Transfer desk · by program
Feeding Vietnam Airlines LotusSmiles from India
Every way in — 16 direct card routes, 5 chains via intermediaries, 1 partner-balance hop — 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 Vietnam Airlines LotusSmiles hub →
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 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 | |
| Axis Atlas #2 | 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 | |
| Axis Horizon #33 | Axis EDGE Miles | 2:1 | 0.50 | ₹0.50 | 2–3 days | |
| Axis Magnus for Burgundy #3 | Axis EDGE Reward Points | 5:2 | 0.40 | ₹0.40 | 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 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 Vietnam Airlines LotusSmiles, 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 |
|---|---|---|---|---|
| Kotak Air Miles → Accor Live Limitless (ALL) → Vietnam Airlines LotusSmiles legs 2:1 · 3:2 ⚠ min 3,000 pts | 3:1 | 0.33 | ₹3.00 | |
| Amex Membership Rewards → Avios (BA / Qatar / Finnair) → Accor Live Limitless (ALL) → Vietnam Airlines LotusSmiles legs 2:1 · 7:2 · 3:2 ⚠ Avios (BA / Qatar / Finnair): min 3,500 Avios (inferred from the published block) · Accor Live Limitless (ALL): min 3,000 pts | 10.5:1 | 0.10 | ₹5.25 | |
| RBL Reward Points → Club ITC → Marriott Bonvoy → Avios (BA / Qatar / Finnair) → Accor Live Limitless (ALL) → Vietnam Airlines LotusSmiles legs 3:1 · 2:3 · 3:1 · 7:2 · 3:2 · 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 · Avios (BA / Qatar / Finnair): min 3,500 Avios (inferred from the published block) · Accor Live Limitless (ALL): min 3,000 pts | 25.2:1† | 0.04 | ₹6.30 | |
| RBL Reward Points (Nova/Lumière) → Club ITC → Marriott Bonvoy → Avios (BA / Qatar / Finnair) → Accor Live Limitless (ALL) → Vietnam Airlines LotusSmiles legs 1:1 · 2:3 · 3:1 · 7:2 · 3:2 · rbl-lumiere/rbl-nova only RBL Nova: 16.8:1 ⚠ 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 · Avios (BA / Qatar / Finnair): min 3,500 Avios (inferred from the published block) · Accor Live Limitless (ALL): min 3,000 pts | 8.4:1† | 0.12 | ₹8.40 | |
| IndusInd Reward Points → Singapore Airlines KrisFlyer → Accor Live Limitless (ALL) → Vietnam Airlines LotusSmiles legs 10:3 · 9:2 · 3:2 IndusInd Pioneer Heritage: 13.5:1 · IndusInd Pinnacle World: 13.5:1 · IndusInd Legend: 27:1 ⚠ Singapore Airlines KrisFlyer: min 4,500 miles · cap 180,000 miles per calendar year · Accor Live Limitless (ALL): min 3,000 pts | 22.5:1 | 0.04 | ₹18.00 |
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 → 2,000 Lotusmiles; newer partner. ⚠ min 3,000 pts | 3:2 | 0.67 | ₹3.23 | up to 6 weeks |
Miles/pt = Vietnam Airlines LotusSmiles 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.