Transfer desk · by bank
SBI Card transfer partners
29 bank routes out and 5 onward programme exits across 4 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.
26 of 29 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 — 29 of 32 rest on a document SBI Card 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 SBI Travel Credits → ALL - Accor Live Limitless at 2:1 — one point becomes ₹1.07, 108% of what it is worth sitting still · as of 15 Aug 2026
This page answers “where do SBI Card points go?”. For what one SBI Travel Credits point is worth, every way in to it and its nerf log, the programme hub is the better answer: Singapore Airlines KrisFlyer → · SBI Travel Credits → · IndiGo BluChip →
Singapore Airlines KrisFlyer
₹1.10/pt house value · earned by: KrisFlyer SBI Card APEX · KrisFlyer SBI Card you earn this
best way out Virgin Australia Velocity at 31:20 → ₹0.65 a point (59% of ₹1.10) · as of 5 Aug 2026
4 onward exits from inside Singapore Airlines KrisFlyer — the only way out, and it is one leg further
Second leg, moved from the Singapore Airlines KrisFlyer account rather than the SBI Card portal — you need a membership on both sides. Ratios are Singapore Airlines KrisFlyer 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 |
|---|---|---|---|---|
| Virgin Australia Velocity | 31:20 (1–2 days) | ₹0.65 a point 59% of ₹1.10 | instant in most cases, up to 24 hours | min 5,000 miles |
| Shangri-La Circle | 12:1 | ₹0.53 a point 48% of ₹1.10 | not published | min 20,000 miles · cap 180,000 miles per calendar year |
| Marriott Bonvoy | 4:3 (a month or more) | ₹0.49 a point 45% of ₹1.10 | in most cases up to eight weeks | min 3,000 miles · cap 250,000 miles per calendar year |
| ALL - Accor Live Limitless | 9:2 (instant) | ₹0.48 a point 44% of ₹1.10 | instant (06:00–23:59 SGT daily window) | min 4,500 miles · cap 180,000 miles per calendar year |
SBI Travel Credits
₹1.00/pt house value · earned by: SBI Card MILES PRIME · SBI Card MILES ELITE · SBI Card MILES you earn this
best way out ALL - Accor Live Limitless at 2:1 → ₹1.07 a point (108% of ₹1.00) · as of 8 Aug 2026
fastest way out: 3–5 working days (ITC official) · 25 of 25 routes publish a landing time · none publishes a minimum
all 25 routes out of SBI Travel Credits
| Partner | Ratio | Lands in | The read |
|---|---|---|---|
| Air India Maharaja Club | 1:1 (weeks)
→ ₹0.80 a point
(80%) | up to 21 days | The headline route — domestic + Star Alliance premium cabins post-Vistara. |
| The British Airways Club (Avios) | 1:1 (weeks)
→ ₹1.00 a point
(100%) | up to 21 days | 1:1 Avios without an Amex — short-haul sweet spots and Qatar Qsuite via Avios. |
| Air France-KLM Flying Blue | 1:1 (weeks)
→ ₹1.00 a point
(100%) | up to 21 days | Promo Rewards from India at full 1:1 value. |
| Air Canada Aeroplan | 1:1 (weeks)
→ ₹1.00 a point
(100%) | up to 21 days | Star Alliance long-haul business without fuel surcharges. |
| Cathay Pacific Asia Miles | 1:1 (weeks)
→ ₹1.00 a point
(100%) | up to 21 days | oneworld via HKG; a rare 1:1 Asia Miles feed from an Indian bank card. |
| Qantas Frequent Flyer | 1:1 (weeks)
→ ₹1.00 a point
(100%) | up to 21 days | oneworld access for Australia trips. |
| Thai Royal Orchid Plus | 1:1 (weeks)
→ ₹1.00 a point
(100%) | up to 21 days | Star Alliance via BKK regional premium cabins. |
| AirAsia Rewards | 1:1 (weeks)
→ ₹0.23 a point
(23%) | up to 21 days | Cheap SE Asia short-haul; thin per-point worth. |
| SpiceJet SpiceClub | 1:1 (weeks)
→ ₹0.50 a point
(50%) | up to 21 days | Domestic top-ups; low value. |
| Vietnam Airlines Lotusmiles | 1:1 (weeks)
→ ₹1.00 a point
(100%) | up to 21 days | A recent addition — a clean 1:1 SkyTeam feed for short-haul SE Asia. Niche, but full value. |
| Emirates Skywards | 2:1 (weeks)
→ ₹0.45 a point
(45%) | up to 21 days | Half value — only for topping up a Skywards balance you already hold. |
| Turkish Airlines Miles&Smiles | 2:1 (weeks)
→ ₹0.50 a point
(50%) | up to 21 days | Star Alliance sweet spots survive even at 2:1, barely. |
| United MileagePlus | 2:1 (weeks)
→ ₹0.50 a point
(50%) | up to 21 days | Wide Star Alliance reach, weak ratio. |
| Japan Airlines Mileage Bank | 2:1 (weeks)
→ ₹0.55 a point
(55%) | up to 21 days | oneworld Japan awards at half value. |
| Saudia Alfursan | 2:1 (weeks)
→ ₹0.50 a point
(50%) | up to 21 days | SkyTeam via JED/RUH; niche. |
| Ethiopian ShebaMiles | 2:1 (weeks)
→ ₹0.50 a point
(50%) | up to 21 days | Star Alliance to Africa; hard to book, weak ratio. |
| AirRewards (Air Arabia) | 2:1 (weeks)
→ ₹0.47 a point
(48%) | up to 21 days | Gulf low-cost top-ups; skip. |
| IHG One Rewards | 1:1 (weeks)
→ ₹0.55 a point
(55%) | up to 21 days | 1:1 into IHG — decent with 4th-night-free stacking. |
| Wyndham Rewards | 1:1 (weeks)
→ ₹0.65 a point
(65%) | up to 21 days | Flat-ish awards; situational. |
| Radisson Rewards | 1:1 (weeks)
→ ₹0.22 a point
(22%) | up to 21 days | 1:1 into Radisson Rewards — situational for domestic/APAC stays, full value on paper. |
| Orchid Rewards | 1:1 (weeks)
→ ₹1.00 a point
(100%) | up to 21 days | Royal Orchid mid-scale stays — the third 1:1 hotel exit. Domestic, niche, but full value. |
| ALL - Accor Live Limitless | 2:1 (weeks)
→ ₹1.07 a point
(108%) | up to 21 days | Accor's near-fixed €40/2,000-pt value halves through this ratio. |
| Club ITC | 2:1 (up to a week)
→ ₹0.50 a point
(50%) | 3–5 working days (ITC official) — Up to a week, counted in working days | ITC luxury nights at half value. |
| Jumeirah One | 2:1 (weeks)
→ ₹0.50 a point
(50%) | up to 21 days | Dubai luxury niche. |
| Shangri-La Circle | 6:1 (weeks)
→ ₹1.06 a point
(106%) | up to 21 days | Looks brutal, but GC points are rich — roughly ₹1.4/credit at GC's ~9¢ value. Min 1,200 credits. |
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 (3 cards)
| Card | Earns | Monthly earn cap | Accelerator ceiling | Its own ratio |
|---|---|---|---|---|
| SBI Card MILES PRIME | 1 / ₹100 | none published | no ₹ ceiling published | the currency's own ratios |
| SBI Card MILES ELITE | 1 / ₹100 | ₹15,00,000 of spend | no ₹ ceiling published | the currency's own ratios |
| SBI Card MILES | 0.5 / ₹100 | none published | no ₹ ceiling published | the currency's own ratios |
IndiGo BluChip
₹0.50/pt house value · earned by: IndiGo SBI Card ELITE · IndiGo SBI Card you earn this
best way out ALL - Accor Live Limitless at 6:1 → ₹0.36 a point (72% of ₹0.50) · as of 5 Aug 2026
1 onward exit from inside IndiGo BluChip — the only way out, and it is one leg further
Second leg, moved from the IndiGo BluChip account rather than the SBI Card portal — you need a membership on both sides. Ratios are IndiGo BluChip 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 |
|---|---|---|---|---|
| ALL - Accor Live Limitless | 6:1 | ₹0.36 a point 72% of ₹0.50 | not published | min 6,000 BluChips |
AURUM Reward Points
₹0.25/pt house value · earned by: SBI AURUM you earn this
best way out Club ITC at 5:1 → ₹0.20 a point (80% of ₹0.25) · as of 15 Aug 2026
fastest way out: up to 5 working days · 1 of 4 routes publish a landing time · 1 publish a minimum
all 4 routes out of AURUM Reward Points
| Partner | Ratio | Lands in | The read |
|---|---|---|---|
| Air India Maharaja Club | 5:1
→ ₹0.16 a point
(64%) | not published minimum not published | 5 RP (₹1.25 of catalogue value) per Maharaja point — only business-class awards clearing ₹1.5+/point beat just redeeming at ₹0.25. Ratio per CardInsider; SBI prints it only inside the login-walled portal. |
| Club ITC | 5:1 (up to a week)
→ ₹0.20 a point
(80%) | up to 5 working days — Up to a week, counted in working days
min 500 RP (increments of 500) | ITC's official grid names AURUM but prints NO ratio (and the conversion is irreversible) — the 5:1 is CardInsider's. At ₹1/Green Point that's ₹0.20 back per ₹0.25 of points: a door, not a deal. |
| The British Airways Club (Avios) | 5:1
→ ₹0.20 a point
(80%) | not published minimum not published | The one door with real upside — short-haul Avios pricing and Qsuite-tier partner awards above ₹2/Avios turn 5:1 into ₹0.40+ per RP, the only AURUM route that beats the catalogue outright. Ratio per CardInsider. |
| AirAsia Rewards | 4:1
→ ₹0.06 a point
(23%) | not published minimum not published | 4 RP (₹1 of catalogue value) for one AirAsia point worth ~₹0.23 — a 77% haircut. On the grid per CardInsider; shouldn't be in your plans. |
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.
No way out — SBI Card's closed loops
Tata NeuCoins (Tata Neu Infinity SBI Card, Tata Neu Plus SBI Card) · SBI Reward Points (SBI Card ELITE, SBI Card PRIME, BPCL SBI Card OCTANE, SBI Card PULSE, SimplyCLICK SBI Card, Titan SBI Card, Reliance SBI Card PRIME, Landmark Rewards SBI Card PRIME, BPCL SBI Card, SimplySAVE SBI Card, Landmark Rewards SBI Card SELECT, Landmark Rewards SBI Card, Reliance 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, SBI Card ELITE Business, SBI Card PRIME Business, Chennai Metro SBI Card, Mumbai Metro SBI Card, SBI Platinum Card, SBI Signature Card, SpiceJet SBI Card, SBI Gold & More Card, SBI Silver & More Card, SBI Vishal Mega Mart 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 Mumbai Card, SBI Apna Bazaar Card, LG SBI Card, SBI Social Card, SBI UBI Gold Card, SBI UBI 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 Platinum Card (2007), SBI Gold Master Card, SBI Doctors Card, SBI Platinum Card (2010)) · IRCTC Reward Points (IRCTC SBI Card Premier, IRCTC SBI Platinum Card) · SBI Card Cashback (Flipkart SBI Card, CASHBACK SBI Card) · Apollo Health Credits (Apollo SBI Card SELECT, Apollo SBI Card) · Paytm SBI Card Reward Points (Paytm SBI Card SELECT, Paytm SBI Card) · PhonePe SBI Card Reward Points (PhonePe SBI Card SELECT BLACK, PhonePe SBI Card PURPLE) · Google Pay Stars (Google Pay Flex SBI Card) · Air India Maharaja Points (Air India SBI Signature Card, Club Vistara SBI Card PRIME, Club Vistara SBI Card, Air India SBI Platinum Card) · Etihad Guest (Etihad Guest SBI Premier Card, Etihad Guest SBI Card) · SBI Railway Points (SBI Railway Card) · SBI Maruti Auto Points (SBI Maruti Card) — 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.
SBI Card transfers — the questions people actually ask
How to transfer SBI Travel Credits to Air India Maharaja Club?
SBI Travel Credits moves to Air India Maharaja Club at 1:1 — read our-points : partner-miles, never inverted. One SBI Travel Credits point becomes ₹0.80 of value at our house values, against ₹1.00 sitting where it is. Published landing window: up to 21 days. You transfer from the SBI Card rewards portal, not from the airline's side. Either way it is one-way and irreversible — the miles cannot come back.
Which airlines can I transfer SBI Travel Credits to?
25 priced programmes — ALL - Accor Live Limitless (2:1), Shangri-La Circle (6:1), The British Airways Club (Avios) (1:1), Air France-KLM Flying Blue (1:1), Air Canada Aeroplan (1:1), Cathay Pacific Asia Miles (1:1), and 19 more, every one listed in the table above with its ratio, landing window and what one point becomes in rupees.
Can I transfer SBI Card points to KrisFlyer?
No. No SBI Card currency on our board has a route into Singapore Airlines KrisFlyer, directly or through a programme hop. The currencies SBI Card cards earn reach 27 other programmes instead, all listed above. We would rather say no than point you at a chain we cannot price.
How long do SBI Card points take to transfer?
29 of 34 exits publish a window; the rest publish nothing and this page says so rather than filling the blank. The fastest published on SBI Travel Credits is 3–5 working days (ITC official). 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.