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Best credit cards for points transfers in October 2026

HSBC TravelOne comes first (₹2.15/pt, ceiling ₹/pt) and is worth ₹25,200 a year at ₹75,000 a month after the fee.

Verified 307 sources

The top 3

The full ranking

116 cards, best first. Ranked by ceiling ₹/pt; the ₹ a year column follows the spend you pick.

₹ a year at your monthly spend
Points transfers: ranks 1 to 25
CardCeiling ₹/pt₹ a yearFee
1. HSBC TravelOneHSBC · 1:1 to ALL - Accor Live Limitless ₹2.15/pt ₹7,100 ₹25,200 ₹80,500 ₹1,41,000 ₹2,21,600 ₹4,999 fee
2. Axis HorizonAxis Bank · 1:1 to Singapore Airlines KrisFlyer ₹1.10/pt ₹4,500 ₹13,600 ₹28,700 ₹59,000 ₹99,300 ₹3,000 fee
3. HDFC Diners Club Black MetalHDFC Bank · 1:1 to Singapore Airlines KrisFlyer ₹1.10/pt ₹1,300 ₹28,200 ₹96,300 ₹1,52,700 ₹2,27,800 ₹10,000 fee
4. HSBC PlatinumHSBC · 2:1 to ALL - Accor Live Limitless ₹1.07/pt ₹4,000 ₹10,100 ₹20,200 ₹40,300 ₹67,200 ₹0 fee, lifetime free
5. HSBC RuPay PlatinumHSBC · 2:1 to ALL - Accor Live Limitless ₹1.07/pt ₹4,000 ₹10,100 ₹20,200 ₹40,300 ₹67,200 ₹0 fee, lifetime free
6. Axis Bank PRIMUSAxis Bank · Invite only · 1:5 to Singapore Airlines KrisFlyer ₹5.50/pt −₹2,07,000 −₹1,80,000 −₹1,35,000 −₹45,000 ₹75,000 ₹5,00,000 joining + ₹3,00,000/yr
7. Axis OlympusAxis Bank · Invite only · 1:4 to Singapore Airlines KrisFlyer ₹4.40/pt ₹12,100 ₹30,200 ₹60,500 ₹1,21,000 ₹2,01,600 ₹20,000 fee
8. HSBC Premier (Metal)HSBC · 1:1 to ALL - Accor Live Limitless ₹2.15/pt ₹300 ₹30,800 ₹81,500 ₹1,83,000 ₹3,18,400 ₹12,000 joining + ₹20,000/yr
9. HSBC PrivéHSBC · Invite only · 1:1 to ALL - Accor Live Limitless ₹2.15/pt −₹2,51,000 −₹2,15,100 −₹1,55,100 −₹35,200 ₹1,24,600 ₹2,75,000 fee
10. Axis Burgundy PrivateAxis Bank · Invite only · 5:4 to ALL - Accor Live Limitless ₹1.72/pt −₹81,900 −₹54,600 −₹9,300 ₹81,400 ₹2,02,400 ₹1,00,000 fee
11. HDFC Infinia MetalHDFC Bank · Invite only · 1:1 to Singapore Airlines KrisFlyer ₹1.10/pt ₹11,300 ₹28,200 ₹56,300 ₹1,12,700 ₹1,87,800 ₹12,500 fee
12. IndusInd PIONEER PrivateIndusInd Bank · Invite only · 1:1 to Singapore Airlines KrisFlyer ₹1.10/pt −₹15,700 −₹1,700 ₹46,600 ₹93,200 ₹1,55,400 ₹25,000 fee
13. RBL LumièreRBL Bank · Invite only · 1:1 to Singapore Airlines KrisFlyer ₹1.10/pt −₹43,200 −₹33,100 −₹16,200 ₹17,700 ₹62,800 ₹50,000 fee
14. Kotak SolitaireKotak Mahindra Bank · Invite only · 2:1 to ALL - Accor Live Limitless ₹1.07/pt −₹15,900 −₹2,300 ₹20,400 ₹65,700 ₹1,26,200 ₹0 joining + ₹25,000/yr
15. Kotak AirKotak Mahindra Bank · 2:1 to ALL - Accor Live Limitless ₹1.07/pt ₹3,000 ₹7,600 ₹15,100 ₹30,200 ₹50,400 ₹999 fee
16. IndianOil Axis Bank PremiumAxis Bank · 2:1 to ALL - Accor Live Limitless ₹1.07/pt ₹1,800 ₹4,000 ₹7,600 ₹14,800 ₹24,400 ₹1,000 fee
17. HDFC Regalia GoldHDFC Bank · 2:1 to ALL - Accor Live Limitless ₹1.07/pt ₹3,000 ₹29,800 ₹43,600 ₹71,200 ₹1,07,900 ₹2,500 fee
18. SBI Card MILES PRIMESBI Card · 2:1 to ALL - Accor Live Limitless ₹1.07/pt ₹0 ₹4,600 ₹25,100 ₹40,200 ₹60,400 ₹2,999 fee
19. Kotak Air+ PrimeKotak Mahindra Bank · 2:1 to ALL - Accor Live Limitless ₹1.07/pt ₹3,000 ₹15,100 ₹30,200 ₹60,500 ₹1,00,800 ₹3,000 fee
20. Kotak Air+Kotak Mahindra Bank · 2:1 to ALL - Accor Live Limitless ₹1.07/pt ₹3,000 ₹15,100 ₹30,200 ₹60,500 ₹1,00,800 ₹3,000 fee
21. SBI Card MILES ELITESBI Card · 2:1 to ALL - Accor Live Limitless ₹1.07/pt −₹2,000 ₹2,600 ₹35,100 ₹50,200 ₹70,400 ₹4,999 fee
22. IndusInd TigerIndusInd Bank · 1:1 to Air India Maharaja Club ₹1.00/pt ₹7,100 ₹32,000 ₹78,200 ₹1,70,700 ₹2,74,100 ₹0 fee, lifetime free
23. ICICI Emeralde Private MetalICICI Bank · Invite only · 1:1 to Air India Maharaja Club ₹1.00/pt ₹10,200 ₹31,400 ₹52,600 ₹87,100 ₹1,27,200 ₹12,499 fee
24. ICICI Times BlackICICI Bank · 1:1 to Air India Maharaja Club ₹1.00/pt −₹3,200 ₹16,900 ₹43,800 ₹1,17,700 ₹1,62,800 ₹20,000 fee
25. Axis Magnus for BurgundyAxis Bank · 5:4 to Singapore Airlines KrisFlyer ₹0.88/pt −₹15,500 ₹6,300 ₹42,600 ₹2,57,800 ₹5,40,000 ₹30,000 fee
Ranks 26 to 116 91 cards
  1. HDFC Diners Club Privilege ₹0.55/pt
  2. RBL Nova ₹0.55/pt
  3. IndusInd Pinnacle World ₹0.55/pt
  4. Indus Solitaire ₹0.55/pt · Invite only
  5. IndusInd Pioneer Legacy ₹0.55/pt · Invite only
  6. Axis Magnus ₹0.44/pt
  7. Axis Bank Reserve ₹0.44/pt
  8. RBL Insignia Preferred Banking World Card ₹0.33/pt · Invite only
  9. IndusInd Platinum ₹0.28/pt
  10. IndusInd Duo ₹0.28/pt
  11. IndusInd ePay Amex ₹0.28/pt
  12. IndusInd Legend ₹0.28/pt
  13. IndusInd Platinum RuPay ₹0.28/pt
  14. RBL iGlobe ₹0.25/pt · Invite only
  15. IndianOil Easy Axis Bank ₹0.21/pt
  16. Axis Bank Pride Signature ₹0.21/pt
  17. Axis Bank Privilege Easy ₹0.21/pt
  18. Axis Bank SELECT ₹0.21/pt
  19. SBI AURUM ₹0.20/pt · Invite only
  20. ICICI Bank Parakram Select ₹0.17/pt
  21. ICICI Bank Platinum Chip Credit Card ₹0.17/pt
  22. ICICI Bank Parakram ₹0.17/pt
  23. ICICI Bank HPCL Coral Credit Card ₹0.17/pt
  24. 1838 Reserve ICICI Bank Credit Card ₹0.17/pt · Invite only
  25. YES Bank FinBooster ₹0.07/pt
  26. YES FinBooster RuPay ₹0.07/pt
  27. YES Bank anQ Pi ₹0.07/pt
  28. YES BANK RuPay Virtual ₹0.07/pt
  29. YES Bank Marquee ₹0.07/pt
  30. YES Private Prime ₹0.07/pt · Invite only
  31. YES Private ₹0.07/pt · Invite only
  32. SBI Card MILES ₹1.07/pt
  33. IndusInd Pioneer Heritage ₹0.55/pt · Invite only
  34. IndusInd Indulge ₹0.50/pt · Invite only
  35. RBL World Safari Plus ₹0.33/pt · Invite only
  36. IndusInd Platinum Aura Edge ₹0.28/pt
  37. IndusInd Bank Nexxt Credit Card ₹0.28/pt
  38. IndusInd Celesta ₹0.28/pt · Invite only
  39. IndusInd Crest ₹0.28/pt · Invite only
  40. Axis Bank Titanium Smart Traveller ₹0.21/pt
  41. Axis Bank NEO ₹0.21/pt
  42. Axis Bank Pride Platinum ₹0.21/pt
  43. Axis Bank Freecharge ₹0.21/pt · Invite only
  44. Axis Bank Platinum ₹0.21/pt
  45. Samsung Axis Bank Signature ₹0.21/pt
  46. Axis Bank My Zone ₹0.21/pt
  47. IndianOil Axis Bank Credit Card ₹0.21/pt
  48. Axis Bank My Zone Easy ₹0.21/pt
  49. Axis Bank REWARDS ₹0.21/pt
  50. Axis Bank Privilege ₹0.21/pt
  51. ICICI Bank Expressions ₹0.17/pt
  52. ICICI Bank HPCL Super Saver ₹0.17/pt
  53. ICICI Bank Coral ₹0.17/pt
  54. ICICI Bank Coral against FD ₹0.17/pt
  55. ICICI Bank NRI Coral ₹0.17/pt
  56. ICICI Bank Rubyx ₹0.17/pt
  57. ICICI Bank Rubyx against FD ₹0.17/pt
  58. ICICI Sapphiro ₹0.17/pt
  59. ICICI Bank NRI Sapphiro ₹0.17/pt
  60. ICICI Bank Emeralde ₹0.17/pt
  61. YES Bank ACE ₹0.07/pt
  62. YES Bank Wellness ₹0.07/pt
  63. YES Bank BYOC (Rewards) ₹0.07/pt
  64. YES Bank SELECT ₹0.07/pt
  65. YES Essence ₹0.07/pt
  66. YES Bank ELITE+ ₹0.07/pt
  67. YES Bank Wellness Plus ₹0.07/pt
  68. YES Bank RESERV ₹0.07/pt
  69. Axis Bank My Wings ₹0.21/pt
  70. Axis Atlas ₹2.20/pt · Closed to new applicants
  71. HSBC Advance Platinum ₹2.15/pt · Closed to new applicants
  72. HSBC Smart Value ₹2.15/pt · Closed to new applicants
  73. Amex SmartEarn ₹0.80/pt · Issuing paused
  74. Amex Membership Rewards Card ₹0.80/pt · Issuing paused
  75. Amex Gold Charge ₹0.80/pt · Issuing paused
  76. Amex Platinum Travel ₹0.80/pt · Issuing paused
  77. Amex Platinum Reserve ₹0.80/pt · Issuing paused
  78. Amex Platinum Charge ₹0.80/pt · Issuing paused
  79. HDFC Bank Superia ₹0.77/pt · Closed to new applicants
  80. HDFC Regalia ₹0.55/pt · Closed to new applicants
  81. HDFC Bank Diners Club Rewardz ₹0.33/pt · Closed to new applicants
  82. Poonawalla Fincorp IndusInd eLITE RuPay ₹0.28/pt · Closed to new applicants
  83. IndusInd Bank Gold Credit Card ₹0.28/pt · Closed to new applicants
  84. IndusInd Iconia Amex ₹0.28/pt · Closed to new applicants
  85. IndusInd Iconia Visa ₹0.28/pt · Closed to new applicants
  86. Axis Bank Signature ₹0.21/pt · Closed to new applicants
  87. Samsung Axis Bank Infinite ₹0.21/pt · Closed to new applicants
  88. Chennai Super Kings ICICI Bank ₹0.17/pt · Closed to new applicants
  89. YES Bank anQ Phi ₹0.07/pt · Closed to new applicants
  90. YES Prosperity Rewards ₹0.07/pt · Closed to new applicants
  91. YES First Preferred ₹0.07/pt · Closed to new applicants
No ceiling — nothing to transfer to 535 cards

No live route we can price out of Statement cashback (₹) (55): Swiggy Ornge HDFC Bank Credit Card , Swiggy BLCK HDFC Bank Credit Card , Utkarsh Eternal Credit Card , Utkarsh Rhodium Credit Card , Utkarsh SmartGen Credit Card , Utkarsh superCard , RBL Paisabazaar Duet , YES PaisaSave , YES PaisaSave RuPay , Federal Bank Paisabazaar Paisaback Credit Card , YES Prosperity Cashback+ , AU SPONT Credit Card , BOBCARD Cashback , YES Prosperity Cashback , RBL Paisabazaar Duet Plus , AU Altura Credit Card , AU Xcite Ace Credit Card , Dhi CUB Visa Signature , IDFC FIRST Hello Cashback , IDFC FIRST Quantum+ , IDFC FIRST EA₹N , Standard Chartered Smart , Suryoday SFB RuPay Platinum , Suryoday SFB RuPay Select , ESAF INORI RuPay Platinum , DCB PayLess Select Credit Card , DCB PayLess Platinum Credit Card , SBM MobiKwik First Credit Card , Paisabazaar Paisa Plus Credit Card , Paisabazaar Step-Up SBM Credit Card , Utkarsh Wish Credit Card , Unity Bank BharatPe Credit Card , PVR INOX Kotak , IndusInd Samman RuPay , YES Bank BYOC (Cashback) , AU InstaPay RuPay Credit Card , YES BANK EMI , Kotak Delight Platinum , IB-VISA-Bharat , IB-VISA-Gold , IB-VISA-Platinum , IB-RuPay-Classic , IB-RuPay-Platinum , IB-RuPay-Select , IOB Gold Credit Card , IOB Classic Credit Card , Swiggy HDFC Bank Credit Card , Best Price Save Smart HDFC Bank , HDFC Bank Bharat , PVR Kotak Platinum , Myntra Kotak , ABN AMRO One , ABN AMRO Titanium One , PVR Kotak Gold , RBL Edition Black .

No live route we can price out of RBL Reward Points (53): RBL World Safari , RBL World Safari Lite , RBL Bank Patanjali Swarn , RBL Icon , RBL Platinum Maxima Plus , RBL Platinum Edge , RBL Platinum Maxima , TVS Credit RBL Bank Gold , RBL Bank Blockbuster , RBL BankBazaar SaveMax Pro , RBL Movies and More , RBL Platinum Delight , RBL Platinum ShopGain , RBL Patanjali Vishisht , RBL Bank SalarySe UP , RBL Bank DMI Finance , RBL Cookies , RBL Platinum Max , RBL Platinum Prime , RBL Shoprite , RBL Binge , RBL BankBazaar SaveMax , RBL Platinum LifeEasy , RBL Platinum Choice , RBL Platinum Plus , TVS Credit RBL Bank , RBL Bank Shoppers Stop Black , RBL Bank Shoppers Stop Platinum , RBL Bank Shoppers Stop Gold , RBL Platinum Advantage , RBL Bank QuickPay , RBL EasySaver , RBL MyFirst , RBL World Plus , RBL World Prime , RBL World Max , RBL Platinum Classic , RBL Bank MoneyTap , RBL Monthly Treats , RBL Bank novio , RBL Bank Black , RBL Bank Fun+ , RBL vCard , RBL Titanium Delight , RBL Bank MoCash , RBL IGU NHS Golf World Card , RBL India Startup Club World , RBL India Startup Club Platinum , RBL Platinum Cricket , RBL Freedom SuperCard , Bajaj Finserv RBL Bank CA SuperCard , Bajaj Finserv RBL Bank Doctor's SuperCard , ETMONEY RBL Bank LoanPass Credit Card .

No live route we can price out of SBI Reward Points (48): SBI Card ELITE , SBI Card PRIME , SBI Card PULSE , BPCL SBI Card OCTANE , Titan SBI Card , Reliance SBI Card PRIME , Landmark Rewards SBI Card PRIME , BPCL SBI Card , SimplySAVE SBI Card , SimplySAVE UPI SBI Card , Landmark Rewards SBI Card SELECT , Landmark Rewards SBI Card , Reliance SBI Card , SimplyCLICK SBI Card , KVB SBI Signature Card , KVB SBI Platinum Card , South Indian Bank SBI Platinum Card , Shaurya SBI Card , Doctor's SBI Card , Shaurya Select SBI Card , SBI Card Unnati , Federal Bank SBI Platinum Card , Chennai Metro SBI Card , Mumbai Metro SBI Card , SBI Platinum Card , SBI Signature Card , SpiceJet SBI Card , SBI Gold & More Card , Federal Bank SBI Gold 'N More , SBI Card ELITE Advantage , SBI Card PRIME Advantage , SimplyCLICK Advantage SBI Card , SimplySAVE Advantage SBI Card , SBI Student Plus Advantage Card , SBI Apna Bazaar Card , SBI Advantage Platinum Card , SBI Advantage Signature Card , SBI Gold Card (pre-2009) , SBI Advantage Card (pre-2009) , SBI Employee Card , Hero Honda SBI Card , SBI Silver & More Card , SBI Platinum Card (2007) , SBI Doctors Card , SBI Platinum Card (2010) , SBI UBI Card , SBI UBI Gold Card , SBI Mumbai Card .

No live route we can price out of BOBCARD Reward Points (36): BOBCARD Eterna , BOBCARD Tiara , BOBCARD Premier , IRCTC BOBCARD , HPCL ENERGIE BOBCARD , Snapdeal BOBCARD , ICAI Exclusive BOBCARD , ICSI Diamond BOBCARD , CMA One BOBCARD , Varunah Premium BOBCARD , Varunah Plus BOBCARD , Varunah BOBCARD , Indian Army YODDHA BOBCARD , Assam Rifles SENTINEL BOBCARD , Coast Guard RAKSHAMAH BOBCARD , BOBCARD VIKRAM , PRAGATI BOBCARD (RRB) , PM SVANidhi BOBCARD , BOBCARD Select , BOBCARD Easy , Nainital Bank RENAISSANCE BOBCARD , BOBCARD Swavlamban , UJJIVAN SFB Platinum BOBCARD , UJJIVAN SFB Elite BOBCARD , BOBCARD Easy (FD Backed) , BOBCARD Select (FD Backed) , BOBCARD Premier (FD Backed) , BOBCARD Prime , BOBCARD ConQR , BOBCARD Bombay Bullion , BOBCARD Titanium , BOBCARD Elite Platinum , BOBCARD Select Platinum , BOBCARD Signature , BOBCARD Assure , BOB Financial Paytm Credit Card .

No live route we can price out of Kotak Reward Points (20): Kotak NRI Royale Signature , Kotak Zen Signature , Kotak Cashback+ , Kotak Cashback+ Prime , Kotak UPI RuPay , IndianOil Kotak Credit Card , Kotak League Platinum , Kotak 811 Credit Card , Kotak Infinite , Kotak Veer Select , Kotak Privy League Signature , Kotak Essentia Platinum , Kotak Feast Gold , Kotak Royale Signature , Kotak Solaris Platinum , Kotak Urbane Gold , Kotak Mojo Platinum , Kotak Veer Platinum , Easyday Kotak Titanium Card , Easyday Kotak Silver Card .

No live route we can price out of AU Reward Points (19): AU CA Metal , AU CS , AU Ananta , AU Zenith , AU Vetta , Aditya Birla Capital AU Pro , Paytm AU Credit Card , AU Bank NOMO Credit Card , AU Zenith+ , AU Laksya Credit Card , AU Bank Traverse Credit Card (NRI) , AU Tejas Credit Card , AU Xcite Ultra Credit Card , AU Xcite Credit Card , AU Prathama Credit Card , AU Altura Plus Credit Card , AU LIT Credit Card , Aditya Birla Capital AU Flex , Aditya Birla Capital AU Nxt .

No live route we can price out of HDFC Reward Points (18): PhonePe HDFC Bank Ultimo , Shoppers Stop Black HDFC Bank , PhonePe HDFC Bank Uno , IndianOil HDFC Bank Credit Card , Shoppers Stop HDFC Bank , HDFC Bank Regalia First , HDFC Harley-Davidson Diners Club , HDFC Regalia Activ , Best Price Save Max HDFC Bank , HDFC Bank Diners Club Black (non-metal) , HDFC Bank Diners Club Miles , HDFC Bank Diners Club Premium , HDFC Bank MoneyBack (original) , Pine Labs HDFC Bank , Pine Labs HDFC Bank Pro , HDFC Bank Solitaire , HDFC Bank Titanium Times , HDFC Bank Idea International Silver .

No live route we can price out of PNB Reward Points (18): PNB VISA Classic , PNB VISA Gold , PNB VISA Platinum , PNB LUXURA Metal (RuPay) , PNB LUXURA Metal (Visa Infinite) , PNB Premium Metal LUXURA , PNB Parakram , PNB Zaggle Twin , PNB Visa Signature , PNB Patanjali RuPay Select , PNB RuPay Millennial , PNB RuPay Select , PNB SALARY RuPay Select , PNB BLISS , PNB EMT RuPay Platinum , PNB Patanjali RuPay Platinum , PNB RuPay Platinum , PNB SALARY RuPay Platinum .

No live route we can price out of IDFC FIRST Reward Points (16): IDFC FIRST Private , IDFC FIRST Gaj , IDFC FIRST Mayura , IDFC FIRST Ashva , IDFC FIRST Diamond Reserve , IDFC FIRST WOW! , IDFC FIRST Select , IDFC FIRST WOW! Black , IDFC FIRST Millennia , IDFC FIRST Classic , LIC IDFC FIRST Select , IDFC FIRST HPCL Power+ , IDFC FIRST SWYP , IDFC FIRST Wealth , LIC IDFC FIRST Classic , IDFC FIRST HPCL Power .

No live route we can price out of StanC 360° Reward Points (14): Standard Chartered Beyond , Standard Chartered Ultimate , Standard Chartered Priority Visa Infinite , Standard Chartered Rewards , Standard Chartered Super Value Titanium , Standard Chartered Platinum Rewards , Standard Chartered Manhattan , Standard Chartered Landmark Rewards Platinum , Standard Chartered Bandhan One , Standard Chartered Bandhan Plus , Standard Chartered Bandhan Xclusive , Standard Chartered Platinum Elite , Standard Chartered Bajaj Finserv Platinum , Standard Chartered Bajaj Finserv World .

No live route we can price out of HDFC Bank CashPoints (12): Paytm HDFC Bank Select , HDFC PIXEL Go , HDFC Bank Millennia , HDFC Bank PIXEL Play , HDFC Bank Freedom , Paytm HDFC Bank Digital , Paytm HDFC Bank Mobile , Paytm HDFC Bank , HDFC Bank UPI RuPay , HDFC Bank MoneyBack+ , HDFC Bank UPI RuPay Mega Saver , HDFC Bank Easy EMI .

No live route we can price out of Union Rewardz Points (12): Union Bank UNICORN , Union Bank NEXTERIA , Union Bank DIVAA ICON , Union Bank RuPay Select , Union Sparsh , Union JCB Wellness , Union JCB Health , Union Bank RuPay Platinum , Union UNI-CARBON , Union Bank VISA Signature , Union Bank VISA Platinum , Union Bank VISA Gold .

No live route we can price out of Citibank Reward Points (11): Delhi Metro Citibank , Citibank Platinum Credit Card , Citibank Gold Credit Card , Citibank Silver Credit Card , Citibank Woman's Credit Card , CRY Citibank Credit Card , WWF Citibank Credit Card , MTV Citibank Credit Card , Reliance Gold Credit Card , Reliance Silver Credit Card , Citibank Rewards Domestic Credit Card .

No live route we can price out of DBS Cash Points (9): DBS Spark 5 Credit Card , DBS Spark 10 Credit Card , DBS Spark 20 Credit Card , Bajaj Finserv DBS 5X SuperCard , Bajaj Finserv DBS 5X Plus SuperCard , Bajaj Finserv DBS 7X SuperCard , Bajaj Finserv DBS 7X Plus SuperCard , Bajaj Finserv DBS 10X Signature SuperCard , Bajaj Finserv DBS 10X Plus SuperCard .

No live route we can price out of InterMiles (9): InterMiles HDFC Bank Diners Club , InterMiles HDFC Bank Platinum , InterMiles HDFC Bank Signature , JetPrivilege HDFC Bank Titanium , InterMiles ICICI Bank Coral Credit Card , Jet Airways Amex Platinum , Jet Airways Citibank Titanium , Jet Airways Citibank Silver , Jet Airways Citibank Platinum .

No live route we can price out of PAYBACK Points (now Zillion Coins) (9): Amex PAYBACK Credit Card , IndusInd PAYBACK Credit Card , Amex MakeMyTrip Credit Card , ICICI Bank HPCL Gold , ICICI Bank HPCL Silver , Toyota ICICI Bank Co-Branded , ICICI Bank Gitanjali Jewellery , ICICI Unifare Bangalore Metro , ICICI Unifare Mumbai Metro .

No live route we can price out of IndiGo BluChip (8): IndiGo IDFC FIRST Dual Credit Card , IndiGo SBI Card ELITE , IndiGo Axis Bank Premium Credit Card , IndiGo SBI Card , IndiGo Kotak Credit Card , IndiGo Kotak Premium Credit Card , IndiGo Axis Bank Credit Card , IndiGo IDFC FIRST Secured .

No live route we can price out of Air India Maharaja Points (8): Axis Bank Vistara Infinite Credit Card , Air India SBI Signature Card , Club Vistara SBI Card PRIME , Axis Bank Vistara Signature Credit Card , Club Vistara SBI Card , Axis Bank Vistara Credit Card , Air India SBI Platinum Card , Club Vistara IDFC FIRST .

No live route we can price out of IDBI Delight Points (7): IDBI Bank LIC Eclat Select , IDBI Bank Euphoria World , IDBI Bank Royale Signature , IDBI Bank Winnings , IDBI Bank Aspire Platinum , IDBI Bank Imperium Platinum , IDBI Bank LIC Lumine .

No live route we can price out of Axis Bank Cashback (7): Fibe Axis Bank Credit Card , Axis Bank ACE , Flipkart Axis Bank Credit Card , Axis Bank Cashback , Axis Bank Freecharge Plus , Axis Bank SuperMoney RuPay , Airtel Axis Bank Credit Card .

No live route we can price out of Lufthansa Miles & More (6): Axis Miles & More World Select , Axis Miles & More World , Deutsche Bank Miles & More Signature , Deutsche Bank Miles & More Platinum , IndusInd Bank Miles & More Signature , IndusInd Bank Miles & More Platinum .

No live route we can price out of City Union Bank Reward Points (6): CUB CSK Master Platinum , CUB SRH Master Platinum , CUB CSK RuPay Platinum , CUB SRH RuPay Platinum , CUB CSK Master World , CUB SRH Master World .

No live route we can price out of Federal Bank Reward Points (5): Federal Bank Imperio , Federal Bank Celesta , Federal Bank Signet , Federal RuPay Wave Credit Card , Federal Bank VALUEMAX Credit Card .

No live route we can price out of Etihad Guest (4): BOBCARD Etihad Guest Premium , BOBCARD Etihad Guest , Etihad Guest SBI Premier Card , Etihad Guest SBI Card .

No live route we can price out of Bandhan Delight Points (4): Bandhan Bank Lumina Credit Card , Bandhan Bank Flare Credit Card , Bandhan Bank Ignite Credit Card , Bandhan Bank Sparks Credit Card .

No live route we can price out of Jupiter Jewels (4): Edge CSB Bank RuPay Credit Card , Edge+ CSB Bank RuPay Credit Card , Edge+ CSB Bank Mastercard Credit Card , Edge Federal Bank Visa Credit Card .

No live route we can price out of Avios (BA / Qatar / Finnair) (4): IndusInd Avios Visa Infinite , British Airways ICICI Bank Premium , British Airways ICICI Bank Classic , Diners Club International British Airways .

No live route we can price out of Tata NeuCoins (4): Tata Neu Infinity HDFC Bank , Tata Neu Infinity SBI Card , Tata Neu Plus HDFC Bank , Tata Neu Plus SBI Card .

No live route we can price out of Emirates Skywards (4): Emirates Skywards ICICI Bank Emeralde , Emirates Skywards ICICI Bank Sapphiro , Emirates Skywards ICICI Bank Rubyx , Standard Chartered Emirates World .

No live route we can price out of LIC Axis Bank Reward Points (4): LIC Axis Bank Signature , LIC Axis Bank Platinum , LIC Axis Bank Titanium , LIC Axis Bank Gold .

No live route we can price out of Canara Reward Points (4): Canara Bank Select / World / Signature , Canara Bank Platinum , Canara Bank Classic / Standard , Canara Bank Gold .

No live route we can price out of BarclaycardPoints (4): Yatra Barclaycard Platinum , Barclaycard Gold , Barclays Premier League Barclaycard , Times Card from Barclaycard and TimesofMoney .

No live route we can price out of ABLE REWARDS Points (4): Andhra Bank VISA Platinum Credit Card , Andhra Bank VISA Gold Credit Card , Andhra Bank VISA Classic Credit Card , Andhra Bank MasterCard Credit Card .

No live route we can price out of Scapia Coins (3): Scapia (Federal Bank) , Scapia (Axis Bank) , Scapia (BOBCARD) .

No live route we can price out of MakeMyTrip myCash (3): MakeMyTrip ICICI Bank Platinum , MakeMyTrip ICICI Bank , MakeMyTrip ICICI Bank Signature .

No live route we can price out of RBL Cashback (3): RBL Signature Banking , RBL Aspire Banking , RBL Apex .

No live route we can price out of IRCTC Reward Points (3): IRCTC SBI Card Premier , IRCTC SBI Platinum Card , IRCTC RBL Bank Credit Card .

No live route we can price out of SBI Card Cashback (3): Flipkart SBI Card , CASHBACK SBI Card , Eternal SBI Card .

No live route we can price out of IOB Reward Points (3): Indian Overseas Bank RuPay Select , Indian Overseas Bank RuPay Platinum , Indian Overseas Bank RuPay Classic .

No live route we can price out of SalarySe SCoins (3): CUB SalarySe Level UP , CUB SalarySe Level UP Virtual , IOB SalarySe Rise UP .

No live route we can price out of DBS Vantage Points (2): DBS Altitude , DBS Vantage .

No live route we can price out of Singapore Airlines KrisFlyer (2): KrisFlyer SBI Card APEX , KrisFlyer SBI Card .

No live route we can price out of HSBC Cashback (2): HSBC Live+ , HSBC RuPay Cashback .

No live route we can price out of Equitas PowerMiles Points (2): Equitas PowerMiles , Equitas PowerMiles Secured .

No live route we can price out of Equitas Selfe Reward Points (2): Equitas Selfe Credit Card , Equitas Selfe Secured .

No live route we can price out of Adani Reward Points (2): Adani One ICICI Bank Signature , Adani One ICICI Bank Platinum .

No live route we can price out of SpiceJet SpiceClub (2): SpiceJet Axis Bank Voyage Black , SpiceJet Axis Bank Voyage .

No live route we can price out of EazyDiner Reward Points (2): EazyDiner IndusInd Signature , EazyDiner IndusInd Platinum .

No live route we can price out of Kotak White Pass (2): Kotak White , Kotak White Reserve .

No live route we can price out of Zagg Coins (2): YES Bank Zagg Credit Card , AU Zaggle Credit Card .

No live route we can price out of PhonePe SBI Card Reward Points (2): PhonePe SBI Card SELECT BLACK , PhonePe SBI Card PURPLE .

No live route we can price out of Apollo Health Credits (2): Apollo SBI Card SELECT , Apollo SBI Card .

No live route we can price out of Google Pay Stars (2): Google Pay Flex Axis Bank , Google Pay Flex SBI Card .

No live route we can price out of Shoppers Stop First Citizen Points (2): Axis Bank Shoppers Stop Credit Card , First Citizen Citibank Platinum Credit Card .

No live route we can price out of HDFC PIXEL Times Reward Points (2): HDFC Bank PIXEL Times Credit Card (Rush) , HDFC Bank PIXEL Times Credit Card (Move) .

No live route we can price out of IndianOil Fuel Points (2): IndianOil RBL Bank Credit Card , IndianOil RBL Bank XTRA Credit Card .

No live route we can price out of Dhanlaxmi Reward Points (2): Dhanlaxmi Bank RuPay Dhan Samriddhi , Dhanlaxmi Bank RuPay Dhan Vriddhi .

No live route we can price out of Equitas Tiga Reward Points (2): Equitas Tiga , Equitas Tiga Secured .

No live route we can price out of Paytm SBI Card Reward Points (2): Paytm SBI Card SELECT , Paytm SBI Card .

No live route we can price out of SyndicateBank Reward Points (2): SyndicateBank Global Credit Card Classic , SyndicateBank Global Credit Card Gold .

No live route we can price out of Marriott Bonvoy (1): Marriott Bonvoy HDFC Bank .

No live route we can price out of Taj Reward Points (1): HSBC Taj .

No live route we can price out of ixigo AU Reward Points (1): ixigo AU .

No live route we can price out of Amazon Pay balance (1): Amazon Pay ICICI Bank .

No live route we can price out of Niyo Coins (1): Niyo Global SBM Credit Card .

No live route we can price out of IRCTC HDFC Bank Reward Points (1): IRCTC HDFC Bank Credit Card .

No live route we can price out of Uni Coins (1): BOBCARD Uni GoldX .

No live route we can price out of CheQ Points (1): CheQ AU Credit Card .

No live route we can price out of CRED Reward Points (1): CRED IndusInd Bank RuPay Credit Card .

No live route we can price out of slice monies (1): slice UPI Credit Card .

No live route we can price out of Axis EDGE Reward Points (1): Axis Bank Kwik .

No live route we can price out of Standard Chartered Rewards (EaseMyTrip) (1): Standard Chartered EaseMyTrip .

No live route we can price out of POPcoins (1): YES Bank POP-CLUB .

No live route we can price out of KIWIS (1): PNB Kiwi .

No live route we can price out of KVB Reward Points (1): KVB Eternis Credit Card .

No live route we can price out of Flipkart SuperCoins (1): Flipkart Axis Bank Super Elite .

No live route we can price out of OneCard Reward Points (1): OneCard Metal .

No live route we can price out of Fi-Points (1): MagniFi (Federal Bank) .

No live route we can price out of Diners Club Rewards Points (Citibank India) (1): Taj Epicure Diners Club .

No live route we can price out of Citibank Hutch Talk Points (1): Hutch Citibank Credit Card .

No live route we can price out of Citibank Maruti Auto Points (1): Maruti Suzuki AutoCard .

No live route we can price out of Citibank IndianOil Turbo Points (1): IndianOil Citibank Credit Card .

No live route we can price out of Citibank Cash Reward Points (1): Citi Titanium Cash Rewards Credit Card .

No live route we can price out of ABN AMRO Smart Miles (1): ABN AMRO Smart Miles Titanium .

No live route we can price out of HSBC Spencer's Retail Reward Points (1): HSBC Spencer's Retail Classic .

No live route we can price out of SBI Railway Points (1): SBI Railway Card .

No live route we can price out of SBI Maruti Auto Points (1): SBI Maruti Card .

No live route we can price out of Practo HealthCash (1): RBL Bank Practo Plus Credit Card .

How we rank

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. Cards on the same ceiling are ordered by the lower fee, then by what a year at ₹75,000 a month (the everyday mix, through the one value engine — tiers, category rules, bonus category, milestones in points) is worth moved along that route, after the fee. Invite-only cards rank where their ceiling puts them, but below ₹1 lakh a month a card offered only to the bank's own clients, or to one profession, stays out of the top five. Routes into programs we haven't priced don't count — we don't invent valuations.

The records behind this board — the transfer ratios we could re-read, and the house valuations they price against — carry re-verification dates from 1 Jun 2026 to 24 Oct 2026; the ranking is recomputed from them on every build.

Every figure comes from each card's own published fee and earn rate. How we value cards.

Questions

Which Indian credit card has the best transfer partners?

HSBC TravelOne. Its best live route tops out at ₹2.15/pt — 1:1 to ALL - Accor Live Limitless · vs ₹2.00 house (+7%) · ₹31,400 a year moved this way at ₹75,000/mo, after the fee. That is the ceiling a point can reach, not the catalogue rate: ratio × the destination program's house ₹/point, before any transfer bonus. Cards with no live partner have no ceiling at all, and they are listed as such.

How many cards are in this transfers ranking?

116 of the 990 Indian personal cards we track are ranked here. 535 are listed unranked with the computed reason — no ceiling — nothing to transfer to — because a card we can't rank honestly gets named, not hidden. A further 339 are carried but not valued at all — 51 with no annual fee any issuer document states, 241 whose issuer has not published how the card earns, 47 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /cards/best/business, because pricing an MSME card against a personal wallet answers a question nobody asked.

How up to date is this list?

The records behind this board — the transfer ratios we could re-read, and the house valuations they price against — carry re-verification dates from 1 Jun 2026 to 24 Oct 2026; the ranking is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.

Which transfer-partner credit cards in India have no annual fee?

18 of the 116 ranked here are lifetime free. The best on ceiling ₹/pt is HSBC Platinum at ₹1.07/pt. This board's call, HSBC TravelOne, costs ₹4,999/yr and reaches ₹2.15/pt — that gap is what the fee buys.

Is HSBC TravelOne better than Axis Horizon?

On what this board ranks — ceiling ₹/pt — yes: ₹2.15/pt against ₹1.10/pt. That is the whole claim, and a narrow one. No card wins overall: 24 boards, 24 questions.