Where should your points go?
Pick the points you have. Every place they transfer to, best first, with what one point is worth once it lands.
Axis EDGE Miles go furthest into Japan Airlines Mileage Bank: one point becomes ₹2.20, against ₹2.00 as it is.
| Transfer to | One point becomes | Kept | Ratio | Time |
|---|---|---|---|---|
| Japan Airlines Mileage Bankdirect | ₹2.20 | 110% | 1:2 | up to 10 working days |
| Singapore Airlines KrisFlyerdirect | ₹2.20 | 110% | 1:2 | up to 10 working days |
| Air Canada Aeroplandirect | ₹2.00 | 100% | 1:2 | up to 1 working day |
| Air France-KLM Flying Bluedirect | ₹2.00 | 100% | 1:2 | up to 1 working day |
| Air India Maharaja Pointsdirect | ₹2.00 | 100% | 1:2 | up to 5 working days |
| Ethiopian ShebaMilesdirect | ₹2.00 | 100% | 1:2 | up to 10 working days |
| Etihad Guestdirect | ₹2.00 | 100% | 1:2 | up to 1 working day |
| Qantas Frequent Flyerdirect | ₹2.00 | 100% | 1:2 | up to 1 working day |
| Thai Royal Orchid Plusdirect | ₹2.00 | 100% | 1:2 | up to 1 working day |
| The Postcard Sunshine Clubdirect | ₹2.00 | 100% | 1:2 | up to 2 working days |
| Turkish Airlines Miles&Smilesdirect | ₹2.00 | 100% | 1:2 | up to 10 working days |
| United MileagePlusdirect | ₹2.00 | 100% | 1:2 | up to 1 working day |
| Wyndham Rewardsdirect | ₹1.30 | 65% | 1:2 | up to 1 working day |
| Virgin Australia Velocityvia Singapore Airlines KrisFlyer | ₹1.29 | 65% | 1:1.29 | up to 11 days end-to-end |
| IHG One Rewardsdirect | ₹1.10 | 55% | 1:2 | up to 1 working day |
| Accor Live Limitless (ALL)direct | ₹1.07 | 54% | 2:1 | up to 1 working day |
| Shangri-La Circlevia Singapore Airlines KrisFlyer | ₹1.06 | 53% | 6:1 | 1 of 2 leg times unpublished |
| Lufthansa Miles & Moredirect | ₹1.00 | 50% | 1:1 | up to 5 working days |
| Orchid Rewardsdirect | ₹1.00 | 50% | 1:1 | up to 1 working day |
| SpiceJet SpiceClubdirect | ₹1.00 | 50% | 1:2 | up to 10 working days |
| Hainan Airlines Fortune Wingsvia Hilton Honors | ₹0.80 | 40% | 1.25:1 | up to 31 days end-to-end |
| Hilton Honorsdirect | ₹0.80 | 40% | 1:2 | up to 1 working day |
| Marriott Bonvoyvia Singapore Airlines KrisFlyer | ₹0.75 | 38% | 1:1.5 | up to 66 days end-to-end |
| Southwest Rapid Rewardsvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.75 | 38% | 1.6:1 effective | ≈1–68 days end-to-end |
| Aegean Miles+Bonusvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.63 | 31% | 1.6:1 effective | ≈3–69 days end-to-end |
| Alaska Airlines Atmos Rewardsvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.63 | 31% | 1.6:1 effective | ≈1–67 days end-to-end |
| ANA Mileage Clubvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.63 | 31% | 1.6:1 effective | ≈4–73 days end-to-end |
| Avios (BA / Qatar / Finnair)via Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.63 | 31% | 1.6:1 effective | ≈1–68 days end-to-end |
| Cathay Asia Milesvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.63 | 31% | 1.6:1 effective | ≈1–71 days end-to-end |
| Copa Airlines ConnectMilesvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.63 | 31% | 1.6:1 effective | ≈3–69 days end-to-end |
| Saudia Alfursanvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.63 | 31% | 1.6:1 effective | ≈5–71 days end-to-end |
| Virgin Atlantic Flying Clubvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.63 | 31% | 1.6:1 effective | ≈1–68 days end-to-end |
| Air China PhoenixMilesvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.56 | 28% | 1.6:1 effective | 1 of 3 leg times unpublished |
| Emirates Skywardsvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.56 | 28% | 1.6:1 effective | ≈3–69 days end-to-end |
| American Airlines AAdvantagevia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.50 | 25% | 2:1 | ≈2–68 days end-to-end |
| Avianca LifeMilesvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.50 | 25% | 2:1 | ≈1–67 days end-to-end |
| Delta SkyMilesvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.50 | 25% | 2:1 | ≈1–68 days end-to-end |
| LATAM Passvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.50 | 25% | 1.6:1 effective | ≈2–68 days end-to-end |
| TAP Air Portugal Miles&Govia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.50 | 25% | 1.6:1 effective | 1 of 3 leg times unpublished |
| Vietnam Airlines Lotusmilesdirect | ₹0.50 | 25% | 2:1 | up to 1 working day |
| Air NZ Airpoints Dollarsvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.49 | 24% | 106.67:1 effective | ≈1–67 days end-to-end |
| China Southern Sky Pearl Clubvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.47 | 23% | 1.6:1 effective | 1 of 3 leg times unpublished |
| AirAsia Rewardsdirect | ₹0.46 | 23% | 1:2 | up to 10 working days |
| JetBlue TrueBluevia IHG One Rewards | ₹0.44 | 22% | 2.5:1 | up to 43 days end-to-end |
| Air Europa SUMAvia Accor Live Limitless (ALL) | ₹0.40 | 20% | 2:1 | up to 43 days end-to-end |
| Korean Air SKYPASSvia IHG One Rewards | ₹0.40 | 20% | 2.5:1 | up to 43 days end-to-end |
| South African Airways Voyagervia IHG One Rewards | ₹0.40 | 20% | 2.5:1 | up to 43 days end-to-end |
| Aeroméxico Rewardsvia Singapore Airlines KrisFlyer → Marriott Bonvoy | ₹0.38 | 19% | 1.6:1 effective | ≈4–70 days end-to-end |
| Gulf Air Falconflyervia IHG One Rewards | ₹0.36 | 18% | 2.5:1 | up to 43 days end-to-end |
| Malaysia Airlines Enrichvia IHG One Rewards | ₹0.32 | 16% | 2.5:1 | up to 43 days end-to-end |
| IndiGo BluChipdirect | ₹0.25 | 13% | 2:1 | 1–2 working days |
| Radisson Rewardsdirect | ₹0.22 | 11% | 1:1 | up to 1 working day |
| EVA Air Infinity MileageLandsvia Hilton Honors | ₹0.20 | 10% | 5:1 | up to 31 days end-to-end |
| Oman Air Sindbadvia Accor Live Limitless (ALL) | ₹0.19 | 9% | 5.33:1 | up to 43 days end-to-end |
| China Eastern Milesvia Hilton Honors | ₹0.17 | 9% | 5:1 | up to 31 days end-to-end |
| Azul Fidelidade (TudoAzul)via Accor Live Limitless (ALL) | ₹0.16 | 8% | 4:1 | up to 43 days end-to-end |
| Kenya Airways Asante Rewardsvia Accor Live Limitless (ALL) | ₹0.14 | 7% | 6:1 | up to 43 days end-to-end |
| SAS EuroBonusvia Radisson Rewards | ₹0.13 | 6% | 7:1 | ≈28–43 days end-to-end |
Ratios read your points : the partner's points or miles. One point becomes = what it is worth once it lands, at our value for the programme it lands in.
The best move for every kind of points
One row per kind of points an Indian card earns: what one point becomes on its best transfer, what it is worth as it is, and where that best transfer goes.
| Your points | At best | As is | Best transfer | Places to go |
|---|---|---|---|---|
| RBL Reward Points | ₹0.33 | ₹0.25 | Air India Maharaja Points3:1, direct | 54 |
| Axis EDGE Reward Points | ₹0.44 | ₹0.40 | Japan Airlines Mileage Bank5:2, direct | 58 |
| ICICI Reward Points | ₹1.00 | ₹1.00 | Air India Maharaja Points1:1, direct | 2 |
| IndusInd Reward Points | ₹1.00 | ₹0.80 | Air India Maharaja Points1:1, direct | 47 |
| YES Rewardz (YES CC Rewardz) | ₹0.07 | ₹0.25 | Air India Maharaja Points15:1, direct | 1 |
| HDFC Reward Points | ₹1.10 | ₹1.00 | Singapore Airlines KrisFlyer1:1, direct | 54 |
| HSBC Reward Points | ₹2.15 | ₹2.00 | Accor Live Limitless (ALL)1:1, direct | 51 |
| Axis EDGE Miles | ₹2.20 | ₹2.00 | Japan Airlines Mileage Bank1:2, direct | 58 |
| Kotak Air Miles | ₹1.07 | ₹1.00 | Accor Live Limitless (ALL)2:1, direct | 47 |
| Amex Membership Rewards | ₹0.80 | ₹0.50 | Virgin Atlantic Flying Club5:4, direct | 51 |
| SBI Travel Credits | ₹1.07 | ₹1.00 | Accor Live Limitless (ALL)2:1, direct | 57 |
| RBL Reward Points (Nova/Lumière) | ₹1.00 | ₹1.00 | Club ITC1:1, direct | 54 |
| AURUM Reward Points | ₹0.20 | ₹0.25 | Air India Maharaja Points5:1, direct | 49 |
Hotel and airline points you already hold 25 programmes
Where you want your points to land
Every airline and hotel programme an Indian card can reach, with the cards that feed it.
- Air India Maharaja Points 82 cards you can get
- Singapore Airlines KrisFlyer 51 cards you can get
- Avios (BA / Qatar / Finnair) 45 cards you can get
- AirAsia Rewards 41 cards you can get
- Vietnam Airlines Lotusmiles 40 cards you can get
- Accor Live Limitless (ALL) 39 cards you can get
- United MileagePlus 39 cards you can get
- Air France-KLM Flying Blue 36 cards you can get
- Etihad Guest 35 cards you can get
- IHG One Rewards 35 cards you can get
- Thai Royal Orchid Plus 35 cards you can get
- Turkish Airlines Miles&Smiles 35 cards you can get
25 more programmes fewest cards last
- Wyndham Rewards 35 cards you can get
- Radisson Rewards 35 cards you can get
- SpiceJet SpiceClub 35 cards you can get
- Cathay Asia Miles 34 cards you can get
- Japan Airlines Mileage Bank 32 cards you can get
- Qantas Frequent Flyer 32 cards you can get
- Air Canada Aeroplan 32 cards you can get
- Ethiopian ShebaMiles 32 cards you can get
- Orchid Rewards 32 cards you can get
- IndiGo BluChip 29 cards you can get
- Hilton Honors 24 cards you can get
- Lufthansa Miles & More 24 cards you can get
- The Postcard Sunshine Club 24 cards you can get
- Marriott Bonvoy 12 cards you can get
- Club ITC 12 cards you can get
- Shangri-La Circle 8 cards you can get
- Air Arabia AirRewards 8 cards you can get
- EVA Air Infinity MileageLands 5 cards you can get
- Hainan Airlines Fortune Wings 5 cards you can get
- Emirates Skywards 3 cards you can get
- Avianca LifeMiles 3 cards you can get
- Jumeirah One 3 cards you can get
- Saudia Alfursan 3 cards you can get
- iShop (ICICI travel portal) 2 cards you can get
- Virgin Atlantic Flying Club existing holders only
Reached only through another programme 25 programmes
- Aegean Miles+Bonus
- Aeroméxico Rewards
- Air China PhoenixMiles
- Air Europa SUMA
- Air NZ Airpoints Dollars
- Alaska Airlines Atmos Rewards
- American Airlines AAdvantage
- ANA Mileage Club
- Azul Fidelidade (TudoAzul)
- China Eastern Miles
- China Southern Sky Pearl Club
- Copa Airlines ConnectMiles
- Delta SkyMiles
- Gulf Air Falconflyer
- JetBlue TrueBlue
- Kenya Airways Asante Rewards
- Korean Air SKYPASS
- LATAM Pass
- Malaysia Airlines Enrich
- Oman Air Sindbad
- South African Airways Voyager
- SAS EuroBonus
- Southwest Rapid Rewards
- TAP Air Portugal Miles&Go
- Virgin Australia Velocity
Your bank's transfer partners
Each bank's page lists every partner its points reach, with the ratio.
15 banks with transfer partners A to Z
- American Express 8 ways out
- Axis Bank 58 ways out
- Citibank 8 ways out
- CSB Bank 1 way out
- Federal Bank 1 way out
- HDFC Bank 59 ways out
- HSBC 20 ways out
- ICICI Bank 11 ways out
- IDFC FIRST Bank 1 way out
- IndusInd Bank 10 ways out
- Kotak Mahindra Bank 11 ways out
- RBL Bank 23 ways out
- SBI Card 33 ways out
- Standard Chartered 1 way out
- YES Bank 1 way out
The whole network on one map
80 programmes joined by 383 of the 395 live routes — the other 12 move Avios between its own programmes or reach a programme we don't price. Each line is coloured by how much of a point's ₹ value survives it, not by the ratio alone.
Show the map large
Drag the map sideways to see all of it. Tap a programme to light its routes.
Moving points between programmes
One-step moves from a hotel or airline balance you already hold, no card involved. Most are a way out of a stranded balance, not a plan.
196 one-step moves by programme
How long transfers take
Most banks publish a ceiling ("up to 7 working days"), not an answer. Every route says who states its window, and a route where nobody does says "not published" rather than borrowing a neighbour's number.
| Who says so | Routes | What it means |
|---|---|---|
| issuer-published | 249 | The card issuer states this window in its own document. |
| programme-published | 20 | The receiving programme states this window in its own document. |
| SLA + observed | 6 | The issuer's published SLA, printed with the shorter time transfers actually take. |
| community-reported | 76 | No issuer or programme publishes a window; a community grid is the only witness. |
| nobody publishes one | 16 | We read the document. It states no credit window. |
| not yet classified | 28 | Live, but we have not yet recorded who states the window. |
How we will summarise reports of real transfers
Below 3 reports for a route we print the raw reports, dated, and no average. Above it, our estimate is pulled toward the published window: 3 completed transfers weigh as much as the bank's own sentence. Reports and the people who sent them are always both printed. Send us a transfer you timed.
How we work it out
Ratios read your points : the partner's points: 2:1 means two of your points buy one. One point becomes = the partner's points per one of yours × our value for the partner's points. Kept = that, as a share of what your point is worth before it moves.
A route through other programmes (up to 6 steps) is listed only where it is the only way in or beats the direct one, with every step's ratio multiplied in. Volume bonuses are priced at the block the programme pays them in. What every point is worth.