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Transfer Partners

Every airline and hotel transfer partner for Indian cards — ratios, timelines and value.

Reward Points

HDFC Bank

InfiniaDiners BlackRegalia Gold (select)
PartnerTypeRatioTimelineValueSweet SpotRating
Singapore KrisFlyer✈ Airline1:124-48 hoursRs.1.6-2.0/ptDEL-SIN business class for 45,000 miles★★★★★
Turkish Miles&Smiles✈ Airline1:124-48 hoursRs.1.0-1.5/ptDEL-IST-NRT J class — fixed zone pricing★★★★★
Marriott Bonvoy🏨 Hotel1:13-5 daysRs.0.8-1.2/ptCat 1-4 India hotels — 7,500-25,000 pts★★★★☆
Air France KLM Flying Blue✈ Airline1:124-48 hoursRs.0.8-1.2/ptIndia-Europe via CDG/AMS promo awards★★★☆☆
Taj InnerCircle🏨 Hotel1:13-5 daysRs.0.6-1.0/ptTaj Safaris and resort properties★★★☆☆
Singapore KrisFlyer★★★★★
✈ Airline1:1
Value Rs.1.6-2.0/ptTimeline 24-48 hours
DEL-SIN business class for 45,000 miles
Turkish Miles&Smiles★★★★★
✈ Airline1:1
Value Rs.1.0-1.5/ptTimeline 24-48 hours
DEL-IST-NRT J class — fixed zone pricing
Marriott Bonvoy★★★★☆
🏨 Hotel1:1
Value Rs.0.8-1.2/ptTimeline 3-5 days
Cat 1-4 India hotels — 7,500-25,000 pts
Air France KLM Flying Blue★★★☆☆
✈ Airline1:1
Value Rs.0.8-1.2/ptTimeline 24-48 hours
India-Europe via CDG/AMS promo awards
Taj InnerCircle★★★☆☆
🏨 Hotel1:1
Value Rs.0.6-1.0/ptTimeline 3-5 days
Taj Safaris and resort properties
EDGE Miles

Axis Bank

Magnus BurgundyReserveAtlas
⚠ Axis removed Accor, Marriott Bonvoy, and Qatar Airways on April 2, 2026.
PartnerTypeRatioTimelineValueSweet SpotRating
Singapore KrisFlyer✈ Airline1.33:124-48 hoursRs.1.2-1.5/ptDEL-SIN business (less efficient than HDFC due to ratio)★★★★☆
Turkish Miles&Smiles✈ Airline1:124-48 hoursRs.1.0-1.5/ptDEL-IST zone pricing — same sweet spot as HDFC★★★★★
Air France KLM Flying Blue✈ Airline1:124-48 hoursRs.0.8-1.2/ptParis/Amsterdam routes — check monthly promo awards★★★☆☆
Air India Flying Returns✈ Airline1:124-48 hoursRs.0.5-0.8/ptPost-Vistara merger — Air India domestic and international★★☆☆☆
British Airways Avios✈ Airline2:124-48 hoursRs.0.6-1.0/ptShort-haul European hops from London★★★☆☆
Vietnam Airlines Lotusmiles✈ Airline2:13-5 daysRs.0.5-0.8/ptStar Alliance partner awards — niche use★★☆☆☆
Singapore KrisFlyer★★★★☆
✈ Airline1.33:1
Value Rs.1.2-1.5/ptTimeline 24-48 hours
DEL-SIN business (less efficient than HDFC due to ratio)
Turkish Miles&Smiles★★★★★
✈ Airline1:1
Value Rs.1.0-1.5/ptTimeline 24-48 hours
DEL-IST zone pricing — same sweet spot as HDFC
Air France KLM Flying Blue★★★☆☆
✈ Airline1:1
Value Rs.0.8-1.2/ptTimeline 24-48 hours
Paris/Amsterdam routes — check monthly promo awards
Air India Flying Returns★★☆☆☆
✈ Airline1:1
Value Rs.0.5-0.8/ptTimeline 24-48 hours
Post-Vistara merger — Air India domestic and international
British Airways Avios★★★☆☆
✈ Airline2:1
Value Rs.0.6-1.0/ptTimeline 24-48 hours
Short-haul European hops from London
Vietnam Airlines Lotusmiles★★☆☆☆
✈ Airline2:1
Value Rs.0.5-0.8/ptTimeline 3-5 days
Star Alliance partner awards — niche use
Membership Rewards

American Express

Platinum TravelMRCCGold Charge
PartnerTypeRatioTimelineValueSweet SpotRating
British Airways Avios✈ Airline1:12-3 daysRs.1.2-1.8/ptIndia-UK via BA partner awards — strong value★★★★☆
Marriott Bonvoy🏨 Hotel1:13-5 daysRs.0.7-1.2/ptThen transfer Marriott to Air India at 3:1 with 25% bonus★★★☆☆
Taj InnerCircle🏨 Hotel1:13-5 daysRs.0.6-1.0/ptTaj luxury properties and Safaris★★★☆☆
Air Canada Aeroplan✈ Airline1:12-3 daysRs.1.0-1.5/ptStar Alliance awards including Singapore Airlines★★★★☆
Hilton Honors🏨 Hotel1:33-5 daysRs.0.4-0.6/ptCat 1-3 Hilton properties in India + Asia★★☆☆☆
British Airways Avios★★★★☆
✈ Airline1:1
Value Rs.1.2-1.8/ptTimeline 2-3 days
India-UK via BA partner awards — strong value
Marriott Bonvoy★★★☆☆
🏨 Hotel1:1
Value Rs.0.7-1.2/ptTimeline 3-5 days
Then transfer Marriott to Air India at 3:1 with 25% bonus
Taj InnerCircle★★★☆☆
🏨 Hotel1:1
Value Rs.0.6-1.0/ptTimeline 3-5 days
Taj luxury properties and Safaris
Air Canada Aeroplan★★★★☆
✈ Airline1:1
Value Rs.1.0-1.5/ptTimeline 2-3 days
Star Alliance awards including Singapore Airlines
Hilton Honors★★☆☆☆
🏨 Hotel1:3
Value Rs.0.4-0.6/ptTimeline 3-5 days
Cat 1-3 Hilton properties in India + Asia
Reward Points

HSBC

TravelOnePremier
PartnerTypeRatioTimelineValueSweet SpotRating
Singapore KrisFlyer✈ Airline1:124-48 hoursRs.1.6-2.0/ptBest value transfer — same as HDFC without ratio penalty★★★★★
British Airways Avios✈ Airline1:124-48 hoursRs.1.2-1.8/ptIndia-UK routing and partner awards★★★★☆
Cathay Pacific Asia Miles✈ Airline1:124-48 hoursRs.1.2-1.6/ptHong Kong hub — good for Asia travel★★★★☆
Air France KLM Flying Blue✈ Airline1:124-48 hoursRs.0.8-1.2/ptMonthly promo awards on Europe routes★★★☆☆
Malaysia Airlines Enrich✈ Airline1:12-3 daysRs.0.8-1.2/ptKL hub — good for Southeast Asia travel★★★☆☆
Marriott Bonvoy🏨 Hotel1:13-5 daysRs.0.8-1.2/ptCat 1-4 India Marriott properties★★★★☆
IHG Rewards🏨 Hotel1:13-5 daysRs.0.5-0.8/ptInterContinental and Holiday Inn properties★★☆☆☆
Singapore KrisFlyer★★★★★
✈ Airline1:1
Value Rs.1.6-2.0/ptTimeline 24-48 hours
Best value transfer — same as HDFC without ratio penalty
British Airways Avios★★★★☆
✈ Airline1:1
Value Rs.1.2-1.8/ptTimeline 24-48 hours
India-UK routing and partner awards
Cathay Pacific Asia Miles★★★★☆
✈ Airline1:1
Value Rs.1.2-1.6/ptTimeline 24-48 hours
Hong Kong hub — good for Asia travel
Air France KLM Flying Blue★★★☆☆
✈ Airline1:1
Value Rs.0.8-1.2/ptTimeline 24-48 hours
Monthly promo awards on Europe routes
Malaysia Airlines Enrich★★★☆☆
✈ Airline1:1
Value Rs.0.8-1.2/ptTimeline 2-3 days
KL hub — good for Southeast Asia travel
Marriott Bonvoy★★★★☆
🏨 Hotel1:1
Value Rs.0.8-1.2/ptTimeline 3-5 days
Cat 1-4 India Marriott properties
IHG Rewards★★☆☆☆
🏨 Hotel1:1
Value Rs.0.5-0.8/ptTimeline 3-5 days
InterContinental and Holiday Inn properties

5 rules before you transfer

Never transfer speculatively: Only transfer when you have confirmed award space. Transfers are one-way and irreversible. Seats disappear — miles don't return.
Check award availability first: Search the airline's website for availability before transferring. For partner awards, call the airline directly.
Wait for transfer bonuses: Banks run 20-30% transfer bonus promotions 2-4x per year. Waiting can be worth thousands of extra miles.
HDFC 1:1 to KrisFlyer beats Axis 1.33:1: To earn 1 KrisFlyer mile, you need 1 HDFC Reward Point or 1.33 Axis EDGE Miles. HDFC is more efficient for KrisFlyer specifically.
Transfers take 24-96 hours: Airlines credit instantly sometimes, sometimes up to 5 days. Factor this in for time-sensitive bookings.
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