Points to programmes / 7 matches
Cards whose bank rewards can move into airline or hotel loyalty programmes.
A large partner count is useful only when the transfer ratio and your preferred programme align.
HSBC Bank
Why it qualifies
20 airline and hotel programmes, mostly at 1:1
Partner ratios vary and can change.
Card highlights
Axis Bank
Why it qualifies
27 transfer programmes: most 5:4, selected partners 5:2
Accor, BA, Cathay, Finnair, Qatar, Vietnam and standard IndiGo use 5:2; introductory IndiGo promo is temporary. Burgundy and annual group caps apply.
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Axis Bank
Why it qualifies
Most airline and hotel partners convert at 1 EDGE Mile to 2 partner points
Annual transfer limits apply.
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HDFC Bank
Why it qualifies
Airline and hotel transfer partners with premium redemption value
Partner-specific ratios and caps apply.
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HDFC Bank
Why it qualifies
Airline and hotel transfer partners with up to Rs 1-per-point travel value
Transfer ratios and monthly reward caps apply.
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American Express
Why it qualifies
Airline and hotel transfers through the India Membership Rewards catalogue
Current partner availability, ratios and minimums require the signed-in India account; global US terms do not certify India transfers.
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HDFC Bank
Why it qualifies
Transfer options including Accor and airline partners
Ratios vary by programme.
Card highlights
These matches use published earn rules and exclude known zero-earn categories. Merchant category codes, caps, payment routes and issuer changes still control the final reward. Each card detail page includes its current exclusion list and official source.
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