Cards

Your card arsenal

Every premium Indian card — transfer ratios, partners, and optimal redemption paths.

Ultra Premium

HDFC Infinia

HDFC Bank · Reward Points

Best CPP

₹2.10/pt

Annual Fee

₹12,500

₹2.1

Best CPP

₹0.5

Base CPP

4.2×

Multiplier

₹13K

Annual Fee

5 RP / ₹100 earn rate. Transfers 1:1 to all major programmes. The benchmark card for India.

KrisFlyerFlying BlueAeroplan

Which card for which goal?

Goal

Singapore Airlines Business Class

1:1 to KrisFlyer — no ratio loss. 55K miles for BOM→SIN Business = ₹2.1L value.

Use this

HDFC Infinia or HSBC Premier

Goal

Flying Blue Flash Sale (DEL→CDG)

5:4 to Flying Blue + stacks with Flash Sale promo. 12K miles for ~₹35K = ₹2.9/pt.

Use this

Axis Magnus Burgundy

Goal

Canada via Aeroplan (BOM→YYZ)

Aeroplan 1:1 from Infinia. Axis gives 1:2 bonus ratio (best in class). 70K miles for Business.

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HDFC Infinia or Axis Atlas

Goal

Marriott / Hyatt Hotels

1:1 Marriott Bonvoy from both. Hyatt via Amex transfer chain.

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SBI Aurum or HDFC Infinia

Goal

Simple statement credit / flexibility

Worst CPP (₹0.35–0.50/pt) but zero effort. Use only for small balances < 5K pts.

Use this

Any card — lowest CPP option

Transfer ratios

From CardTo PartnerRatioCPP

HDFC InfiniaKrisFlyer1:1

₹2.10

HDFC InfiniaFlying Blue1:1

₹1.90

HDFC InfiniaAeroplan1:1

₹1.85

HDFC InfiniaMarriott Bonvoy1:1

₹0.90

Axis AtlasKrisFlyer5:2

₹1.68

Axis AtlasAeroplan1:2

₹1.85

Axis AtlasQatar Privilege1:2

₹1.95

Axis Magnus (Burgundy)Flying Blue5:4

₹1.92

Axis Magnus (Burgundy)Aeroplan5:4

₹1.88

Amex Platinum TravelBA Avios2:1

₹1.60

Amex Platinum TravelMarriott Bonvoy1:1.25

₹0.95

HSBC PremierKrisFlyer1:1

₹2.10

HSBC PremierFlying Blue1:1

₹1.90

HSBC PremierEtihad Guest1:1

₹1.50

SBI AurumMarriott Bonvoy1:1

₹0.90

SBI AurumHilton Honors1:2

₹0.85

* Effective CPP accounts for transfer ratio. Verified March 2026. Always confirm current rates before transferring — they can change.