Transfer desk · by program
Feeding Avios (BA / Qatar / Finnair) from India
Every way in — 47 direct card routes, 5 chains via intermediaries, 22 partner-balance hops — priced at the ₹1.00/pt house value. Multi-leg paths show the aggregated end-to-end ratio. The strongest pipe today: HDFC Infinia Metal at 1:1.
Program detail — award charts, nerf log, ways out: the Avios (BA / Qatar / Finnair) hub →
Moving source points — each row shows what lands
01 · Direct from a card
| Card | Earns | Ratio | Miles / pt | ₹ / pt | Time | → out |
|---|---|---|---|---|---|---|
| HDFC Infinia Metal #1 | HDFC Reward Points | 1:1 | 1.00 | ₹1.00 | 24 hours | |
| HDFC Diners Club Black Metal #5 | HDFC Reward Points | 1:1 | 1.00 | ₹1.00 | 24 hours | |
| HSBC Premier (Metal) #9 | HSBC Reward Points | 1:1 | 1.00 | ₹1.00 | instant | |
| HSBC Premier (Metal) #9 | HSBC Reward Points | 1:1 | 1.00 | ₹1.00 | instant | |
| HSBC TravelOne #17 | HSBC Reward Points | 1:1 | 1.00 | ₹1.00 | instant | |
| HSBC TravelOne #17 | HSBC Reward Points | 1:1 | 1.00 | ₹1.00 | instant | |
| HDFC Diners Club Privilege #23 | HDFC Reward Points | 1:1 | 1.00 | ₹1.00 | 24 hours | |
| SBI Card MILES PRIME #36 | SBI Travel Credits | 1:1 | 1.00 | ₹1.00 | up to 21 days | |
| SBI Card MILES ELITE #47 | SBI Travel Credits | 1:1 | 1.00 | ₹1.00 | up to 21 days | |
| SBI Card MILES #62 | SBI Travel Credits | 1:1 | 1.00 | ₹1.00 | up to 21 days | |
| RBL Lumière #75 | RBL Reward Points (Nova/Lumière) | 1:1 | 1.00 | ₹1.00 | up to 7 working days | |
| HDFC Infinia Metal #1 | HDFC Reward Points | 2:1 | 0.50 | ₹0.50 | 24 hours | |
| HDFC Infinia Metal #1 | HDFC Reward Points | 2:1 | 0.50 | ₹0.50 | 24 hours | |
| Axis Atlas #2 | Axis EDGE Miles | 2:1 | 0.50 | ₹0.50 | 2–3 days | |
| Axis Atlas #2 | Axis EDGE Miles | 2:1 | 0.50 | ₹0.50 | 2–3 days | |
| HDFC Diners Club Black Metal #5 | HDFC Reward Points | 2:1 | 0.50 | ₹0.50 | 24 hours | |
| HDFC Diners Club Black Metal #5 | HDFC Reward Points | 2:1 | 0.50 | ₹0.50 | 24 hours | |
| Axis Olympus #8 | Axis EDGE Miles | 2:1 | 0.50 | ₹0.50 | 2–3 days | |
| Axis Olympus #8 | Axis EDGE Miles | 2:1 | 0.50 | ₹0.50 | 2–3 days | |
| HDFC Regalia Gold #11 | HDFC Reward Points | 2:1 | 0.50 | ₹0.50 | 24 hours | |
| RBL Nova #14 | RBL Reward Points (Nova/Lumière) | 2:1 | 0.50 | ₹0.50 | up to 7 working days | |
| Kotak Air+ #16 | Kotak Air Miles | 2:1 | 0.50 | ₹0.50 | not published | |
| Amex Platinum Travel #19 | Amex Membership Rewards | 2:1 | 0.50 | ₹0.50 | 1–3 days (SLA 5 working days) | |
| Amex Platinum Travel #19 | Amex Membership Rewards | 2:1 | 0.50 | ₹0.50 | 1–3 days (SLA 5 working days) | |
| HDFC Diners Club Privilege #23 | HDFC Reward Points | 2:1 | 0.50 | ₹0.50 | 24 hours | |
| HDFC Diners Club Privilege #23 | HDFC Reward Points | 2:1 | 0.50 | ₹0.50 | 24 hours | |
| Amex Platinum Charge #24 | Amex Membership Rewards | 2:1 | 0.50 | ₹0.50 | 1–3 days (SLA 5 working days) | |
| Amex Platinum Charge #24 | Amex Membership Rewards | 2:1 | 0.50 | ₹0.50 | 1–3 days (SLA 5 working days) | |
| Amex Membership Rewards Card #25 | Amex Membership Rewards | 2:1 | 0.50 | ₹0.50 | 1–3 days (SLA 5 working days) | |
| Amex Membership Rewards Card #25 | Amex Membership Rewards | 2:1 | 0.50 | ₹0.50 | 1–3 days (SLA 5 working days) | |
| Amex Platinum Reserve #29 | Amex Membership Rewards | 2:1 | 0.50 | ₹0.50 | 1–3 days (SLA 5 working days) | |
| Amex Platinum Reserve #29 | Amex Membership Rewards | 2:1 | 0.50 | ₹0.50 | 1–3 days (SLA 5 working days) | |
| Axis Horizon #33 | Axis EDGE Miles | 2:1 | 0.50 | ₹0.50 | 2–3 days | |
| Axis Horizon #33 | Axis EDGE Miles | 2:1 | 0.50 | ₹0.50 | 2–3 days | |
| Kotak Solitaire #46 | Kotak Air Miles | 2:1 | 0.50 | ₹0.50 | not published | |
| Amex Gold Charge #58 | Amex Membership Rewards | 2:1 | 0.50 | ₹0.50 | 1–3 days (SLA 5 working days) | |
| Amex Gold Charge #58 | Amex Membership Rewards | 2:1 | 0.50 | ₹0.50 | 1–3 days (SLA 5 working days) | |
| Axis Magnus for Burgundy #3 | Axis EDGE Reward Points | 5:2 | 0.40 | ₹0.40 | 2–3 days | |
| Axis Magnus for Burgundy #3 | Axis EDGE Reward Points | 5:2 | 0.40 | ₹0.40 | 2–3 days | |
| HDFC Regalia Gold #11 | HDFC Reward Points | 100:33 | 0.33 | ₹0.33 | 24 hours | |
| HDFC Regalia Gold #11 | HDFC Reward Points | 100:33 | 0.33 | ₹0.33 | 24 hours | |
| Axis Magnus (legacy) #6 | Axis EDGE Reward Points | 5:1 | 0.20 | ₹0.20 | 2–3 days | |
| Axis Magnus (legacy) #6 | Axis EDGE Reward Points | 5:1 | 0.20 | ₹0.20 | 2–3 days | |
| Axis Bank Reserve #20 | Axis EDGE Reward Points | 5:1 | 0.20 | ₹0.20 | 2–3 days | |
| Axis Bank Reserve #20 | Axis EDGE Reward Points | 5:1 | 0.20 | ₹0.20 | 2–3 days | |
| Axis Bank SELECT #40 | Axis EDGE Reward Points | 10:1 | 0.10 | ₹0.10 | 2–3 days | |
| Axis Bank SELECT #40 | Axis EDGE Reward Points | 10:1 | 0.10 | ₹0.10 | 2–3 days |
02 · Via intermediaries — aggregated ratio
Card points hopping through 1–4 partner programs into Avios (BA / Qatar / Finnair), every leg multiplied into one end-to-end ratio. Only chains that unlock this program or beat the direct route render — the value-traps are suppressed.
| Path | Aggregated | Miles / pt | ₹ / mile | → out |
|---|---|---|---|---|
| RBL Reward Points → Club ITC → Marriott Bonvoy → Avios (BA / Qatar / Finnair) legs 3:1 · 2:3 · 3:1 + bonus · rbl-world-safari only ⚠ Club ITC: min 2,000 Green Points, then multiples of 100 (ITC official) · cap 5,000 Green Points/quarter · 20,000/year (halved 1-May-2026; history: 15k/qtr + 60k/yr set Jul-2023, then 10k/40k) · Marriott Bonvoy: min 3,000 pts · max 2,40,000 pts/day | 4.8:1† | 0.21 | ₹1.20 | |
| Axis EDGE Miles → Club ITC → Marriott Bonvoy → Avios (BA / Qatar / Finnair) legs 1:2 · 2:3 · 3:1 + bonus Axis Olympus: 1:2.5 · Axis Horizon: 1.6:1 ⚠ Club ITC: min 2,000 Green Points, then multiples of 100 (ITC official) · cap 5,000 Green Points/quarter · 20,000/year (halved 1-May-2026; history: 15k/qtr + 60k/yr set Jul-2023, then 10k/40k) · Marriott Bonvoy: min 3,000 pts · max 2,40,000 pts/day | 1:1.25† | 1.25 | ₹1.60 | |
| Axis EDGE Reward Points → Club ITC → Marriott Bonvoy → Avios (BA / Qatar / Finnair) legs 5:2 · 2:3 · 3:1 + bonus Axis Magnus for Burgundy: 2:1 · Axis Bank SELECT: 8:1 ⚠ Club ITC: min 2,000 Green Points, then multiples of 100 (ITC official) · cap 5,000 Green Points/quarter · 20,000/year (halved 1-May-2026; history: 15k/qtr + 60k/yr set Jul-2023, then 10k/40k) · Marriott Bonvoy: min 3,000 pts · max 2,40,000 pts/day | 4:1† | 0.25 | ₹1.60 | |
| RBL Reward Points (Nova/Lumière) → Club ITC → Marriott Bonvoy → Avios (BA / Qatar / Finnair) legs 1:1 · 2:3 · 3:1 + bonus · rbl-lumiere/rbl-nova only RBL Nova: 3.2:1 ⚠ Club ITC: min 2,000 Green Points, then multiples of 100 (ITC official) · cap 5,000 Green Points/quarter · 20,000/year (halved 1-May-2026; history: 15k/qtr + 60k/yr set Jul-2023, then 10k/40k) · Marriott Bonvoy: min 3,000 pts · max 2,40,000 pts/day | 1.6:1† | 0.63 | ₹1.60 | |
| IndusInd Reward Points → Singapore Airlines KrisFlyer → Accor Live Limitless (ALL) → Avios (BA / Qatar / Finnair) legs 10:3 · 9:2 · 1:1 IndusInd Pioneer Heritage: 9:1 · IndusInd Pinnacle World: 9:1 · IndusInd Legend: 18:1 ⚠ Singapore Airlines KrisFlyer: min 4,500 miles · cap 180,000 miles per calendar year · Accor Live Limitless (ALL): min 3,000 pts | 15:1 | 0.07 | ₹12.00 |
03 · Already holding hotel or partner points?
Balance-origin hops — a stash you already hold, no card involved. Single leg, so the ratio is the aggregate. Most are rescue valves, not plans: check the ₹/mile before moving anything.
| Your balance in | Ratio | Miles / pt | ₹ / mile | Time | → out |
|---|---|---|---|---|---|
| Accor Live Limitless (ALL) 3,000 ALL → 3,000 Avios — the best conventional-Avios on-ramp here, and it STILL burns ~53% of ALL's ₹2.15 h… ⚠ min 3,000 pts | 1:1 | 1.00 | ₹2.15 | up to 6 weeks | |
| Shangri-La Circle ⚠ min 1,000 points | 1:1 | 1.00 | ₹6.35 | ~4–6 weeks | |
| Shangri-La Circle ⚠ min 1,000 points | 1:1 | 1.00 | ₹6.35 | ~4–6 weeks | |
| Avios (BA / Qatar / Finnair) Bidirectional, free, via avios.com — renamed from 'Iberia Plus' on 1-Apr-2025. BA ↔ Iberia direct; also the … ⚠ cap 1M Avios/programme/rolling 12 months (non-elite, BA Combine terms) | 1:1 | 1.00 | ₹1.00 | instant | |
| Avios (BA / Qatar / Finnair) Bidirectional, free. Must route via British Airways Club — the Qsuite unlock: any bank's Avios becomes Qatar… ⚠ cap 1M Avios/programme/rolling 12 months (non-elite, BA Combine terms) | 1:1 | 1.00 | ₹1.00 | instant | |
| Avios (BA / Qatar / Finnair) Bidirectional, free, DIRECT — Finnair migrated into the unified Avios pool (the old route-via-BA requirement… ⚠ cap 1M Avios/programme/rolling 12 months (non-elite, BA Combine terms) | 1:1 | 1.00 | ₹1.00 | instant | |
| Avios (BA / Qatar / Finnair) Bidirectional, free, via avios.com. Niche for Indians (transatlantic ex-Dublin). ⚠ cap 1M Avios/programme/rolling 12 months (non-elite, BA Combine terms) | 1:1 | 1.00 | ₹1.00 | instant | |
| Avios (BA / Qatar / Finnair) Bidirectional, free, via avios.com. European low-cost; near-zero India utility but part of the family. ⚠ cap 1M Avios/programme/rolling 12 months (non-elite, BA Combine terms) | 1:1 | 1.00 | ₹1.00 | instant | |
| Avios (BA / Qatar / Finnair) The 7th family member — joined Avios 31-Mar-2025 (ex 'Clan Loganair'). Scottish regional; zero India utility… ⚠ cap 1M Avios/programme/rolling 12 months (non-elite, BA Combine terms) | 1:1 | 1.00 | ₹1.00 | instant | |
| Accor Live Limitless (ALL) SETTLED 4:3 (2,000 → 1,500) 2026-07-21: HfP (24-Nov-2025) + pointsmath agree, and the 2026-07-10 official-gr… ⚠ min 2,000 pts | 4:3 | 0.75 | ₹2.87 | up to 6 weeks | |
| Accor Live Limitless (ALL) 2,000 ALL → 1,300 Avios — better than the 2:1 grid, still only 36% retained. ⚠ min 2,000 pts | 20:13 | 0.65 | ₹3.31 | up to 6 weeks | |
| Accor Live Limitless (ALL) ⚠ min 4,000 pts | 2:1 | 0.50 | ₹4.30 | up to 6 weeks | |
| Marriott Bonvoy Avios are cheap direct from every Indian bank — never chain. ⚠ min 3,000 pts · max 2,40,000 pts/day | 3:1 | 0.42 | ₹1.56 | 1–3 days | |
| Marriott Bonvoy ⚠ min 3,000 pts · max 2,40,000 pts/day | 3:1 | 0.42 | ₹1.56 | 1–2 days | |
| Marriott Bonvoy ⚠ min 3,000 pts · max 2,40,000 pts/day | 3:1 | 0.42 | ₹1.56 | ~3 days | |
| Marriott Bonvoy ⚠ min 3,000 pts · max 2,40,000 pts/day | 3:1 | 0.42 | ₹1.56 | — | |
| Marriott Bonvoy ⚠ min 3,000 pts · max 2,40,000 pts/day | 3:1 | 0.42 | ₹1.56 | — | |
| IHG One Rewards ⚠ min 10,000 pts | 5:1 | 0.20 | ₹2.75 | up to 6 weeks (official) | |
| IHG One Rewards ⚠ min 10,000 pts | 5:1 | 0.20 | ₹2.75 | up to 6 weeks (official) | |
| IHG One Rewards ⚠ min 10,000 pts | 5:1 | 0.20 | ₹2.75 | up to 6 weeks (official) | |
| Hilton Honors ⚠ min 10,000 pts · cap 500,000 pts/calendar year | 10:1 | 0.10 | ₹4.00 | up to 30 days | |
| Hilton Honors ⚠ min 10,000 pts · cap 500,000 pts/calendar year | 10:1 | 0.10 | ₹4.00 | up to 30 days |
Miles/pt = Avios (BA / Qatar / Finnair) miles per 1 point of the source; aggregated ratios multiply every leg. ₹/mile prices the burn at house values. Chain rows print their own mins and caps — a capped valve moves slowly no matter how good the ratio. Per-card exceptions show their own aggregated ratio on the row. † priced at the marginal bonus-block rate (e.g. Bonvoy 60,000-pt blocks) — smaller transfers land fewer miles than the row implies. Cards saved in your wallet are highlighted automatically.