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Two things we can't work out without you

When a transfer actually lands, and what a bank offers to keep you. No bank publishes either. We publish what readers report only in total, only above a minimum, and always labelled as a reader claim, never as a source.

Both times, to the minute, with the time zone you were in. We store the times and work out the hours: a stored duration is a second truth that can disagree with the clock it came from.

The month, not the date: nobody remembers which Tuesday they rang a bank, and false precision is invented data. What they offered is a fixed list, on purpose: this page publishes numbers and categories, never a stranger's words.

Sending needs an account: not to gate anything, but because every published count prints its contributors beside its reports, and that needs distinguishable people. Reading needs nothing: everything below is public, signed out, with no cookie. Delete your account and your reports go with it.

What readers have reported

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reader-reported Readers told us this. Nobody has verified it, and it is not a source. It never moves a rupee figure on this site, and it never enters our data files.

The rules: what we will and will not publish
  • Below 3 reports, nothing is summarised. The same minimum our own timings use (3), for the same arithmetic: the summary is a median, and three is the smallest number at which a median means anything. Below it the group never leaves the database: "we hold two reports on this card" is the disclosure a minimum exists to prevent.
  • And below 2 different contributors, nothing either. Three reports from one account is one person's experience dressed as a statistic. It is also what one motivated stranger can produce in a minute.
  • Reports and contributors are always both printed. "7 reports · 4 contributors": at this scale the realistic failure is one enthusiast sending ten, and that sentence makes it visible instead of impressive.
  • A reader report never becomes one of our own timings. Our transfer-time table is built from transfers we ran and timed ourselves; these sit beside it, in their own tier, and no arithmetic mixes them. Nothing here is pulled toward a bank's published window either: that estimate weighs the bank's word against our own timings, and a reader claim is neither.
  • Everything published is a number or a fixed category. The free-text box on both forms is read by us and nobody else. That is what lets this run without a moderator: a fixed list cannot carry a link, a phone number or an insult, and a number cannot either.
  • What we refuse to collect at all: approval odds. They are close to personal data, impossible to verify, and the one kind of reader data that demonstrably sinks the sites that collect it. There is also no blurring anywhere here: both minimums above are the real numbers, published, not secret settings.
The wanted list: 12 transfers worth timing most 12 routes

Where a timing helps most: our answer today is weak (a community table, a range too wide to use, or nothing at all) on a route a lot of readers hold. We are timing these ourselves; if you get there first, send it.

  1. Axis EDGE Miles → Singapore Airlines KrisFlyer The richest route Atlas has and, per Axis's own per-partner table, among the slowest — "up to 10 working days", which is a fortnight in wall-clock time. Nothing tells a reader whether that ceiling is the real number or a lawyer's. The single most valuable stopwatch in our rankings.
  2. HDFC Reward Points → Singapore Airlines KrisFlyer HDFC publishes no transfer window anywhere a reader can reach — all but one of the HDFC routes rest on a community grid. This is the most-held premium card in the country transferring into the most-wanted programme, and our answer is somebody else's table.
  3. HDFC Reward Points → Air Canada Aeroplan Same blackout, and the community figure here is "24 hours" — the exact shape of claim that is either true and worth saying loudly or false and costing readers a booking.
  4. SBI Travel Credits → Air Canada Aeroplan SBI's T&C §2(m) says "up to 21 days" and that clause covers every SBI route except the ITC one identically. A ceiling that wide is honest and nearly useless; one real transfer converts it into a number.
  5. HSBC Reward Points → Singapore Airlines KrisFlyer HSBC is the only Indian issuer whose own page says "instantly or within 1 working day". If that holds, it is the fastest route in the country and should be famous; if it does not, we are repeating a marketing sentence.
  6. Amex Membership Rewards → Singapore Airlines KrisFlyer Amex is the only issuer whose windows print two numbers at once — its FAQ publishes a 3–5-working-day SLA while every community report says 1–3 days. We print both because we cannot choose between them. A stopwatch chooses.
  7. Amex Membership Rewards → Marriott Bonvoy The 1:1 hotel route, and the one Amex row whose community figure ("24–48 hours") is materially faster than the airline rows. Worth confirming that the hotel side really is the quick one.
  8. ICICI Reward Points → Air India Maharaja Club Air India's own page publishes 5 working days, but this is the only airline exit ICICI has and it is open to just two cards — a slow surprise here has nowhere else to go.
  9. Kotak Air Miles → Etihad Guest Kotak publishes no window on any route — checked across all three ratio PDFs and the card page. A single observation here would be the only number that exists anywhere for this issuer.
  10. RBL Reward Points (Nova/Lumière) → Singapore Airlines KrisFlyer Retracted to "not published" on 2026-08-29 when our own extrapolation was caught. The honest blank is better than the invented seven days, and a stopwatch is the only thing that fills it.
  11. AURUM Reward Points → The British Airways Club (Avios) AURUM's transfer terms sit behind a cardholder login, and nothing a reader can open without an account states a window. The document is out of reach; the transfer is not.
  12. Marriott Bonvoy → Air Canada Aeroplan The busiest hop on the multi-hop router and the on-ramp for a dozen chains. "~5 days" is an aggregator's word, and every chain that runs through it inherits that uncertainty end to end.