Where can my points take me?
Pick an airline or a hotel. See which of your cards can pay, at what transfer ratio, and the steps to book. Direct links to every bank and programme
Amex Platinum travel bookings (including Fine Hotels + Resorts) are paused until 10 Oct.
HSBC Travel with Points pays 16 points per ₹100 on flights and 24 on hotels until 31 Dec 2026.
Plan a trip: which card should pay for the airline or hotel you want
Pick a country, an alliance or an airline. Each tile lists your cards that can pay for it, with the transfer ratio. Tap a tile for the full answer.
Where are you going?
Alliance
Fly Qatar Airways · business class
oneworldBook with 8 programmes
Check how many miles your exact flight costs before you move any points.
Your cards that can pay, best transfer ratio first
1HSBC pointsYou have 0
HSBC1 : 1
- HSBC → Qatar Avios:Instant to 1 working day
One transfer, then book Qatar Airways on Qatar Avios.
Other ways with this card (7)
- HSBC1 : 1then book on BA Avios
- HSBC1 : 1then book on Finnair Avios1 : 1
- HSBC1 : 1then book on Iberia Avios1 : 1
- HSBC1 : 1then book on JAL
- HSBC1 : 1then book on Qantas
- HSBC1 : 1then book on Asia Miles
2 : 1
- HSBC1 : 1then book on Atmos
3 : 1 + bonus
1 : 1Confirmed
HSBC points to Avios
Estimated value: ₹2.40 a point
2HDFC pointsYou have 0
HDFC1 : 11 : 1
1 : 1- HDFC → Finnair Avios:Instant to 3 days
- Finnair Avios → BA Avios:Almost instant once linked· Free. Link once; both accounts must be 30+ days old with matching name and birth date.
2 transfers, then book Qatar Airways on BA Avios (same price as Qatar, and no limit on who you book for).
Other ways with this card (7)
- HDFC1 : 1then book on Qatar Avios1 : 11 : 1
- HDFC1 : 1then book on Finnair Avios
- HDFC1 : 1then book on Iberia Avios1 : 1
- HDFC2 : 1then book on Asia Miles
- HDFC2 : 1then book on JAL2 : 1
- HDFC2 : 1then book on Atmos3 : 1 + bonus
- HDFC2 : 1then book on Qantas3 : 1 + bonus
1 : 1Confirmed
HDFC points to Avios
Estimated value: ₹2.40 a point
3Amex pointsYou have 0
Amex2 : 1
- Amex → Qatar Avios:Amex says 3–5 working days; cardholders report instant
One transfer, then book Qatar Airways on Qatar Avios.
Other ways with this card (7)
- Amex2 : 1then book on BA Avios
- Amex2 : 1then book on Finnair Avios1 : 1
- Amex2 : 1then book on Iberia Avios1 : 1
- Amex2 : 1then book on Asia Miles
- Amex1 : 1then book on Atmos3 : 1 + bonus
- Amex1 : 1then book on JAL3 : 1 + bonus
- Amex1 : 1then book on Qantas3 : 1 + bonus
2 : 1Likely
Amex points to Avios
Estimated value: ₹1.20 a point
Or spend points inside the bank
HDFC
SmartBuy flight or hotel₹1.00 per point
Any airline or hotel SmartBuy sells. The rest is charged to the card. Points pay at most 70% of a booking; 75,000 points a month.HSBC
Travel with Points portal₹1.00 per point
Fares can be 12–25% above the airline's own site, plus ₹300–700 fee per passenger per leg. HSBC calls the value 'dynamic'; ₹1 is the best reported.Or pay cash and earn
HSBC
Pay cash on Travel with Points flights32% back
16 points per ₹100 on flights: 32% if you move the points to Accor (₹2 each), 16% at the portal's ₹1. Check the fare against the airline's own site first. 18,000 bonus points a month; offer ends 31-Dec-2026.HDFC
Pay cash on SmartBuy flights (5X)16.7% back
5X points on flights booked through SmartBuy. Shared travel cap: 10,000 bonus points a month.HSBC
Pay cash direct with the airline or hotel8% back
4 points per ₹100 on airlines, hotels and travel sites: 8% if you move the points to Accor (₹2 each). 50,000 accelerated points a month.How each programme prices its award seats
Qatar Airways Privilege ClubPartly fixedQatar's own flights: route prices with off-peak and peak dates. Partner flights: a distance chart. Fixed saver seats; other seats change with demand.
What one Avios is worth
Business, Qatar Airways
₹2.40
Business, partners
₹1.40
Economy, Qatar Airways
₹1.20
Economy, partners
₹1.00
Fuel surcharges from India: low
- No fuel surcharge on Qatar award flights; fees are about ₹3,000–9,500.
- Booking for others: since 14-Sep-2026 Qatar no longer asks for flight activity first; the account must still be 30 days old. BA has no such rule.
- Avios move free between BA, Qatar, Iberia, Finnair and Aer Lingus. Both accounts must be 30+ days old.
Good redemptions
Munich → Doha → Mumbai, Qsuites (booked Apr-2026)Business
1,10,000 Avios+ ₹50,000 taxesCash ₹4,60,000
About ₹3.73 per Avios
Avios came from HDFC through Finnair and BA. Taxes are high because the trip starts in Europe; from India they are about ₹3,000–9,500.
Mumbai or Delhi → Doha → Europe, QsuitesBusiness
42,500 Avios+ ₹9,000 taxesCash about ₹1,50,000 (estimate)
About ₹3.32 per Avios
Europe–Doha Qsuites is 42,500 off-peak. Check the India price live.
Also books these airlines
Where each card's points can go
Pick a card. Its transfer partners orbit it: the inner ring is 1 : 1 or better, the outer rings lose value. Tap a partner for the ratio, rupee value, transfer time, when it was last confirmed, and direct links.
Partner list checked 26 Sep 2026 · Cardholder posts on X (latest 23-Sep-2026) and PointsMath
HDFCHDFC points0 pts
AirAsia RewardsNo alliance
1 : 11 point → 1 point
- Your points become
- 0 points
- Estimated value per card point
- ₹0.20 (1 point ≈ ₹0.20)
- Transfer time
- Instant to 3 days
- Last confirmed
- Checked 26 Sep 2026
Up to 75,000 points a month, in multiples of 100
Several reliable sources agree.
How: Log in, then Redeem → Airmiles / hotel points.
Inner ring: 1 : 1 or betterMiddle ring: Half or moreOuter ring: Less than half
Ring colour around each logo: grey Star Alliance, purple oneworld, blue SkyTeam, dark grey no alliance, lilac hotels. Tap a logo for details.
Each card's best transfers, by ratio
Ranked by the bank's own transfer ratio. When two ratios are equal, the one with the higher estimated value comes first. A ratio above 1 : 1 does not rank higher, because it buys a different kind of point.
HDFC points0 points
9
partners at 1 : 1
You can transfer at most 75,000 points a month.
- 11 : 1AviosMoves free to BA or QatarHDFC1 : 1Your points → 0 AviosEstimated value ₹2.40 a point
- 21 : 1KrisFlyerAirlineHDFC1 : 1
Your points → 0 milesEstimated value ₹1.50 a point - 31 : 1Flying BlueAirlineHDFC1 : 1
Your points → 0 milesEstimated value ₹1.30 a point
Spent inside the bank, a point is worth ₹1.00. SmartBuy flights and hotels: 1 point = ₹1, up to 70% of the booking
Avoid: estimated to be worth less than the bank pays
AirAsia 1 : 1Radisson 1 : 1IHG One 1 : 1
Amex points0 points
2
partners at 1 : 1
- 12 : 3Hilton HonorsHotelAmex2 : 3
Your points → 0 pointsEstimated value ₹1.05 a point - 21 : 1Marriott BonvoyHotelAmex1 : 1Your points → 0 pointsEstimated value ₹1.00 a point
- 35 : 4Virgin pointsAirlineAmex5 : 4
Your points → 0 pointsEstimated value ₹1.12 a point
Spent inside the bank, a point is worth ₹0.58. Gold Collection Taj voucher: 24,000 points = ₹14,000 (Gold Charge only). Paying the bill with points is ₹0.25.
HSBC points0 points
16
partners at 1 : 1
- 11 : 1AviosMoves free to BA or QatarHSBC1 : 1Your points → 0 AviosEstimated value ₹2.40 a point
- 21 : 1Maharaja ClubAirlineHSBC1 : 1
Your points → 0 pointsEstimated value ₹2.20 a point - 31 : 1Accor ALLHotelHSBC1 : 1Your points → 0 pointsEstimated value ₹2.20 a point
Spent inside the bank, a point is worth ₹1.00. Travel with Points portal (run by Hopper): about ₹1 per point
Avoid: estimated to be worth less than the bank pays
IHG One 1 : 1AirAsia 1 : 3Miles&Smiles 2 : 1
What one mile is worth in business class: an Avios ₹2.40, a Maharaja Club point ₹2.20
Not all miles are equal. A mile from a programme with a fixed chart and low fuel surcharges buys more than one from a programme whose prices change with demand.
Fixed chartPartly fixedChanges with demandFixed valueLow to high range
AviosBA, Qatar, Iberia, Finnair — best on Qatar Airways
₹2.40AviosBA, Qatar, Iberia, Finnair — best on Qatar Airways
Maharaja Clubpoints
₹2.20Maharaja Clubpoints
Atmospoints
₹2.00Atmospoints
LifeMilesmiles
₹1.90LifeMilesmiles
Aeroplanpoints
₹1.80Aeroplanpoints
MileagePlusmiles
₹1.60MileagePlusmiles
KrisFlyermiles
₹1.50KrisFlyermiles
Virgin pointspoints
₹1.40Virgin pointspoints
ANAmiles
₹1.40ANAmiles
JALmiles
₹1.40JALmiles
Asia Milesmiles
₹1.40Asia Milesmiles
Flying Bluemiles
₹1.30Flying Bluemiles
Etihad Guestmiles
₹1.30Etihad Guestmiles
Miles&Smilesmiles
₹1.30Miles&Smilesmiles
EVAmiles
₹1.30EVAmiles
Skywardsmiles
₹1.20Skywardsmiles
Qantaspoints
₹1.20Qantaspoints
Royal Orchidmiles
₹1.20Royal Orchidmiles
Lotusmilesmiles
₹1.10Lotusmilesmiles
AirAsiapoints
₹0.20AirAsiapoints
Rupees one mile or point buys when you redeem it well. This is the value of the mile itself, before any bank transfer ratio.
You hold 0 elite tiers; 0 can be matched elsewhere; 7 still to claim
What each tier gets you, where it comes from, and where you can use it to get status in another programme. Benefits you have not claimed come first.
Marriott BonvoyGold EliteFrom the Amex Platinum Charge
- 25% bonus points
- 2 pm late checkout
- Better room when available
- Welcome points (250–500)
- No breakfast, no lounge
Can be matched to
→ Kenya Airways Asante: Gold Elite Plus (SkyTeam Elite Plus: lounges, priority)Apply at kenya-airways.statusmatch.com. Fee about US$299. Lasts 12 months.
→ Wyndham Rewards: Platinum or DiamondWyndham status-match form. 90-day trial; stay to keep it.
Hilton HonorsGoldFrom the Amex Platinum Charge
- Breakfast for two outside the US (select brands)
- 80% bonus points
- Upgrade when available
- 5th award night free
Can be matched to
→ Kenya Airways Asante: Gold Elite PlusApply at kenya-airways.statusmatch.com.
→ Wyndham, Choice, Best Western, Sonesta: Mid tiersEach chain's own status-match form, with a screenshot of your Hilton Gold.
Accor Live LimitlessSilver (through Accor Plus Explorer)From the Amex Platinum Charge
- Accor Plus: up to 15% off room rates
- Up to 30% off food in Asia-Pacific
- Late checkout when available
- Valid to 27-Feb-2027
Can be matched to
→ Kenya Airways Asante: Silver Elite PlusApply at kenya-airways.statusmatch.com.
Taj InnerCircle NeuPassEpicure PlusFrom the Amex Platinum Charge
- 25% off dining
- 20% off spa
- 20% off room stays (twice)
- No free night in the Amex version
- Valid to 31-Dec-2026
Can be matched to
→ oneworld (Taj–oneworld link from 3-Jun-2026): Ruby / Sapphire for NeuPass tiersNeeds a oneworld airline account. Enrolment steps not yet published.
Radisson RewardsPremiumFrom the Amex Platinum Charge
- Room upgrade when available
- Early check-in and late checkout when available
- Bonus points
Marriott BonvoyClub Marriott (dining discount, not Bonvoy status)From the HDFC Diners Club Black Metal
- About 20% off food and stays at Asia-Pacific Marriotts
- Welcome benefit only: needs ₹1.5 lakh spend in 90 days
Club ITCGoldHeld since Jan-2026; source not found
- Bonus Green Points on ITC stays and dining
- Upgrade vouchers when offered
Miles already in your accounts
Balances found in your email. Airlines rarely email balances, so some may be out of date.
Every transfer, card by card: HSBC reaches the most programmes at 1 : 1 (18)
Each cell is the best way that card reaches that programme, directly or through up to two other programmes. Filter by alliance to see, for example, every SkyTeam programme.
Swipe sideways to see every card.
| Programme | HDFCHDFC | AmexAmex | HSBCHSBC | ICICIICICI |
|---|---|---|---|---|
Qatar Aviosoneworld · 1 Avios is worth ₹2.40 | 1 : 1via Finnair Avios, BA Avios₹2.40 a point | 2 : 1₹1.20 a point | 1 : 1₹2.40 a point | — |
BA Aviosoneworld · 1 Avios is worth ₹2.40 | 1 : 1via Finnair Avios₹2.40 a point | 2 : 1₹1.20 a point | 1 : 1₹2.40 a point | — |
Finnair Aviosoneworld · 1 Avios is worth ₹2.40 | 1 : 1₹2.40 a point | 2 : 1via BA Avios₹1.20 a point | 1 : 1via BA Avios₹2.40 a point | — |
Iberia Aviosoneworld · 1 Avios is worth ₹2.40 | 1 : 1via Finnair Avios₹2.40 a point | 2 : 1via BA Avios₹1.20 a point | 1 : 1via BA Avios₹2.40 a point | — |
Maharaja ClubStar Alliance · 1 point is worth ₹2.20 | 2 : 1₹1.10 a point | 2.4 : 1via Marriott Bonvoy₹0.92 a point | 1 : 1₹2.20 a point | 1 : 1₹2.20 a point |
Accor ALLHotel · 1 point is worth ₹2.20 | 2 : 1₹1.10 a point | — | 1 : 1₹2.20 a point | — |
KrisFlyerStar Alliance · 1 mile is worth ₹1.50 | 1 : 1₹1.50 a point | 2 : 1₹0.75 a point | 1 : 1₹1.50 a point | — |
JALoneworld · 1 mile is worth ₹1.40 | 4 : 1via Accor ALL₹0.35 a point · below bank | 2.4 : 1via Marriott Bonvoy₹0.58 a point | 1 : 1₹1.40 a point | — |
Flying BlueSkyTeam · 1 mile is worth ₹1.30 | 1 : 1₹1.30 a point | 2.4 : 1via Marriott Bonvoy₹0.54 a point · below bank | 1 : 1₹1.30 a point | — |
Etihad GuestNo alliance · 1 mile is worth ₹1.30 | 2 : 1₹0.65 a point · below bank | 2.4 : 1via Marriott Bonvoy₹0.54 a point · below bank | 1 : 1₹1.30 a point | — |
EVAStar Alliance · 1 mile is worth ₹1.30 | — | — | 1 : 1₹1.30 a point | — |
S Shangri-La CircleHotel · 1 point is worth ₹6.37 | — | — | 5 : 1₹1.27 a point | — |
Qantasoneworld · 1 point is worth ₹1.20 | 4.8 : 1via Marriott Bonvoy₹0.25 a point · below bank | 2.4 : 1via Marriott Bonvoy₹0.50 a point · below bank | 1 : 1₹1.20 a point | — |
Royal OrchidStar Alliance · 1 mile is worth ₹1.20 | 2 : 1₹0.60 a point · below bank | — | 1 : 1₹1.20 a point | — |
Virgin pointsSkyTeam · 1 point is worth ₹1.40 | 4.8 : 1via Marriott Bonvoy₹0.29 a point · below bank | 5 : 4₹1.12 a point | 2.4 : 1via Marriott Bonvoy₹0.58 a point · below bank | — |
LotusmilesSkyTeam · 1 mile is worth ₹1.10 | 1 : 1₹1.10 a point | — | 1 : 1₹1.10 a point | — |
Hilton HonorsHotel · 1 point is worth ₹0.70 | — | 2 : 3₹1.05 a point | — | — |
Marriott BonvoyHotel · 1 point is worth ₹1.00 | 2 : 1₹0.50 a point · below bank | 1 : 1₹1.00 a point | 1 : 1₹1.00 a point | — |
LifeMilesStar Alliance · 1 mile is worth ₹1.90 | 2 : 1₹0.95 a point · below bank | — | — | — |
AeroplanStar Alliance · 1 point is worth ₹1.80 | 2 : 1₹0.90 a point · below bank | 2.4 : 1via Marriott Bonvoy₹0.75 a point | 2 : 1via Accor ALL₹0.90 a point · below bank | — |
Atmosoneworld · 1 point is worth ₹2.00 | 4.8 : 1via Marriott Bonvoy₹0.42 a point · below bank | 2.4 : 1via Marriott Bonvoy₹0.83 a point | 2.4 : 1via Marriott Bonvoy₹0.83 a point · below bank | — |
MileagePlusStar Alliance · 1 mile is worth ₹1.60 | 2 : 1₹0.80 a point · below bank | 2 : 1via Marriott Bonvoy₹0.80 a point | 2 : 1₹0.80 a point · below bank | — |
Asia Milesoneworld · 1 mile is worth ₹1.40 | 2 : 1₹0.70 a point · below bank | 2 : 1₹0.70 a point | 2 : 1via Accor ALL₹0.70 a point · below bank | — |
 WyndhamHotel · 1 point is worth ₹0.67 | 1 : 1₹0.67 a point · below bank | — | 1 : 1₹0.67 a point · below bank | — |
Miles&SmilesStar Alliance · 1 mile is worth ₹1.30 | 2 : 1₹0.65 a point · below bank | 2.4 : 1via Marriott Bonvoy₹0.54 a point · below bank | 2 : 1₹0.65 a point · below bank | — |
AirAsiaNo alliance · 1 point is worth ₹0.20 | 1 : 1₹0.20 a point · below bank | — | 1 : 3₹0.60 a point · below bank | — |
SkywardsNo alliance · 1 mile is worth ₹1.20 | 4 : 1via Accor ALL₹0.30 a point · below bank | 2.4 : 1via Marriott Bonvoy₹0.50 a point · below bank | 2 : 1via Accor ALL₹0.60 a point · below bank | — |
ANAStar Alliance · 1 mile is worth ₹1.40 | 4.8 : 1via Marriott Bonvoy₹0.29 a point · below bank | 2.4 : 1via Marriott Bonvoy₹0.58 a point | 2.4 : 1via Marriott Bonvoy₹0.58 a point · below bank | — |
 IHG OneHotel · 1 point is worth ₹0.50 | 1 : 1₹0.50 a point · below bank | — | 1 : 1₹0.50 a point · below bank | — |
Club ITCHotel · 1 Green Point is worth ₹1.00 | 2 : 1₹0.50 a point · below bank | — | — | — |
RadissonHotel · 1 point is worth ₹0.38 | 1 : 1₹0.38 a point · below bank | — | — | — |
"2 : 1" means two card points make one mile. Green box: the best card for that programme, worth more than spending the points in the bank. "Below bank": worth less than the bank's own value, so avoid it. Dot colour: green confirmed, yellow likely, red not confirmed.
Direct links: move points, then book
Step 1 is on your bank's site; step 2 is on the airline or hotel site. Links open in a new tab. Most need you to log in.
1. Move your points
HDFC
HDFC Reward PointsLog in, then Redeem → Airmiles / hotel points. Partner list checked 26 Sep 2026.
Amex
Amex Membership RewardsRewards → Transfer points. Partner list checked 26 Sep 2026.
HSBC
HSBC TravelOne Reward PointsTransfers are made in the HSBC India mobile app. Partner list checked 26 Sep 2026.
ICICI
ICICI Reward Points (Sapphiro)Partner list checked 26 Sep 2026.
2. Book award seats
oneworld
Star Alliance