#1 the call Keep
Axis Atlas
₹2.20/pt
ceiling ₹/pt
1:2 to Singapore Airlines KrisFlyer · vs ₹2.00 house (+10%)
Best of · July 2026
The highest ceiling a point can hit.
A point is worth what its best transfer partner pays, not what the catalogue says. We price every live route — ratio × the target program's house ₹/point — and rank each card by its ceiling. Axis Atlas tops out at ₹2.20/pt (1:2 to Singapore Airlines KrisFlyer). Cards with no transfer partners have no ceiling, and it shows.
Computed from the data desk · July 2026 build
The top three
#2 Keep
HSBC Premier (Metal)
₹2.15/pt
ceiling ₹/pt
1:1 to ALL - Accor Live Limitless · vs ₹1.00 house (+115%)
#3 Keep
HSBC TravelOne
₹2.15/pt
ceiling ₹/pt
1:1 to ALL - Accor Live Limitless · vs ₹1.00 house (+115%)
The rest of the field
| # | Card | ceiling ₹/pt | The math |
|---|---|---|---|
| 4 | Axis Horizon | ₹2.00/pt | 1:2 to Orchid Rewards · vs ₹2.00 house (+0%) |
| 5 | HDFC Infinia Metal | ₹1.10/pt | 1:1 to Singapore Airlines KrisFlyer · vs ₹1.00 house (+10%) |
| 6 | HDFC Diners Club Black Metal | ₹1.10/pt | 1:1 to Singapore Airlines KrisFlyer · vs ₹1.00 house (+10%) |
| 7 | HDFC Regalia Gold | ₹1.10/pt | 1:1 to Singapore Airlines KrisFlyer · vs ₹1.00 house (+10%) |
| 8 | HDFC Diners Club Privilege | ₹1.10/pt | 1:1 to Singapore Airlines KrisFlyer · vs ₹1.00 house (+10%) |
| 9 | SBI Card MILES PRIME | ₹1.07/pt | 2:1 to ALL - Accor Live Limitless · vs ₹1.00 house (+7%) |
| 10 | SBI Card MILES ELITE | ₹1.07/pt | 2:1 to ALL - Accor Live Limitless · vs ₹1.00 house (+7%) |
| 11 | SBI Card MILES | ₹1.07/pt | 2:1 to ALL - Accor Live Limitless · vs ₹1.00 house (+7%) |
| 12 | ICICI Emeralde Private Metal | ₹1.00/pt | 1:1 to iShop travel portal · vs ₹1.00 house (+0%) |
| 13 | ICICI Times Black | ₹1.00/pt | 1:1 to iShop travel portal · vs ₹1.00 house (+0%) |
| 14 | ICICI Sapphiro | ₹1.00/pt | 1:1 to iShop travel portal · vs ₹1.00 house (+0%) |
| 15 | ICICI Bank Rubyx | ₹1.00/pt | 1:1 to iShop travel portal · vs ₹1.00 house (+0%) |
| 16 | Axis Magnus for Burgundy | ₹0.88/pt | 5:4 to Singapore Airlines KrisFlyer · vs ₹0.40 house (+120%) |
| 17 | IndusInd Tiger | ₹0.80/pt | 1:1 to Air India Maharaja Club · vs ₹0.80 house (+0%) |
| 18 | Amex Platinum Travel | ₹0.65/pt | 1:1 to Marriott Bonvoy · vs ₹0.50 house (+30%) |
| 19 | Amex Platinum Charge | ₹0.65/pt | 1:1 to Marriott Bonvoy · vs ₹0.50 house (+30%) |
| 20 | Amex Membership Rewards Card | ₹0.65/pt | 1:1 to Marriott Bonvoy · vs ₹0.50 house (+30%) |
| 21 | Amex Platinum Reserve | ₹0.65/pt | 1:1 to Marriott Bonvoy · vs ₹0.50 house (+30%) |
| 22 | Amex Gold Charge | ₹0.65/pt | 1:1 to Marriott Bonvoy · vs ₹0.50 house (+30%) |
| 23 | IndusInd Pinnacle World | ₹0.55/pt | 2:1 to Singapore Airlines KrisFlyer · vs ₹0.80 house (-31%) |
| 24 | AU Zenith+ | ₹0.53/pt | 3:2 to Air India Maharaja Club · vs ₹0.25 house (+113%) |
| 25 | Axis Magnus (legacy) | ₹0.44/pt | 5:2 to Singapore Airlines KrisFlyer · vs ₹0.40 house (+10%) |
| 26 | Axis Bank Reserve | ₹0.44/pt | 5:2 to Singapore Airlines KrisFlyer · vs ₹0.40 house (+10%) |
| 27 | Axis Bank SELECT | ₹0.44/pt | 5:2 to Singapore Airlines KrisFlyer · vs ₹0.40 house (+10%) |
| 28 | IndusInd Legend | ₹0.33/pt | 10:3 to Singapore Airlines KrisFlyer · vs ₹0.80 house (-59%) |
| 29 | AU Ananta | ₹0.13/pt | 6:1 to Air India Maharaja Club · vs ₹0.25 house (-47%) |
| 30 | AU Zenith | ₹0.13/pt | 6:1 to Air India Maharaja Club · vs ₹0.25 house (-47%) |
| 31 | AU Vetta | ₹0.13/pt | 6:1 to Air India Maharaja Club · vs ₹0.25 house (-47%) |
| 32 | YES Bank Marquee | ₹0.05/pt | 15:1 to Air India Maharaja Club · vs ₹0.25 house (-79%) |
| 33 | YES Bank RESERV | ₹0.05/pt | 15:1 to Air India Maharaja Club · vs ₹0.25 house (-79%) |
No ceiling — nothing to transfer to
- BOBCARD Etihad Guest Premium — no live route we can price out of Etihad Guest
- Marriott Bonvoy HDFC Bank — no live route we can price out of Marriott Bonvoy
- IDFC FIRST Mayura — no live route we can price out of IDFC FIRST Reward Points
- IDFC FIRST Ashva — no live route we can price out of IDFC FIRST Reward Points
- Standard Chartered Ultimate — no live route we can price out of StanC 360° Reward Points
- Axis Miles & More World Select — no live route we can price out of Lufthansa Miles & More
- Scapia (Federal Bank) — no live route we can price out of Scapia Coins
- IndusInd Avios Visa Infinite — no live route we can price out of Avios (BA / Qatar / Finnair)
- Tata Neu Infinity HDFC Bank — no live route we can price out of Tata NeuCoins
- IDFC FIRST Private — no live route we can price out of IDFC FIRST Reward Points
- BOBCARD Eterna — no live route we can price out of BOBCARD Reward Points
- Axis Miles & More World — no live route we can price out of Lufthansa Miles & More
- Adani One ICICI Bank Signature — no live route we can price out of Adani Reward Points
- Emirates Skywards ICICI Bank Emeralde — no live route we can price out of Emirates Skywards
- RBL Icon — no live route we can price out of RBL Reward Points
- RBL World Safari — no live route we can price out of RBL Reward Points
- Emirates Skywards ICICI Bank Sapphiro — no live route we can price out of Emirates Skywards
- MakeMyTrip ICICI Bank — no live route we can price out of MakeMyTrip myCash
- Kotak White Reserve — no live route we can price out of Kotak White Pass
- Kotak Privy League Signature — no live route we can price out of Kotak Reward Points
- IDFC FIRST Wealth — no live route we can price out of IDFC FIRST Reward Points
- IRCTC SBI Card Premier — no live route we can price out of IRCTC SBI Reward Points
- Standard Chartered EaseMyTrip — no live route we can price out of Standard Chartered Rewards (EaseMyTrip)
- OneCard Metal — no live route we can price out of OneCard Reward Points
- Federal Bank Celesta — no live route we can price out of Federal Bank Reward Points
How this is computed
For each card we take every active transfer route out of its currency, apply the ratio that card actually gets (variant ratios included), and multiply by the destination program's house ₹/point from the valuation index — the same arithmetic as the optimizer. The strong number is the best such route: the real ceiling, per point, before any transfer bonus. Routes into programs we haven't priced don't count — we don't invent valuations.
Same engines as the calculator, the optimizer and the lounge map. When the data moves, this page moves — see the tracker.
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