Transfer desk · by program
Feeding Emirates Skywards from India
Every way in — 15 direct card routes, 9 chains via intermediaries, 6 partner-balance hops — priced at the ₹0.90/pt house value. Multi-leg paths show the aggregated end-to-end ratio. Every ratio here reads our points : partner miles — 2:1 means two of your points buy one partner mile, 1:2 means one point buys two. The strongest pipe today: SBI Card MILES PRIME at 2:1.
Program detail — award charts, nerf log, ways out: the Emirates Skywards hub →
01 · Direct from a card
The best conversion each Indian currency reaches, and the highest-ranked card that rides it. Every card route is in the ranked table under it.
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SBI Travel Credits 2:1 (weeks)
Best on SBI Card MILES PRIME — 3 cards on this currency can ride it
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Amex Membership Rewards 2:1 (up to a week)
Best on Amex Green Corporate Card — 12 cards on this currency can ride it
Every card route, ranked
15 rows · best conversion first
| Card | Earns | Ratio | Miles / pt | ₹ / pt | Time | → out |
|---|---|---|---|---|---|---|
| SBI Card MILES PRIME yours #58 SBI Travel Credits | SBI Travel Credits | 2:1 (weeks) | 0.50 | ₹0.45 | up to 21 days | |
| SBI Card MILES ELITE yours #95 SBI Travel Credits | SBI Travel Credits | 2:1 (weeks) | 0.50 | ₹0.45 | up to 21 days | |
| SBI Card MILES yours #136 SBI Travel Credits | SBI Travel Credits | 2:1 (weeks) | 0.50 | ₹0.45 | up to 21 days | |
| Amex Green Corporate Card yours #496 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Amex Gold Corporate Card yours #497 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Amex Platinum Corporate Card yours #498 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Amex Platinum Travel yours #581 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Amex Platinum Charge yours #582 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Amex Membership Rewards Card yours #583 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Amex Platinum Reserve yours #584 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Amex SmartEarn yours #586 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Amex Gold Charge yours #601 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Air India American Express Gold yours #952 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Air India American Express Credit Card yours #953 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR | |
| Amex Gold Credit Card yours #982 Amex Membership Rewards | Amex Membership Rewards | 2:1 (up to a week) | 0.50 | ₹0.45 | 1–3 days (SLA 5 working days) min 800 MR |
02 · Via intermediaries — aggregated ratio
9 chains · every leg's toll multiplied in
Card points hopping through 1–4 partner programs into Emirates Skywards, every leg multiplied into one end-to-end ratio. A chain is that whole path; each transfer inside it is a leg, and each one costs days and usually points. 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 → Emirates Skywards legs 3:1 · 2:3 · 3:1 + bonus · only via RBL iGlobe · RBL World Safari Plus · RBL Insignia Preferred Banking World Card RBL iGlobe: 6.4:1 ⚠ 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 240,000 pts/day | 4.8:1† | 0.21 | ₹1.20 | |
| RBL Reward Points (Nova/Lumière) → Club ITC → Marriott Bonvoy → Emirates Skywards legs 1:1 · 2:3 · 3:1 + bonus · only via RBL Nova · RBL Lumière 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 240,000 pts/day | 1.6:1† | 0.63 | ₹1.60 | |
| HSBC Reward Points → Accor Live Limitless (ALL) → Emirates Skywards legs 1:1 · 2:1 HSBC Platinum: 4:1 · HSBC RuPay Platinum: 4:1 ⚠ min 4,000 pts | 2:1 | 0.50 | ₹2.00 | |
| AURUM Reward Points → Club ITC → Marriott Bonvoy → Emirates Skywards legs 5:1 · 2:3 · 3:1 + bonus ⚠ 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 240,000 pts/day | 8:1† | 0.13 | ₹2.00 | |
| HDFC Reward Points → Singapore Airlines KrisFlyer → Marriott Bonvoy → Emirates Skywards legs 1:1 · 4:3 · 3:1 + bonus · only via HDFC Infinia Metal · HDFC Diners Club Black Metal · HDFC Biz Black Metal · HDFC Regalia Gold · HDFC BizPower · HDFC Diners Club Privilege · HDFC Regalia HDFC Diners Club Privilege: 6.4:1 · HDFC Regalia Gold: 6.4:1 · HDFC Regalia: 6.4:1 · HDFC BizPower: 6.4:1 ⚠ Singapore Airlines KrisFlyer: min 3,000 miles · cap 250,000 miles per calendar year · Marriott Bonvoy: min 3,000 pts · max 240,000 pts/day | 3.2:1† | 0.31 | ₹3.20 | |
| Axis EDGE Miles → Singapore Airlines KrisFlyer → Marriott Bonvoy → Emirates Skywards legs 1:2 · 4:3 · 3:1 + bonus Axis Bank PRIMUS: 1:1.56 · Axis Olympus: 1:1.25 · Axis Horizon: 3.2:1 · IndianOil Axis Bank Premium: 6.4:1 ⚠ Singapore Airlines KrisFlyer: min 3,000 miles · cap 250,000 miles per calendar year · Marriott Bonvoy: min 3,000 pts · max 240,000 pts/day | 1.6:1† | 0.63 | ₹3.20 | |
| Axis EDGE Reward Points → Singapore Airlines KrisFlyer → Marriott Bonvoy → Emirates Skywards legs 5:2 · 4:3 · 3:1 + bonus Axis Magnus for Burgundy: 4:1 · Axis Burgundy Private: 4:1 · Axis Bank SELECT: 32:1 · Axis Bank Privilege: 32:1 · Axis Bank REWARDS: 32:1 · Samsung Axis Bank Infinite: 64:1 · Samsung Axis Bank Signature: 64:1 · Axis Bank My Zone: 64:1 · Axis Bank NEO: 64:1 · Axis Bank Freecharge: 64:1 · Axis Bank My Wings: 64:1 · Axis Bank My Zone Easy: 64:1 · Axis Bank Privilege Easy: 64:1 · IndianOil Easy Axis Bank: 64:1 · IndianOil Axis Bank Credit Card: 64:1 · Axis Bank Platinum: 64:1 · Axis Bank Pride Platinum: 64:1 · Axis Bank Pride Signature: 64:1 · Axis Bank Titanium Smart Traveller: 64:1 · Axis Bank Corporate Credit Card: 64:1 · Axis Bank Business Supreme Visa: 64:1 · Axis Bank Business Supreme Mastercard: 64:1 ⚠ Singapore Airlines KrisFlyer: min 3,000 miles · cap 250,000 miles per calendar year · Marriott Bonvoy: min 3,000 pts · max 240,000 pts/day | 8:1† | 0.13 | ₹3.20 | |
| Kotak Air Miles → Accor Live Limitless (ALL) → Emirates Skywards legs 2:1 · 2:1 ⚠ min 4,000 pts | 4:1 | 0.25 | ₹4.00 | |
| IndusInd Reward Points → Singapore Airlines KrisFlyer → Marriott Bonvoy → Emirates Skywards legs 4:1 · 4:3 · 3:1 + bonus IndusInd PIONEER Private: 3.2:1 · IndusInd Pioneer Heritage: 6.4:1 · IndusInd Pinnacle World: 6.4:1 · IndusInd Pioneer Legacy: 6.4:1 ⚠ Singapore Airlines KrisFlyer: min 3,000 miles · cap 250,000 miles per calendar year · Marriott Bonvoy: min 3,000 pts · max 240,000 pts/day | 12.8:1† | 0.08 | ₹10.24 |
03 · Already holding hotel or partner points?
6 program hops · no card involved
Balance-origin hops — a transfer between two loyalty programs rather than out of a card, so it is a stash you already hold and no card is 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) ⚠ min 4,000 pts | 2:1 (a month or more) | 0.50 | ₹4.30 | up to 6 weeks | |
| Jumeirah One One of only two airline exits Jumeirah One kept (Head for Points, 28 Nov 2025 — 'all other airline partnersh… | 2:1 | 0.50 | ₹2.00 | — | |
| World of Hyatt The default 2.5:1 into our lowest-marked major mile (₹0.90) — ~24% retained, the weakest exit on Hyatt's tab… ⚠ min 5,000 Hyatt points per transaction, then 1,250-point increments | 2.5:1 (a month or more)‡ | 0.40 | ₹3.75 | allow 6 to 8 weeks for processing | |
| Marriott Bonvoy Direct Indian routes are cheaper — never chain. ⚠ min 3,000 pts · max 240,000 pts/day | 3:1 (up to a week)‡ | 0.33 | ₹1.95 | ~3 days | |
| IHG One Rewards ⚠ min 10,000 pts | 5:1 (a month or more) | 0.20 | ₹2.75 | up to 6 weeks (official) | |
| Hilton Honors ⚠ min 10,000 pts · cap 500,000 pts/calendar year | 10:1 (weeks) | 0.10 | ₹4.00 | up to 30 days |
Miles/pt = Emirates Skywards miles per 1 point of the source; aggregated ratios multiply every leg. ₹/mile prices the redemption 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. † ranked at the BEST-CASE block rate — the volume bonus on a leg of this chain (Bonvoy 5,000 miles per 60,000 points, Hyatt 5,000 per 50,000) pays only at whole blocks, so a transfer that doesn't fill one lands fewer miles than this row implies. ‡ the ratio is the BASE rate, which every transfer size pays. The block bonus is extra and only at whole blocks: 10,000 points earns none of it, 60,000 earns it once, 90,000 still earns it once. Cards saved in your wallet are highlighted automatically.
Straight answers
The questions people actually type about moving points into Emirates Skywards — answered from the same rows as the tables above, with the same numbers.
How long do SBI Travel Credits → Emirates Skywards transfers take?
Up to 21 days. SBI Travel Credits converts at 2:1, so one point becomes 0.50 Emirates Skywards points, worth ₹0.45 at our house mark. 3 cards on this currency can ride it, and SBI Card MILES PRIME is the highest-ranked. That gap is the risk: award space can vanish before the miles land, so never move points on spec.
How long do Amex Membership Rewards → Emirates Skywards transfers take?
1–3 days (SLA 5 working days). Amex Membership Rewards converts at 2:1, so one point becomes 0.50 Emirates Skywards points, worth ₹0.45 at our house mark. 12 cards on this currency can ride it, and Amex Green Corporate Card is the highest-ranked. That gap is the risk: award space can vanish before the miles land, so never move points on spec.
What's the best ratio into Emirates Skywards?
2:1 from SBI Travel Credits, on SBI Card MILES PRIME (ranked #58). One point becomes 0.50 Emirates Skywards points — ₹0.45 of value at our house mark. Nothing else on this page converts harder; the direct table above ranks the rest of the field, per-card exceptions already applied.
Do Emirates Skywards points expire?
Yes — hard 3 years from the date of earning, then swept at the END OF YOUR BIRTH MONTH in that third year — Emirates' own worked example: earned June 2019 + an August birthday = expires 31 Aug 2022. Three escapes, all official: Platinum members' Miles do not expire at all for as long as they hold the tier (effective 30 Nov 2018); Miles inside 3 months of expiry can be extended for a fee; and expired Miles can be reinstated if you ask within 6 months. A reward ticket booked before expiry stays valid up to 12 months, so miles about to die can still be spent on a later trip. That clock runs on the balance sitting in Emirates Skywards, not on the card points you started with — which is the argument for transferring against a booking rather than parking a stash here.
What's the minimum transfer into Emirates Skywards?
Amex Membership Rewards: 800 MR. Each is a floor on the points leaving, per transaction — the balance you need sitting in the bank's account before the button works, not the miles that land. SBI Travel Credits publishes no floor we can read — those issuers keep the number behind the transfer screen's login, so we print nothing rather than a guess that strands your points at the last step. Partner-balance hops carry their own: Accor Live Limitless (ALL) min 4,000 pts · World of Hyatt min 5,000 Hyatt points per transaction, then 1,250-point increments · Marriott Bonvoy min 3,000 pts, and 2 more on the rows above.