The network

Where your points can go — and what survives the trip

A 1:1 line into a weak currency is not the same as 1:1 into Avios, so nothing here is coloured by the ratio: every route is drawn by the ₹ that survives it, end to end. Most of this network is worse than it looks. Ratios read our points : partner miles — 2:1 means two of your points buy one partner mile, never the other way round.

362 live routes
81 programs on the map
73 keep ≥95% of the ₹
177 hand back under half

The whole network, drawn

The Indian points transfer network BANK POINTS INTERCHANGE TERMINALS Accor Live Limitless (ALL) Aegean Miles+Bonus Aeroméxico Rewards Air Canada Aeroplan Air Arabia AirRewards Air China PhoenixMiles Air Europa SUMA Air India Maharaja Points AirAsia Rewards Air NZ Airpoints Dollars Alaska Airlines Atmos Rewards American Airlines AAdvantage Amex Membership Rewards ANA Mileage Club Cathay Asia Miles AU Reward Points AURUM Reward Points Avios (BA / Qatar / Finnair) Axis EDGE Miles Axis EDGE Reward Points Azul Fidelidade (TudoAzul) China Eastern Miles China Southern Sky Pearl Club Club ITC Copa Airlines ConnectMiles Delta SkyMiles Emirates Skywards Ethiopian ShebaMiles Etihad Guest EVA Air Infinity MileageLands Flipkart SuperCoins Air France-KLM Flying Blue Gulf Air Falconflyer Hainan Airlines Fortune Wings HDFC Reward Points Hilton Honors HSBC Reward Points iShop (ICICI travel portal) ICICI Reward Points IHG One Rewards IndiGo BluChip IndusInd Reward Points Japan Airlines Mileage Bank JetBlue TrueBlue Jumeirah One Jupiter Jewels Kenya Airways Asante Rewards Korean Air SKYPASS Kotak Air Miles Singapore Airlines KrisFlyer LATAM Pass Avianca LifeMiles Mag Miles Malaysia Airlines Enrich Marriott Bonvoy Maximize MaxCoins Lufthansa Miles & More Oman Air Sindbad Orchid Rewards The Postcard Sunshine Club Qantas Frequent Flyer Radisson Rewards RBL Reward Points (Nova/Lumière) RBL Reward Points South African Airways Voyager SAS EuroBonus Saudia Alfursan SBI Travel Credits Shangri-La Circle Southwest Rapid Rewards SpiceJet SpiceClub TAP Air Portugal Miles&Go Thai Royal Orchid Plus Turkish Airlines Miles&Smiles United MileagePlus Vietnam Airlines Lotusmiles Virgin Atlantic Flying Club Virgin Australia Velocity World of Hyatt Wyndham Rewards YES Rewardz (YES CC Rewardz)
How to read the mapFold the method back up colour, ghosts, block bonuses

14 bank currencies feed 67 programs through 362 live routes — 10 hotel programs are the interchange almost everything connects through. Route from anywhere: a bank's points, a hotel stash, the Avios pool. Pick a start and a destination and the play lights up leg by leg, with the honest alternatives beside it. Or wander: hover anything for its story.

Colour is ₹ retention (the ratio × the destination's house value ÷ the source's), not the ratio alone. Dashed gold means the route exists but sits behind foreign elite status — 3 of them. 0 live routes carry no honest ₹ answer at all and are drawn in the toll tint rather than given a number we would have to invent. Ghost lines are routes that died — the April 2026 Axis purge is still on the map because pretending it never happened is how readers get burned. Volume bonuses are priced at the block, the way the programs actually pay them: Marriott's 3:1 with 5,000 bonus miles per 60,000 points means 60,000 → 25,000, an effective 2.4:1 — United's doubled block makes it 2:1. American, Delta and LifeMiles get no bonus and stay a flat 3:1.

Program-to-program: the direct doors

195 of the map's pairs need no credit card at all — you already hold the balance and one published hop finishes the job, a single leg rather than a chain of them. Open the balance you hold. Bank currencies are deliberately absent here; their routes live on the optimizer and the issuer desks under the transfer desk. Ratio, retention and timing below are the engine's, not the marketing's.

Marriott Bonvoy 31 direct doors out
IHG One Rewards 30 direct doors out
Accor Live Limitless (ALL) 29 direct doors out
Hilton Honors 23 direct doors out
World of Hyatt 20 direct doors out
Shangri-La Circle 14 direct doors out
Mag Miles 9 direct doors out
Maximize MaxCoins 8 direct doors out
Wyndham Rewards 8 direct doors out
Singapore Airlines KrisFlyer 4 direct doors out
Avios (BA / Qatar / Finnair) 2 direct doors out
Flipkart SuperCoins 2 direct doors out
Jumeirah One 2 direct doors out
Radisson Rewards 2 direct doors out
Alaska Airlines Atmos Rewards 1 direct door out
ANA Mileage Club 1 direct door out
Cathay Asia Miles 1 direct door out
Club ITC 1 direct door out
Emirates Skywards 1 direct door out
Ethiopian ShebaMiles 1 direct door out
Hainan Airlines Fortune Wings 1 direct door out
IndiGo BluChip 1 direct door out
Japan Airlines Mileage Bank 1 direct door out
Jupiter Jewels 1 direct door out
Virgin Australia Velocity 1 direct door out