Find the booking first
Award space, taxes, passenger names and cancellation terms matter more than a clean transfer ratio.
Transfer partner guides
Find the transfer path before moving points.
Compare route guides, ratios and booking checks. Use the planner for exact transfer math when an award is ready.
Source-backed transfer partners
Frequently checked routes
Start with these guide pages when you are comparing a card program against an airline or hotel partner.
Atlas AirAsiaAxis1:2Up to 10 working days
Atlas AeroplanAxis1:2Up to 1 working day
Infinia Maharaja ClubHDFC2:1Up to 2-4 working days
Infinia Accor ALLHDFC2:1Timing varies
Platinum Charge Marriott BonvoyAmex1:1Up to 3-5 working days
Solitaire Maharaja ClubKotak1:1Up to 3 working daysSolitaire Etihad GuestKotak2:1Timing varies
Emeralde Private Metal Maharaja ClubICICI1:1Up to 5 working days
TravelOne Maharaja ClubHSBC1:1Up to 5 working daysTravelOne AirAsiaHSBC1:3Instant or within 1 working dayIssuer guide pages
These public pages are meant for shareable route research. The logged-in planner carries the complete working catalog.
Axis
11 card programs with 253 public route guides.
View issuer guideHSBC
2 card programs with 40 public route guides.
View issuer guide
SBI Card
6 card programs with 78 public route guides.
View issuer guideHDFC
3 card programs with 9 public route guides.
View issuer guideICICI
2 card programs with 2 public route guides.
View issuer guideKotak
4 card programs with 30 public route guides.
View issuer guide
IndusInd
6 card programs with 13 public route guides.
View issuer guideRBL
2 card programs with 2 public route guides.
View issuer guideFederal
2 card programs with 2 public route guides.
View issuer guide
Jupiter
1 card programs with 1 public route guides.
View issuer guideDBS
3 card programs with 3 public route guides.
View issuer guideUnion Bank
3 card programs with 3 public route guides.
View issuer guidePNB
2 card programs with 2 public route guides.
View issuer guideAmex
5 card programs with 5 public route guides.
View issuer guideCentral Bank of India
1 card programs with 1 public route guides.
View issuer guideKarur Vysya Bank
1 card programs with 1 public route guides.
View issuer guideSouth Indian Bank
1 card programs with 1 public route guides.
View issuer guideCard program guides
If you already know the card program, jump straight to the partner list and transfer math for that source.
SBI Card MILESSBI Card25 routesSBI Card MILES PRIMESBI Card25 routesSBI Card MILES ELITESBI Card25 routesAxis Burgundy Private The One MetalAxis23 routesAxis Magnus BurgundyAxis23 routesAxis ReserveAxis23 routesAxis MagnusAxis23 routesAxis SelectAxis23 routesAxis PrivilegeAxis23 routesAxis RewardsAxis23 routesAxis OlympusAxis23 routesAxis AtlasAxis23 routesAxis HorizonAxis23 routesAxis IndianOil PremiumAxis23 routesHSBC TravelOne Credit CardHSBC20 routesHSBC Premier Credit CardHSBC20 routesKotak Air+Kotak11 routesKotak SolitaireKotak9 routesWhat matters before transfer
Move only what you need
Run the cap, bonus and partner-point output before sending points out of the issuer portal.
Use the app for the full catalog
The planner connects transfer routes with saved balances, award search and card strategy in one workflow.
Transfer questions, answered
- What is a credit card transfer partner?
- A transfer partner is an airline or hotel loyalty program that accepts points moved from a credit-card rewards program. You convert card points into the partner's miles or points, then redeem them for flights or hotel stays.
- Which Indian banks let you transfer credit card points to airlines?
- These source-backed guides currently cover Axis, HSBC, SBI Card, HDFC, ICICI, Kotak, IndusInd, RBL, Federal, Jupiter, DBS, Union Bank, PNB, Amex, Central Bank of India, Karur Vysya Bank, South Indian Bank — 55 cards and 446 routes into 34 airline and hotel partners. More issuers are added as official ratio tables are verified.
- Are credit card transfer ratios always 1:1?
- No. Ratios vary by card and partner. A 1:1 or better ratio moves points with no loss; diluted ratios like 2:1 or 5:4 give you fewer partner points, so they only make sense when the award price justifies the move.
- Can I transfer airline miles back to my credit card?
- No. Card-to-partner transfers are one-way and final. Only move the exact points you need for a booking you are ready to make.
- How do I get the most value from a points transfer?
- Confirm the award seat or room first, calculate the exact points needed, verify your loyalty account, then transfer only when you are ready to book. The value comes from the redemption, not the transfer ratio alone.