Rewards calculators
See what your credit-card points are really worth in miles.
Free, no-signup calculators that convert Indian credit-card points and miles into airline and hotel partner currency — using transfer ratios verified from issuer sources. Pick your bank to begin.
Axis Bank
PopularEDGE Miles & EDGE Reward Points across Atlas, Magnus, Burgundy and more.
Atlas, Magnus, Burgundy, Reserve, Olympus + 6 cards
SBI Card
PopularConvert SBI Card MILES Travel Credits to airline & hotel partners — many at 1:1.
MILES ELITE, MILES PRIME, MILES
HSBC India
TravelOne & Premier reward points — mostly 1:1 to airline partners.
TravelOne, Premier
Kotak
Kotak Air Miles to airline & hotel partners across Solitaire, Air+ and Air.
Solitaire, Air+, Air
American Express
PopularMembership Rewards to airline miles and hotel points, with bonus simulation.
Membership Rewards (MR) cards
Need the full picture across every card?
The Book1A planner connects 50+ card programs, 700+ transfer routes and your real balances with live award search — beyond what a single-bank calculator shows.
How rewards calculators work
Indian banks let you move credit-card points or miles into airline and hotel loyalty programs at a fixed ratio. A 1:1 ratio moves value with no loss; a diluted ratio like 2:1 or 5:1 gives fewer partner points, so it only makes sense when the award price justifies it. These calculators apply each card’s real, issuer-verified ratio to your balance — and let you model a transfer bonus and your own per-mile value — so you can decide before making a one-way, final transfer.
Questions, answered
- What is a credit card rewards calculator?
- It is a tool that converts the points or miles you earn on a credit card into the airline miles or hotel points you would receive after a transfer. You enter your balance and card, and it shows what each loyalty partner returns at the current ratio — so you can compare before moving points.
- Which Indian bank gives the best transfer ratios?
- It depends on the card and partner. HSBC TravelOne/Premier and SBI Card MILES convert to many partners at 1:1, while Axis Atlas gives 1:2 (two partner miles per EDGE Mile) to most airlines. Kotak and Amex are often 2:1. A better ratio only matters if the award you book is worth it.
- Are these calculators free and private?
- Yes. Every calculator is free, needs no sign-up, and runs entirely in your browser — your balances are never submitted to a server. Your inputs are only kept in the page URL so you can share a result.
- Are the transfer ratios official?
- For Axis, SBI, HSBC and Kotak, yes — ratios are taken from issuer and loyalty-program sources and dated on each page. American Express is the exception: its India transfer table is shown only inside your account, so the Amex page clearly labels its figures as estimates. Programs change ratios, caps and partners without notice, so always confirm the live rate in your issuer portal before transferring.