Airmiles & Hotel Loyalty Programs Decoded
Stop losing value to opaque award charts and punitive transfer limits. We mathematically audit global and domestic loyalty programs for Indian credit cardholders.
Compare points transfers from your cards
Use the transfer matrix to compare recorded routes, estimated values and transfer limits. Check the bank’s current terms before transferring.
Start with a guide
Understand transfers and point values, then explore the program that fits your travel plans.
Transfer Ratio & Partner Math
Which card feeds which airline or hotel at what ratio — the canonical reference for HDFC Infinia, Axis Atlas, ICICI Emeralde, Amex MR and SBI Aurum across Marriott, Singapore KrisFlyer, Air India and more.
Open Transfer Ratio Guide →Sweet Spots & Redemption Examples
Seven rupee-pegged sweet-spot redemptions across Marriott, Air India, Singapore KrisFlyer, Qatar, Hilton Honors and Emirates Skywards, with card-to-partner transfer math for HDFC Infinia, Axis Atlas, ICICI Emeralde and Amex MR.
Open Sweet Spots Guide →Reward Point Valuation Methodology
How CredSutra mathematically values Indian credit card reward points: the redemption-channel hierarchy, two worked HDFC Infinia & IDFC FIRST examples, and the verified per-program rupee peg.
Open Valuation Methodology →Active Decision Workspaces
Compare airline and hotel programs, then open a workspace for valuations, transfer routes and redemption examples.
Accor Live Limitless (ALL)
2,000 ALL Points = €40.00 Flat (~₹2.00–₹2.18 per point at current EUR/INR exchange rates)
Air Canada Aeroplan
Distance-and-zone based hybrid award chart. Global partner redemptions with 5,000-point stopovers and zero fuel surcharges deliver ₹1.40–₹1.90/point. Direct Air Canada metal yields ₹0.90–₹1.30/point.
Air India Maharaja Club
Merged Flying Returns & Club Vistara award chart. Domestic saver flights yield ₹0.60–₹0.85/pt; Non-stop transatlantic and UK routes yield up to ₹0.95/pt.
British Airways Executive Club
Distance-based award chart pegged to British Pound (GBP). Direct UK flights and short-haul Oneworld partner hops yield ₹1.20–₹1.70/Avios.
Cathay Pacific Asia Miles
Distance-based Oneworld award charts. Non-stop DEL/BOM/BLR to Hong Kong in Business yields ₹1.20–₹1.50/mile. Transpacific connections to US West Coast and Japan yield up to ₹1.60/mile.
Club ITC / ITC OneHarmony
Strictly pegged: 1 Club ITC Green Point = flat ₹1.00 cash settlement on room stays, dining, and spa services with zero devaluation risk.
Emirates Skywards
Zonal and distance-based Emirates award charts. Upgrades from Economy Flex to Business Class on India–Dubai routes yield ₹1.20–₹1.50/mile. Direct redemptions deliver baseline ₹0.80–₹1.00/mile.
Etihad Guest
Distance-based Etihad and partner award charts. Short-haul BOM/DEL to Abu Dhabi Business Class yields ₹1.20–₹1.50/mile. Partner awards on American Airlines yield up to ₹1.60/mile.
Flying Blue (Air France-KLM)
Dynamic pricing with monthly Promo Rewards (25–50% discount). Economy redemptions yield ₹0.85–₹1.10/mile; Promo Reward Business Class yields ₹1.40–₹1.80/mile.
Hilton Honors
Dynamic hotel award pricing. Aspirational luxury redemptions (Conrad, Waldorf Astoria) with 5th Night Free yield ₹0.50–₹0.60/point. Baseline domestic city stays yield ₹0.35–₹0.45/point.
Marriott Bonvoy
Dynamic pricing model. Standard domestic properties yield ₹0.65–₹0.75/pt; Luxury properties and 5th-Night-Free redemptions yield ₹0.95–₹1.15/pt.
Qatar Airways Privilege Club
Distance-based Avios currency with 1:1 cross-transferability to British Airways. Qsuite Business Class redemptions yield ₹1.70–₹2.10/Avios.
Singapore Airlines KrisFlyer
Distance-based Saver award charts. Economy saver redemptions yield ₹0.90–₹1.10/mile; Business Class long-haul on SQ metal yields ₹1.80–₹2.20/mile.
Tata Neu / Taj NeuPass
Strict monetary parity: 1 NeuCoin = flat ₹1.00 room bill settlement with zero blackout dates across Taj, Vivanta, SeleQtions, Ginger, Air India flights, Croma, and BigBasket.
Turkish Airlines Miles&Smiles
Zonal Star Alliance award charts. Business Class from India to Europe is 45,000 miles (yielding ₹1.40–₹1.80/mile). Domestic USA on United yields ₹1.20–₹1.50/mile.
Virgin Atlantic Flying Club
Distance-based Virgin Atlantic award charts and partner charts. Non-stop DEL/BOM/BLR to London Heathrow yields ₹1.20–₹1.60/pt. Partner awards on ANA Business/First class yield up to ₹2.20/pt.