Transfer desk · by bank

HDFC Bank transfer partners

22 bank routes out and 37 onward programme exits across 2 currencies — every ratio in our-points : partner-miles. Cards that ride each currency are chipped below it, and every route carries the date we last read the ratio out of its source document.

22 of 22 of these routes publish how long the transfer takes, and 1 publish a minimum you have to clear. The rest publish neither and say so — we don't fill a blank with a plausible number.

Every window below names who says so — 7 of 51 rest on a document HDFC Bank or the receiving programme published itself , and the rest say plainly that a community grid is the only witness. None yet carry a stopwatch of our own — we publish those as we run the transfers, never before. How we time transfers →

Best partner to use right now HDFC Reward Points → Singapore Airlines KrisFlyer at 1:1 — one point becomes ₹1.10, 110% of what it is worth sitting still · as of 5 Aug 2026

This page answers “where do HDFC Bank points go?”. For what one Marriott Bonvoy point is worth, every way in to it and its nerf log, the programme hub is the better answer: HDFC Reward Points → · Marriott Bonvoy →

HDFC Reward Points

₹1.00/pt house value · earned by: HDFC Infinia Metal · HDFC Diners Club Black Metal · HDFC Biz Black Metal · HDFC Regalia Gold · HDFC BizPower · HDFC Diners Club Privilege · PhonePe HDFC Bank Ultimo · Shoppers Stop Black HDFC Bank · PhonePe HDFC Bank Uno · IndianOil HDFC Bank Credit Card · Shoppers Stop HDFC Bank · HDFC Bank Corporate Platinum · HDFC Bank Corporate Premium · HDFC Bank Business Corporate Regalia · HDFC Bank Business Corporate MoneyBack · HDFC Bank SAP Concur Black · HDFC Bank Purchase Premium · HDFC Bank Business Regalia First · HDFC Bank Regalia First · HDFC Harley-Davidson Diners Club · HDFC Regalia · HDFC Regalia Activ · Best Price Save Max HDFC Bank · HDFC Bank Business Regalia · CSC Small Business MoneyBack HDFC Bank · HDFC Bank Diners Club Black (non-metal) · HDFC Bank Diners Club Miles · HDFC Bank Diners Club Premium · HDFC Bank Diners Club Rewardz · HDFC Bank MoneyBack (original) · Pine Labs HDFC Bank · Pine Labs HDFC Bank Pro · Retailio HDFC Bank Business · HDFC Bank Solitaire · HDFC Bank Superia · HDFC Bank Titanium Edge · HDFC Bank Titanium Times · HDFC Bank Business MoneyBack · HDFC Bank SAP Concur Prime · HDFC Bank Idea International Silver · HDFC Bank Idea International Gold

best way out Singapore Airlines KrisFlyer at 1:1 → ₹1.10 a point (110% of ₹1.00) · as of 2 Aug 2026

fastest way out: 24 hours · 22 of 22 routes publish a landing time · 1 publish a minimum

I have HDFC Reward Points

all 22 routes out of HDFC Reward Points

Partner	Ratio	Lands in	The read
Singapore Airlines KrisFlyer verified 2 Aug 2026	1:1 (up to a week) → ₹1.10 a point (110%) HDFC Regalia Gold: 2:1 HDFC BizPower: 2:1 HDFC Diners Club Privilege: 2:1 HDFC Regalia: 2:1	7 working days — Up to a week, counted in working days community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	The legacy 1:1 route. Saver business MAA/BLR/DEL → SIN and onward to Europe is where ₹2+/point lives. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Biz Black Metal, HDFC Regalia Gold, HDFC BizPower, HDFC Diners Club Privilege, HDFC Regalia
Air Canada Aeroplan verified 2 Aug 2026	2:1 (1–2 days) → ₹0.50 a point (50%) HDFC Regalia Gold: 100:33 HDFC BizPower: 3:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Star Alliance on a near-fixed chart; strong for North America and Europe business, no fuel surcharges. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Avianca LifeMiles verified 2 Aug 2026	2:1 (1–2 days) → ₹0.50 a point (50%)	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	No fuel surcharges on Star Alliance premium cabins; frequent buy-miles cheapness. HDFC-exclusive route. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
The British Airways Club (Avios) verified 2 Aug 2026	2:1 (1–2 days) → ₹0.50 a point (50%) HDFC Regalia Gold: 100:33 HDFC BizPower: 3:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Short-haul distance-band Avios; pool and hop to Qatar Qsuite. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Qatar Airways Privilege Club (Avios) verified 2 Aug 2026	2:1 (1–2 days) → ₹0.50 a point (50%) HDFC Regalia Gold: 100:33 HDFC BizPower: 3:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Qsuite to Doha and onward; Avios move freely across BA/Finnair/Qatar. Added 2025. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Finnair Plus (Avios) verified 2 Aug 2026	1:1 (1–2 days) → ₹1.00 a point (100%) HDFC Regalia Gold: 2:1 HDFC BizPower: 2:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	The best Avios on-ramp at 1:1. Distance bands and Qatar Qsuite via pooling. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Air France-KLM Flying Blue verified 2 Aug 2026	1:1 (1–2 days) → ₹1.00 a point (100%) HDFC Regalia Gold: 2:1 HDFC BizPower: 2:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Monthly Promo Rewards to Europe at a clean 1:1; dynamic base chart otherwise. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Cathay Asia Miles verified 2 Aug 2026	2:1 (1–2 days) → ₹0.50 a point (50%) HDFC Regalia Gold: 100:33 HDFC BizPower: 3:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Cathay business to Hong Kong and oneworld sweet spots. Added 2025. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Etihad Guest verified 2 Aug 2026	2:1 (1–2 days) → ₹0.50 a point (50%) HDFC Regalia Gold: 100:33 HDFC BizPower: 3:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Etihad business to AUH and Europe; watch increasingly dynamic pricing. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Turkish Airlines Miles&Smiles verified 2 Aug 2026	2:1 (1–2 days) → ₹0.50 a point (50%)	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Cheap Star Alliance awards to Europe/US — if you can survive the booking experience. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
United MileagePlus verified 2 Aug 2026	2:1 (1–2 days) → ₹0.50 a point (50%) HDFC Regalia Gold: 100:33	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	No fuel surcharges and wide Star Alliance access; dynamic but occasionally a steal. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Thai Royal Orchid Plus verified 2 Aug 2026	2:1 (1–2 days) → ₹0.50 a point (50%) HDFC Regalia Gold: 100:33 HDFC BizPower: 3:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Star Alliance via BKK; regional premium cabins. Added 2025. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Air India Maharaja Club verified 2 Aug 2026	2:1 (up to a week) → ₹0.40 a point (40%) HDFC Regalia Gold: 100:33 HDFC BizPower: 3:1	48–96 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Domestic + Star Alliance; the default premium-cabin target post-Vistara merger. Added Feb 2025. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Vietnam Airlines Lotusmiles verified 2 Aug 2026	1:1 (1–2 days) → ₹1.00 a point (100%) HDFC Regalia Gold: 2:1 HDFC BizPower: 2:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	SkyTeam short-haul across SE Asia; niche, but a clean 1:1. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
AirAsia Rewards verified 2 Aug 2026	1:1 (1–2 days) → ₹0.23 a point (23%) HDFC Regalia Gold: 2:1 HDFC BizPower: 2:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Cheap SE Asia short-haul economy; 1:1 keeps it painless for cash-fare offsets. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
SpiceJet SpiceClub verified 2 Aug 2026	1:1 (1–2 days) → ₹0.50 a point (50%) HDFC Regalia Gold: 2:1 HDFC BizPower: 2:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Domestic SpiceJet fares only; thin value, treat as a last resort. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
ALL - Accor Live Limitless verified 2 Aug 2026	2:1 (1–2 days) → ₹1.07 a point (108%)	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Near-fixed ~€40 per 2,000 ALL points against any stay; the most predictable hotel value here. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Marriott Bonvoy verified 2 Aug 2026	2:1 (1–2 days) → ₹0.33 a point (33%) HDFC Regalia Gold: 100:33 HDFC BizPower: 3:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Fully dynamic since 2025; free-night awards are what's left. Added 2025. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Club ITC verified 2 Aug 2026	2:1 (up to a week) → ₹0.50 a point (50%)	2–4 working days — Up to a week, counted in working days programme-published· 2 Aug — The receiving programme states this window in its own document. min 200 RP (100 Green Points, multiples of 100)	ITC luxury nights and suite upgrades across India; Green Points for dining. Added 2025. ITC's own partner page names Infinia, Diners Black AND Regalia Gold eligible (2026-07-21). Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
IHG One Rewards verified 2 Aug 2026	1:1 (1–2 days) → ₹0.55 a point (55%) HDFC Regalia Gold: 2:1 HDFC BizPower: 2:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	1:1, but IHG points are worth little — only for one specific costed booking. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Radisson Rewards verified 2 Aug 2026	1:1 (1–2 days) → ₹0.22 a point (22%) HDFC Regalia Gold: 2:1 HDFC BizPower: 2:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Thin per-point value, strictly situational. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower
Wyndham Rewards verified 2 Aug 2026	1:1 (1–2 days) → ₹0.65 a point (65%) HDFC Regalia Gold: 2:1 HDFC BizPower: 2:1	24 hours community-reported· 11 Jul — No issuer or programme publishes a window; a community grid is the only witness. minimum not published	Flat-ish redemptions and low points worth; niche use only. Only on: HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Regalia Gold, HDFC BizPower

Nothing on this currency publishes a window that short. The routes that might be fast enough are the ones publishing no time at all — we won't guess for them.

what each card can actually mint — caps by tier (41 cards)

Card	Earns	Monthly earn cap	Accelerator ceiling	Its own ratio
HDFC Infinia Metal	3.33 / ₹100	none published	no ₹ ceiling published	the currency's own ratios
HDFC Diners Club Black Metal	3.33 / ₹100	none published	no ₹ ceiling published	the currency's own ratios
HDFC Biz Black Metal	3.33 / ₹100	none published	₹1,12,500 a year 5X business payments (tax/GST/bills/MyBiz)	shut out of: Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Regalia Gold	1.63 / ₹100	none published	no ₹ ceiling published	Singapore Airlines KrisFlyer: 2:1 Air Canada Aeroplan: 100:33 The British Airways Club (Avios): 100:33 Qatar Airways Privilege Club (Avios): 100:33 Finnair Plus (Avios): 2:1 Air France-KLM Flying Blue: 2:1 Cathay Asia Miles: 100:33 Etihad Guest: 100:33 United MileagePlus: 100:33 Thai Royal Orchid Plus: 100:33 Air India Maharaja Club: 100:33 Vietnam Airlines Lotusmiles: 2:1 AirAsia Rewards: 2:1 SpiceJet SpiceClub: 2:1 Marriott Bonvoy: 100:33 IHG One Rewards: 2:1 Radisson Rewards: 2:1 Wyndham Rewards: 2:1
HDFC BizPower	1.63 / ₹100	none published	₹58,500 a year 5X business spends (GST/income tax, ads, bills, MyBiz)	Singapore Airlines KrisFlyer: 2:1 Air Canada Aeroplan: 3:1 The British Airways Club (Avios): 3:1 Qatar Airways Privilege Club (Avios): 3:1 Finnair Plus (Avios): 2:1 Air France-KLM Flying Blue: 2:1 Cathay Asia Miles: 3:1 Etihad Guest: 3:1 Thai Royal Orchid Plus: 3:1 Air India Maharaja Club: 3:1 Vietnam Airlines Lotusmiles: 2:1 AirAsia Rewards: 2:1 SpiceJet SpiceClub: 2:1 Marriott Bonvoy: 3:1 IHG One Rewards: 2:1 Radisson Rewards: 2:1 Wyndham Rewards: 2:1
HDFC Diners Club Privilege	1 / ₹100	none published	no ₹ ceiling published	Singapore Airlines KrisFlyer: 2:1 shut out of: Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
PhonePe HDFC Bank Ultimo	0 / ₹100	none published	₹12,000 a year 10% on PhonePe recharges, bills and travel	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
Shoppers Stop Black HDFC Bank	1 / ₹100	none published	no ₹ ceiling published	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
PhonePe HDFC Bank Uno	0 / ₹100	none published	₹6,000 a year 2% on PhonePe recharges, bills and travel	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
IndianOil HDFC Bank Credit Card	0.64 / ₹100	none published	₹4,032 a year IndianOil fuel, groceries and bill payments	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
Shoppers Stop HDFC Bank	0.25 / ₹100	₹1,00,000 of spend	₹6,000 a year 3% at Shoppers Stop	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Corporate Platinum	0.6 / ₹100	₹3,00,000 of spend	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Corporate Premium	1 / ₹100	₹3,00,000 of spend	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Business Corporate Regalia	0.8 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Business Corporate MoneyBack	0.4 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank SAP Concur Black	1 / ₹100	₹3,00,000 of spend	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Purchase Premium	0.53 / ₹100	₹5,62,500 of spend	₹18,000 a year 5% CashBack on business essential spends	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Business Regalia First	0.15 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Regalia First	0.45 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Harley-Davidson Diners Club	1.33 / ₹100	₹93,750 of spend	no ₹ ceiling published	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Regalia	1 / ₹100	none published	no ₹ ceiling published	Singapore Airlines KrisFlyer: 2:1 shut out of: Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Regalia Activ	1 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
Best Price Save Max HDFC Bank	0.4 / ₹100	none published	no ₹ ceiling published	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Business Regalia	1 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
CSC Small Business MoneyBack HDFC Bank	0.2 / ₹100	none published	no ₹ ceiling published	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Diners Club Black (non-metal)	3.33 / ₹100	none published	no ₹ ceiling published	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Diners Club Miles	2 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Diners Club Premium	1 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Diners Club Rewardz	0.45 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank MoneyBack (original)	0.25 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
Pine Labs HDFC Bank	0.333 / ₹100	none published	₹3,000 a year Utility, telecom, IRCTC, government and tax payments	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
Pine Labs HDFC Bank Pro	1.333 / ₹100	none published	₹3,000 a year Utility, telecom, IRCTC, government and tax payments	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
Retailio HDFC Bank Business	0.333 / ₹100	none published	₹3,000 a year Utility, telecom, government and tax payments	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Solitaire	0.3 / ₹100	none published	no ₹ ceiling published	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Superia	1.05 / ₹100	none published	no ₹ ceiling published	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Titanium Edge	0.1 / ₹100	none published	no ₹ ceiling published	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Titanium Times	0.1 / ₹100	none published	no ₹ ceiling published	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Business MoneyBack	0.25 / ₹100	none published	no ₹ ceiling published	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank SAP Concur Prime	0.6 / ₹100	₹3,00,000 of spend	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Idea International Silver	1 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards
HDFC Bank Idea International Gold	1 / ₹100	none published	no accelerator	shut out of: Singapore Airlines KrisFlyer, Air Canada Aeroplan, Avianca LifeMiles, The British Airways Club (Avios), Qatar Airways Privilege Club (Avios), Finnair Plus (Avios), Air France-KLM Flying Blue, Cathay Asia Miles, Etihad Guest, Turkish Airlines Miles&Smiles, United MileagePlus, Thai Royal Orchid Plus, Air India Maharaja Club, Vietnam Airlines Lotusmiles, AirAsia Rewards, SpiceJet SpiceClub, ALL - Accor Live Limitless, Marriott Bonvoy, Club ITC, IHG One Rewards, Radisson Rewards, Wyndham Rewards

Marriott Bonvoy

₹0.65/pt house value · earned by: Marriott Bonvoy HDFC Bank

best way out Southwest Rapid Rewards at 3:1 → ₹0.40 a point (62% of ₹0.65) · as of 5 Aug 2026

37 onward exits from inside Marriott Bonvoy — the only way out, and it is one leg further

Second leg, moved from the Marriott Bonvoy account rather than the HDFC Bank portal — you need a membership on both sides. Ratios are Marriott Bonvoy points : destination miles. A volume bonus is printed as its own term and never averaged into the rate.

Programme	Ratio	Worth	Lands in	Mins, caps & bonus
Southwest Rapid Rewards read 5 Aug 2026	3:1 (1–2 days)	₹0.40 a point 62% of ₹0.65	1–2 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Singapore Airlines KrisFlyer read 5 Aug 2026	3:1 (up to a week)	₹0.37 a point 57% of ₹0.65	2–4 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Japan Airlines Mileage Bank read 5 Aug 2026	3:1 (1–2 days)	₹0.37 a point 57% of ₹0.65	~2 days programme-published· 5 Aug — The receiving programme states this window in its own document.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Air Canada Aeroplan read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	~5 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
ANA Mileage Club read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	4–7 days programme-published· 5 Aug — The receiving programme states this window in its own document.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Air France-KLM Flying Blue read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	1–3 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Copa Airlines ConnectMiles read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	~3 days programme-published· 5 Aug — The receiving programme states this window in its own document.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Thai Royal Orchid Plus read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	~4 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Turkish Airlines Miles&Smiles read 5 Aug 2026	3:1 (1–2 days)	₹0.33 a point 51% of ₹0.65	~1 day community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
United MileagePlus read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	2–5 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 10,000 bonus miles per 60,000 points transferred (doubled vs standard — 60k pts → 30k miles, effective 2:1)
American Airlines AAdvantage read 5 Aug 2026	3:1 (1–2 days)	₹0.33 a point 51% of ₹0.65	~2 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day
The British Airways Club (Avios) read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	1–3 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Cathay Pacific Asia Miles read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	1–5 days programme-published· 5 Aug — The receiving programme states this window in its own document.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Iberia Plus (Avios) read 5 Aug 2026	3:1 (1–2 days)	₹0.33 a point 51% of ₹0.65	1–2 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Qantas Frequent Flyer read 5 Aug 2026	3:1 (1–2 days)	₹0.33 a point 51% of ₹0.65	~2 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Qatar Airways Privilege Club (Avios) read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	~3 days programme-published· 5 Aug — The receiving programme states this window in its own document.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Saudia Alfursan read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	~5 days (crowdsourced) community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Delta SkyMiles read 5 Aug 2026	3:1 (1–2 days)	₹0.33 a point 51% of ₹0.65	1–2 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day
Aegean Miles+Bonus read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	~3 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Aer Lingus AerClub read 5 Aug 2026	3:1	₹0.33 a point 51% of ₹0.65	not published	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Alaska Airlines Atmos Rewards read 5 Aug 2026	3:1 (1–2 days)	₹0.33 a point 51% of ₹0.65	~1 day community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Avianca LifeMiles read 5 Aug 2026	3:1 (1–2 days)	₹0.33 a point 51% of ₹0.65	~1 day community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day
Etihad Guest read 5 Aug 2026	3:1 (up to a week)	₹0.33 a point 51% of ₹0.65	~3 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Hainan Airlines Fortune Wings read 5 Aug 2026	3:1 (weeks)	₹0.33 a point 51% of ₹0.65	~8 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Virgin Atlantic Flying Club read 5 Aug 2026	3:1 (1–2 days)	₹0.33 a point 51% of ₹0.65	1–2 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Virgin Australia Velocity read 5 Aug 2026	3:1 (1–2 days)	₹0.33 a point 51% of ₹0.65	~1 day programme-published· 5 Aug — The receiving programme states this window in its own document.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Vueling Club read 5 Aug 2026	3:1	₹0.33 a point 51% of ₹0.65	not published	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Ethiopian ShebaMiles read 5 Aug 2026	3:1	₹0.33 a point 51% of ₹0.65	not published	min 3,000 points · max 240,000 points/day bonus: 5,000 bonus miles per 60,000 points transferred
Air China PhoenixMiles read 5 Aug 2026	3:1	₹0.30 a point 46% of ₹0.65	not published	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Emirates Skywards read 5 Aug 2026	3:1 (up to a week)	₹0.30 a point 46% of ₹0.65	~3 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
TAP Air Portugal Miles&Go read 5 Aug 2026	3:1	₹0.27 a point 42% of ₹0.65	not published	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
LATAM Pass read 5 Aug 2026	3:1 (1–2 days)	₹0.27 a point 42% of ₹0.65	~2 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
LATAM Pass Brazil read 5 Aug 2026	3:1	₹0.27 a point 42% of ₹0.65	not published	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Air New Zealand Airpoints read 5 Aug 2026	200:1 (1–2 days)	₹0.26 a point 40% of ₹0.65	~1 day community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 75 bonus miles per 60,000 points transferred (paid as Airpoints Dollars)
China Southern Sky Pearl Club read 5 Aug 2026	3:1	₹0.25 a point 38% of ₹0.65	not published	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Aeroméxico Rewards read 5 Aug 2026	3:1 (up to a week)	₹0.20 a point 31% of ₹0.65	~4 days community-reported· 5 Aug — No issuer or programme publishes a window; a community grid is the only witness.	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred
Frontier Miles read 5 Aug 2026	3:1	not priced	not published	min 3,000 pts · max 240,000 pts/day bonus: 5,000 bonus miles per 60,000 points transferred

what each card can actually mint — caps by tier (1 card)

Card	Earns	Monthly earn cap	Accelerator ceiling	Its own ratio
Marriott Bonvoy HDFC Bank	1.33 / ₹100	₹1,50,000 of spend	no ₹ ceiling published	the currency's own ratios

No way out — HDFC Bank's closed loops

Tata NeuCoins (Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank) · HDFC Bank CashPoints (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 Business, Paytm HDFC Bank Select Business, Flipkart Wholesale HDFC Bank, Paytm HDFC Bank, HDFC Bank BizGrow, HDFC Bank UPI RuPay, HDFC Bank UPI RuPay Biz, HDFC Bank MoneyBack+, HDFC Bank UPI RuPay Mega Saver, HDFC Bank Biz First, HDFC Bank GIGA Business, HDFC Bank Micro Enterprise Business, HDFC Bank Easy EMI) · Statement cashback (₹) (Swiggy Ornge HDFC Bank Credit Card, Swiggy BLCK HDFC Bank Credit Card, Swiggy HDFC Bank Credit Card, HDFC Bank Purchase MoneyBack, HDFC Bank Purchase Reward, HDFC Bank Purchase Card, Best Price Save Smart HDFC Bank, HDFC Bank Bharat, HDFC Bank Business Platinum, HDFC Bank Business Bharat CashBack) · InterMiles (InterMiles HDFC Bank Diners Club, InterMiles HDFC Bank Platinum, InterMiles HDFC Bank Signature, JetPrivilege HDFC Bank Titanium) — these currencies have no transfer partner and no onward programme hop either. Both files were checked: a currency listed here is a genuine dead end, not one whose exits simply live in the other file. Redemption value is whatever the catalogue pays; the card pages carry the honest ₹/point.

HDFC Bank transfers — the questions people actually ask

How to transfer HDFC Bank Marriott Bonvoy to Singapore Airlines KrisFlyer?

Marriott Bonvoy moves to Singapore Airlines KrisFlyer at 3:1 — read our-points : partner-miles, never inverted. One Marriott Bonvoy point becomes ₹0.37 of value at our house values, against ₹0.65 sitting where it is. Published landing window: 2–4 days. It is a programme-to-programme move, not a bank one: the points go from your Marriott Bonvoy account, so you need a membership on both sides and the HDFC Bank portal never sees it. Either way it is one-way and irreversible — the miles cannot come back.

Which airlines can I transfer Marriott Bonvoy to?

36 priced programmes — Southwest Rapid Rewards (3:1), Singapore Airlines KrisFlyer (3:1), Japan Airlines Mileage Bank (3:1), Air Canada Aeroplan (3:1), ANA Mileage Club (3:1), Air France-KLM Flying Blue (3:1), and 30 more, every one listed in the table above with its ratio, landing window and what one point becomes in rupees.

Can I transfer HDFC Bank points to KrisFlyer?

Yes — HDFC Reward Points goes to Singapore Airlines KrisFlyer at 1:1. That makes one HDFC Reward Points point worth ₹1.10 of KrisFlyer miles at our house value. Published landing window: 7 working days.

How long do HDFC Bank points take to transfer?

51 of 59 exits publish a window; the rest publish nothing and this page says so rather than filling the blank. Every window names who says so — the issuer, the receiving programme, or a community grid — because a bank's own clause is a promise you can hold it to and a stranger's recollection is not.