Transfer desk · by program
Feeding Marriott Bonvoy from India
Every way in — 27 direct card routes, 8 chains via intermediaries, 12 partner-balance hops — priced at the ₹0.65/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: HSBC Premier (Metal) at 1:1.
Program detail — award charts, nerf log, ways out: the Marriott Bonvoy 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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HSBC Reward Points 1:1 (1–2 days)
Best on HSBC Premier (Metal) — 7 cards on this currency can ride it
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Amex Membership Rewards 1:1 (up to a week)
Best on Amex Green Corporate Card — 12 cards on this currency can ride it
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HDFC Reward Points 2:1 (1–2 days)
Best on HDFC Infinia Metal — 4 cards on this currency can ride it
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Kotak Air Miles 3:1
Best on Kotak Air+ Prime — 4 cards on this currency can ride it
Every card route, ranked
27 rows · best conversion first
| Card | Earns | Ratio | Miles / pt | ₹ / pt | Time | → out |
|---|---|---|---|---|---|---|
| HSBC Premier (Metal) yours #7 HSBC Reward Points | HSBC Reward Points | 1:1 (1–2 days) | 1.00 | ₹0.65 | instantly, or within 1 business day | |
| HSBC TravelOne yours #19 HSBC Reward Points | HSBC Reward Points | 1:1 (1–2 days) | 1.00 | ₹0.65 | instantly, or within 1 business day | |
| HSBC Privé yours #44 HSBC Reward Points | HSBC Reward Points | 1:1 (1–2 days) | 1.00 | ₹0.65 | instantly, or within 1 business day | |
| Amex Green Corporate Card yours #496 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| Amex Gold Corporate Card yours #497 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| Amex Platinum Corporate Card yours #498 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| Amex Platinum Travel yours #581 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| Amex Platinum Charge yours #582 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| Amex Membership Rewards Card yours #583 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| Amex Platinum Reserve yours #584 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| Amex SmartEarn yours #586 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| Amex Gold Charge yours #601 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| HSBC Smart Value yours #837 HSBC Reward Points | HSBC Reward Points | 1:1 (1–2 days) | 1.00 | ₹0.65 | instantly, or within 1 business day | |
| HSBC Advance Platinum yours #925 HSBC Reward Points | HSBC Reward Points | 1:1 (1–2 days) | 1.00 | ₹0.65 | instantly, or within 1 business day | |
| Air India American Express Gold yours #952 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| Air India American Express Credit Card yours #953 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| Amex Gold Credit Card yours #982 Amex Membership Rewards | Amex Membership Rewards | 1:1 (up to a week) | 1.00 | ₹0.65 | 24–48 hours (SLA 5 working days) min 100 MR | |
| HDFC Infinia Metal yours #1 HDFC Reward Points | HDFC Reward Points | 2:1 (1–2 days) | 0.50 | ₹0.33 | 24 hours | |
| HDFC Diners Club Black Metal yours #4 HDFC Reward Points | HDFC Reward Points | 2:1 (1–2 days) | 0.50 | ₹0.33 | 24 hours | |
| HSBC Platinum yours #75 HSBC Reward Points | HSBC Reward Points | 2:1 (1–2 days) | 0.50 | ₹0.33 | instantly, or within 1 business day | |
| HSBC RuPay Platinum yours #76 HSBC Reward Points | HSBC Reward Points | 2:1 (1–2 days) | 0.50 | ₹0.33 | instantly, or within 1 business day | |
| HDFC BizPower yours #15 HDFC Reward Points | HDFC Reward Points | 3:1 (1–2 days) | 0.33 | ₹0.22 | 24 hours | |
| Kotak Air+ Prime yours #21 Kotak Air Miles | Kotak Air Miles | 3:1 | 0.33 | ₹0.22 | — | |
| Kotak Air+ yours #22 Kotak Air Miles | Kotak Air Miles | 3:1 | 0.33 | ₹0.22 | — | |
| Kotak Air yours #70 Kotak Air Miles | Kotak Air Miles | 3:1 | 0.33 | ₹0.22 | — | |
| Kotak Solitaire yours #94 Kotak Air Miles | Kotak Air Miles | 3:1 | 0.33 | ₹0.22 | — | |
| HDFC Regalia Gold yours #14 HDFC Reward Points | HDFC Reward Points | 100:33 (1–2 days) | 0.33 | ₹0.21 | 24 hours |
02 · Via intermediaries — aggregated ratio
8 chains · every leg's toll multiplied in
Card points hopping through 1–4 partner programs into Marriott Bonvoy, 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 legs 3:1 · 2:3 · only via RBL iGlobe · RBL World Safari Plus · RBL Insignia Preferred Banking World Card RBL iGlobe: 2.67:1 ⚠ 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) | 2:1 | 0.50 | ₹0.50 | |
| RBL Reward Points (Nova/Lumière) → Club ITC → Marriott Bonvoy legs 1:1 · 2:3 · only via RBL Nova · RBL Lumière RBL Nova: 1.33:1 ⚠ 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) | 1:1.5 | 1.50 | ₹0.67 | |
| AURUM Reward Points → Club ITC → Marriott Bonvoy legs 5:1 · 2:3 ⚠ 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) | 3.33:1 | 0.30 | ₹0.83 | |
| HDFC Reward Points → Singapore Airlines KrisFlyer → Marriott Bonvoy legs 1:1 · 4:3 · 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: 2.67:1 · HDFC Regalia Gold: 2.67:1 · HDFC Regalia: 2.67:1 · HDFC BizPower: 2.67:1 ⚠ min 3,000 miles · cap 250,000 miles per calendar year | 1.33:1 | 0.75 | ₹1.33 | |
| Axis EDGE Miles → Singapore Airlines KrisFlyer → Marriott Bonvoy legs 1:2 · 4:3 Axis Bank PRIMUS: 1:3.75 · Axis Olympus: 1:3 · Axis Horizon: 1.33:1 · IndianOil Axis Bank Premium: 2.67:1 ⚠ min 3,000 miles · cap 250,000 miles per calendar year | 1:1.5 | 1.50 | ₹1.33 | |
| Axis EDGE Reward Points → Singapore Airlines KrisFlyer → Marriott Bonvoy legs 5:2 · 4:3 Axis Magnus for Burgundy: 1.67:1 · Axis Burgundy Private: 1.67:1 · Axis Bank SELECT: 13.33:1 · Axis Bank Privilege: 13.33:1 · Axis Bank REWARDS: 13.33:1 · Samsung Axis Bank Infinite: 26.67:1 · Samsung Axis Bank Signature: 26.67:1 · Axis Bank My Zone: 26.67:1 · Axis Bank NEO: 26.67:1 · Axis Bank Freecharge: 26.67:1 · Axis Bank My Wings: 26.67:1 · Axis Bank My Zone Easy: 26.67:1 · Axis Bank Privilege Easy: 26.67:1 · IndianOil Easy Axis Bank: 26.67:1 · IndianOil Axis Bank Credit Card: 26.67:1 · Axis Bank Platinum: 26.67:1 · Axis Bank Pride Platinum: 26.67:1 · Axis Bank Pride Signature: 26.67:1 · Axis Bank Titanium Smart Traveller: 26.67:1 · Axis Bank Corporate Credit Card: 26.67:1 · Axis Bank Business Supreme Visa: 26.67:1 · Axis Bank Business Supreme Mastercard: 26.67:1 ⚠ min 3,000 miles · cap 250,000 miles per calendar year | 3.33:1 | 0.30 | ₹1.33 | |
| SBI Travel Credits → Club ITC → Marriott Bonvoy legs 2:1 · 2:3 ⚠ 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) | 1.33:1 | 0.75 | ₹1.33 | |
| IndusInd Reward Points → Singapore Airlines KrisFlyer → Marriott Bonvoy legs 4:1 · 4:3 IndusInd PIONEER Private: 1.33:1 · IndusInd Pioneer Heritage: 2.67:1 · IndusInd Pinnacle World: 2.67:1 · IndusInd Pioneer Legacy: 2.67:1 ⚠ min 3,000 miles · cap 250,000 miles per calendar year | 5.33:1 | 0.19 | ₹4.27 |
03 · Already holding hotel or partner points?
12 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 |
|---|---|---|---|---|---|
| Club ITC CAP HALVED 1-May-2026: 5,000 GP/quarter (was 10,000), 20k/yr — 30,000 Bonvoy points a year is the whole ceil… ⚠ 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) | 2:3 (a month or more) | 1.50 | ₹0.67 | 8–10 weeks | |
| Alaska Airlines Atmos Rewards The corridor everyone (us included) buried with HawaiianMiles: Marriott's official miles-to-points table lis… ⚠ min not published | 1:1 | 1.00 | ₹1.00 | — | |
| United MileagePlus A top ratio, gated behind US-centric elite status few Indians hold — requires United Premier Silver status o… ⚠ cap 50,000 miles per calendar year; requires United Premier Silver status or above | 1:1 | 1.00 | ₹1.00 | — | |
| Air Canada Aeroplan 1:1 but requires Aeroplan Elite status. ~65% retained — and Aeroplan is HDFC-reachable at 2:1, so feeding Bo… ⚠ min 500 points · cap requires Aeroplan Elite Status | 1:1 | 1.00 | ₹1.00 | — | |
| ANA Mileage Club 1:1 confirmed on Marriott's own miles-to-points table 2026-08-05 — but it is the ONE row Marriott footnotes … | 1:1 | 1.00 | ₹1.00 | — | |
| Singapore Airlines KrisFlyer CORRECTED 2026-08-05 from 2:1 — Singapore Airlines' own page prints "With every 4 KrisFlyer miles you conver… ⚠ min 3,000 miles · cap 250,000 miles per calendar year | 4:3 (a month or more) | 0.75 | ₹1.47 | in most cases up to eight weeks | |
| Japan Airlines Mileage Bank ₹4.40 of JAL miles → ₹1.95 of Bonvoy (44%). JAL's hard 36-month expiry makes this the least-mad of the onewo… | 4:3 | 0.75 | ₹1.47 | — | |
| Emirates Skywards 48% of house value retained (₹2.70 of Skywards → ₹1.30 of Bonvoy) — second only to the three 1:1 rows, and t… ⚠ min 3,000 miles · cap 100,000 miles per transaction | 3:2 (1–2 days) | 0.67 | ₹1.35 | ~48 hours | |
| Ethiopian ShebaMiles Live 24-Mar-2026 — the newest of Bonvoy's inbound miles-to-points partners. ₹2.00 of ShebaMiles → ₹0.65 of B… | 2:1 | 0.50 | ₹2.00 | — | |
| Avios (BA / Qatar / Finnair) Via the Qatar Airways Privilege Club wallet only (BA has no such feature); main member only, Bonvoy account … ⚠ min 1,000 Avios · cap 500,000 Avios/member/day | 2:1 (a month or more) | 0.50 | ₹2.00 | within 8 weeks | |
| Cathay Asia Miles 25% retained at house values. Asia Miles' 18-month activity clock is easy to reset — rescue rarely needed. R… ⚠ min 2,000 miles | 2:1 | 0.50 | ₹2.00 | — | |
| Flipkart SuperCoins Two-way since ~Aug-2025 (reverse Marriott→SuperCoins throttled to 3,000 pts/transfer Dec-2025). RATIO is sti… | 2:1 | 0.50 | ₹0.80 | in-app |
Miles/pt = Marriott Bonvoy 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. Cards saved in your wallet are highlighted automatically.
Straight answers
The questions people actually type about moving points into Marriott Bonvoy — answered from the same rows as the tables above, with the same numbers.
How long do HSBC Reward Points → Marriott Bonvoy transfers take?
Instantly, or within 1 business day. HSBC Reward Points converts at 1:1, so one point becomes 1.00 Marriott Bonvoy points, worth ₹0.65 at our house mark. 7 cards on this currency can ride it, and HSBC Premier (Metal) 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 → Marriott Bonvoy transfers take?
24–48 hours (SLA 5 working days). Amex Membership Rewards converts at 1:1, so one point becomes 1.00 Marriott Bonvoy points, worth ₹0.65 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.
How long do HDFC Reward Points → Marriott Bonvoy transfers take?
24 hours. HDFC Reward Points converts at 2:1, so one point becomes 0.50 Marriott Bonvoy points, worth ₹0.33 at our house mark. 4 cards on this currency can ride it, and HDFC Infinia Metal 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 Kotak Air Miles → Marriott Bonvoy transfers take?
Not published. Kotak Air Miles states no transfer window for Marriott Bonvoy and we will not invent one. What we do hold: the route runs at 3:1, one point becomes 0.33 Marriott Bonvoy points, and Kotak Air+ Prime is the highest-ranked of 4 that can ride it. Assume multi-day, and never book the paid half of a trip against miles that have not landed.
What's the best ratio into Marriott Bonvoy?
1:1 from HSBC Reward Points, on HSBC Premier (Metal) (ranked #7). One point becomes 1.00 Marriott Bonvoy points — ₹0.65 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 Marriott Bonvoy points expire?
Yes — activity-based — forfeited after 24 months without earning activity. That clock runs on the balance sitting in Marriott Bonvoy, 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 Marriott Bonvoy?
Amex Membership Rewards: 100 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. HSBC Reward Points · HDFC Reward Points · Kotak Air Miles publish 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: Club ITC min 2,000 Green Points, then multiples of 100 (ITC official) · Alaska Airlines Atmos Rewards min not published · Air Canada Aeroplan min 500 points, and 4 more on the rows above.