, product, brand and enterprise partnerships — and years spent building together before this.
Jaci SmithFounder · CEO & Co-CTODubai, UAE
Rodney GreenfieldCo-CTO · Exec Director, AI & Data at AKQAMelbourne, AU
Nizar MoallaChief Financial OfficerParis, FRA
James WhitingCo-Chief Product Officer · Travel & LifestyleBrisbane, AU
Hissam KhanCo-Chief Product Officer · FinTech and LoyaltyDubai, UAE
Julian PhillipsSVP Enterprise PartnershipsDubai, UAE
Kevin GoldmintzGrowth & Sales · EnterpriseSydney, AU
Kevin LooneyPartnerships & ProcurementSydney, AU
Mark Rennie-DavisPayments & GovernanceAbu Dhabi, UAE
Brendan SmithCreative Director, BrandLondon, UK
Dr Naim MaadadHotels & HospitalityDubai, UAE
Kurt KnackstedtCorporate Travel & PaymentsSydney, AUSay hello.
Press, partnership, membership or something that doesn't fit a form — it all lands with a person, and you'll hear back.