Credit card points · transfer partners · ₹ value

Points Desk

Your card points balances, ranked against every transfer partner each card allows. Ratios checked 25 Sep 2026, including Axis's 23 Sep reshuffle.

Best-case worth, all cards
₹0

Read balances from Gmail

Searches statement and reward emails from Axis, HDFC and Amex, then reads each balance out of them.
Change the Gmail search, or paste an email or SMS instead

Choosing a card if you travel once a year

What each open card earns you in a year after its fee, used for your best flight or your best hotel. Change the spend to match yours.

Where your points can take you

One-way award flights from India and hotel nights, priced in partner points. "You can book" counts all your cards that transfer to that partner. Tap a trip for the full how-to.

Which card to use for each partner

Partner points you get per 1 card point. Highlighted cell is the card that gives the most for that partner.

Edit what a partner point is worth to you (₹)

These are typical values for good award redemptions, not cash value. Change any of them to match how you book.

About the numbers

Axis caps are per calendar year per customer: Atlas 30,000 Group A / 1,20,000 Group B; Magnus for Burgundy 2,00,000 / 8,00,000; Magnus 1,00,000 / 4,00,000. Values here assume the full cap is still open.
Axis changed ratios again on 23 Sep 2026 (BA, Cathay, Finnair, Qatar, Vietnam and Accor now convert at the lower rate). Check the ratio on the bank's portal before every transfer; transfers can't be reversed.
Award prices are the lowest (saver / off-peak) one-way prices seen in 2026. Seats at that price are limited, taxes and fuel surcharges are extra, and airlines change charts without notice. Find the seat on the airline's site first, then transfer.
Card facts (fees, earn rates, milestones) checked 25 Sep 2026: HSBC TravelOne · Axis Horizon · Amex Platinum Travel (Sept 2026) · Scapia · Atlas closed to new applicants. HSBC and Horizon direct-redemption values are estimates.
Sources: Card Express (Axis, 23 Sep) · Live From A Lounge · Magnify (Axis groups, caps) · PointsMath (HDFC, 15 Aug) · Magnify (Amex, 18 Aug)