{"site":"https://pointsorcash.app","name":"Credit card points transfer partners","description":"Which airline and hotel programs each bank or card points currency transfers to (US banks, Amex by issuing country, Revolut and banks in Canada, Australia, Singapore, Hong Kong, India and the UAE), at what ratio, and the transfer bonuses running when the file was built.","url":"https://pointsorcash.app/open-data/transfer-partners.json","docs":"https://pointsorcash.app/open-data","generated_at":"2026-11-12T00:10:25.798Z","as_of":{"transfer_partners":"2026-11-02","transfer_bonuses":"2026-11-09"},"method":"Ratios are read from each bank's own transfer-partner pages for the country that issues the card and checked weekly; each program carries the date it was last checked. ratio is bank points : partner points as published; partner_points_per_point is the partner points one bank point becomes. alt_ratios lists other ratios for some cards (for example Citi's non-premium cards); scheduled_change is an announced change with its date. active_bonus is a confirmed temporary bonus running on generated_at; check its end date. Transfer times are typical, not guaranteed.","sources":"The banks' official transfer-partner pages (source_urls on each program). Typical transfer times are mostly from AwardWallet's crowd-sourced reports. Bonuses come from the bank's announcement or the sites listed in active_bonuses[].sources.","license":"CC BY 4.0","license_url":"https://creativecommons.org/licenses/by/4.0/","attribution":"Points or Cash (https://pointsorcash.app), with a link","counts":{"programs":43,"partners":500,"active_bonuses":11},"programs":[{"id":"amex_mr","name":"American Express Membership Rewards","kind":"credit_card_points","country":"US","checked":"2026-11-01","source_urls":["https://global.americanexpress.com/rewards/transfer","https://awardwallet.com/mile-transfer-times?program=Amex","https://thepointsguy.com/news/amex-ends-points-transfers-to-etihad-guest/","https://frequentmiler.com/leading-hotels-of-the-world-american-express-membership-rewards-transfer-partner/","https://thepointsguy.com/loyalty-programs/amex-excise-tax-offset-fees/"],"notes":"Official page lists 20 partners (16 airline, 4 hotel). Most partners: 1,000-point minimum and increments, max 999,000 per transfer. Transfers are irreversible. Transfer times are AwardWallet crowd-sourced typicals unless noted.","partners":[{"id":"avios_aerlingus","name":"Aer Lingus AerClub (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"aeromexico","name":"Aeromexico Rewards","type":"airline","ratio":"1:1.6","partner_points_per_point":1.6,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1,000 MR = 1,600 Aeromexico Rewards points."},{"id":"aeroplan","name":"Air Canada Aeroplan","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"A 25% transfer bonus ran through 2026-10-31 (expired); base ratio 1:1."},{"id":"ana","name":"ANA Mileage Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"lifemiles","name":"Avianca LifeMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"cathay","name":"Cathay Pacific Asia Miles","type":"airline","ratio":"1:0.8","partner_points_per_point":0.8,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1,000 MR = 800 Asia Miles."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Amex charges an excise tax offset fee on transfers to US airlines: $0.0006/point, max $99 per transfer."},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"1:0.8","partner_points_per_point":0.8,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1,000 MR = 800 Skywards miles (cut from 1:1 on 2025-09-16)."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"jetblue","name":"JetBlue TrueBlue","type":"airline","ratio":"1:0.8","partner_points_per_point":0.8,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"250 MR = 200 TrueBlue points; 250-point increments. Amex charges an excise tax offset fee on transfers to US airlines: $0.0006/point, max $99 per transfer."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"500-point increments (500 MR = 500 Qantas Points)."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":{"bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":"2026-11-02","ends":"2026-11-30","targeted":false},"notes":"Amex's own page estimates 48 hours; AwardWallet data shows typically immediate. Min 1,000, max 999,000, 1,000 increments."},{"id":"choice","name":"Choice Privileges","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1,000 MR = 2,000 Hilton points."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":{"bonus_pct":35,"ratio_with_bonus":"1:1.35","starts":"2026-10-20","ends":"2026-12-10","targeted":null},"notes":"Usually under an hour, but has occasionally taken days."},{"id":"lhw","name":"The Leading Hotels of the World Leaders Club","type":"hotel","ratio":"4:1","partner_points_per_point":0.25,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1,000 MR = 250 Leaders Club points. Added 2026-07-28. Transfer time not yet documented."}]},{"id":"chase_ur","name":"Chase Ultimate Rewards","kind":"credit_card_points","country":"US","checked":"2026-11-01","source_urls":["https://www.chase.com/sapphire-cards/personal/preferred","https://www.chase.com/sapphire-cards/personal/reserve","https://awardwallet.com/mile-transfer-times?program=Chase","https://thepointsguy.com/news/chase-hyatt-transfer-ratio-change/","https://frequentmiler.com/chase-slashes-hyatt-transfer-ratio-to-43/"],"notes":"Partner list and Hyatt ratio taken from the Chase Sapphire Preferred benefits page (Transfer Points panel). Only Sapphire Preferred, Sapphire Reserve, Sapphire Reserve for Business and Ink Business Preferred can transfer (Freedom/Ink Cash points must be combined into one of these first). 1,000-point increments, 1:1 except Hyatt. Chase says transfers can take up to 7 business days; times shown are typical observed (AwardWallet).","partners":[{"id":"avios_aerlingus","name":"Aer Lingus AerClub (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":{"bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":"2026-11-01","ends":"2026-12-01","targeted":false},"notes":null},{"id":"aeroplan","name":"Air Canada Aeroplan","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":{"bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":"2026-11-01","ends":"2026-12-01","targeted":false},"notes":"Chase page still calls it 'British Airways Executive Club'."},{"id":"avios_iberia","name":"Iberia Plus / Iberia Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":{"bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":"2026-11-01","ends":"2026-12-01","targeted":false},"notes":null},{"id":"jetblue","name":"JetBlue TrueBlue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Typically ~1 day."},{"id":"southwest","name":"Southwest Rapid Rewards","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"united","name":"United MileagePlus","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"ihg","name":"IHG One Rewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":{"bonus_pct":80,"ratio_with_bonus":"1:1.8","starts":"2026-11-01","ends":"2026-12-03","targeted":false},"notes":null},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"hyatt","name":"World of Hyatt","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[{"cards":["Chase Sapphire Preferred","Ink Business Preferred"],"ratio":"4:3","partner_points_per_point":0.75}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio depends on card. 1:1 for Sapphire Reserve and Sapphire Reserve for Business. 4:3 (1,000 UR = 750 Hyatt) for Sapphire Preferred and Ink Business Preferred: new CSP accounts from 2026-06-15, all CSP/IBP accounts from 2026-10-01. If an agent does not know the user's card, assume 4:3."},{"id":"wyndham","name":"Wyndham Rewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":{"bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":null,"ends":"2026-12-03","targeted":false},"notes":null}]},{"id":"capital_one","name":"Capital One Miles","kind":"credit_card_points","country":"US","checked":"2026-11-01","source_urls":["https://www.capitalone.com/learn-grow/money-management/venture-miles-transfer-partnerships/","https://awardwallet.com/mile-transfer-times?program=Capital+One","https://thepointsguy.com/guide/capital-one-transfer-partners/","https://thepointsguy.com/news/capital-one-devalues-emirates-skywards/"],"notes":"Partner table from Capital One's own guide (published 2026-01-29; no 2026 partner additions or removals found since). Transfer-eligible cards: Venture X, Venture, VentureOne, Venture X Business, Venture Business, VentureOne Business (cash-back cards only via combining). Minimum 1,000 miles; name on accounts must match. Transfers are irreversible.","partners":[{"id":"aeromexico","name":"Aeromexico Rewards","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"aeroplan","name":"Air Canada Aeroplan","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"lifemiles","name":"Avianca LifeMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"AwardWallet showed 100:120 at check time, likely a temporary transfer bonus; base 1:1."},{"id":"cathay","name":"Cathay Pacific Asia Miles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"finnair","name":"Finnair Plus (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":{"bonus_pct":20,"ratio_with_bonus":"1:1.2","starts":"2026-11-01","ends":"2026-11-30","targeted":false},"notes":null},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 2025-09-23."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"tap","name":"TAP Air Portugal Miles&Go","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"virginatlantic","name":"Virgin Red (Virgin Atlantic Flying Club)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":{"bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":"2026-10-21","ends":"2026-11-20","targeted":false},"notes":"Capital One transfers to Virgin Red; Virgin Red points move 1:1 into Virgin Atlantic Flying Club."},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"2:1.5","partner_points_per_point":0.75,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Cut from 1:1 to 2:1.5 (4:3) effective 2026-01-13."},{"id":"eva","name":"EVA Air Infinity MileageLands","type":"airline","ratio":"2:1.5","partner_points_per_point":0.75,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"jal","name":"Japan Airlines Mileage Bank","type":"airline","ratio":"2:1.5","partner_points_per_point":0.75,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 2025-09-23. New JMB accounts have a waiting period before redemption."},{"id":"jetblue","name":"JetBlue TrueBlue","type":"airline","ratio":"5:3","partner_points_per_point":0.6,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1,000 miles = 600 TrueBlue points."},{"id":"choice","name":"Choice Privileges","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"US-based Choice accounts only."},{"id":"wyndham","name":"Wyndham Rewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"iprefer","name":"I Prefer Hotel Rewards (Preferred Hotels & Resorts)","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 2025-09-23."},{"id":"accor","name":"Accor Live Limitless (ALL)","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1,000 miles = 500 ALL points."}]},{"id":"citi_ty","name":"Citi ThankYou Rewards","kind":"credit_card_points","country":"US","checked":"2026-11-01","source_urls":["https://www.thankyou.com/partnerProgramsListing.htm","https://www.citi.com/credit-cards/citi-strata-premier-credit-card","https://awardwallet.com/mile-transfer-times?program=Citi"],"notes":"Partner list and both ratio tiers read from thankyou.com Points Transfer page (rendered in browser). Premium cards (Strata Elite, Strata Premier, Prestige, AT&T Access More) get the full ratio; Strata, ThankYou Preferred, Double Cash, Custom Cash, ThankYou Mastercard and AT&T cards get 70% of it. Minimum transfer 1,000 points. Shop Your Way (non-travel) omitted.","partners":[{"id":"american","name":"American Airlines AAdvantage","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"lifemiles","name":"Avianca LifeMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"cathay","name":"Cathay Pacific Asia Miles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":{"bonus_pct":10,"ratio_with_bonus":"1:1.1","starts":"2026-10-25","ends":"2026-11-14","targeted":false},"notes":"10% transfer bonus live at check time (1,000 = 1,100) through about 2026-11-14. Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"connectmiles","name":"Copa Airlines ConnectMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Marked 'New' on thankyou.com; added in 2026 (exact date not confirmed). Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"1:0.8","partner_points_per_point":0.8,"transfer_time":null,"alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.56","partner_points_per_point":0.56}],"scheduled_change":null,"active_bonus":null,"notes":"Cut from 1:1 in July 2025. Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"eva","name":"EVA Air Infinity MileageLands","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"jal","name":"Japan Airlines Mileage Bank","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Marked 'New' on thankyou.com. Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"jetblue","name":"JetBlue TrueBlue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"thai","name":"Thai Airways Royal Orchid Plus","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club / Virgin Red","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"accor","name":"Accor Live Limitless (ALL)","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"1-2 days","alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.35","partner_points_per_point":0.35}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"choice","name":"Choice Privileges","type":"hotel","ratio":"1:1.5","partner_points_per_point":1.5,"transfer_time":null,"alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:1.05","partner_points_per_point":1.05}],"scheduled_change":null,"active_bonus":null,"notes":"Cut from 1:2 around 2026-04-19. Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"lhw","name":"The Leading Hotels of the World Leaders Club","type":"hotel","ratio":"5:1","partner_points_per_point":0.2,"transfer_time":null,"alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.14","partner_points_per_point":0.14}],"scheduled_change":null,"active_bonus":null,"notes":"1,000 TY = 200 Leaders Club points on premium cards. Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"iprefer","name":"I Prefer Hotel Rewards (Preferred Hotels & Resorts)","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:1.4","partner_points_per_point":1.4}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."},{"id":"wyndham","name":"Wyndham Rewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["Citi Strata Card","Citi ThankYou Preferred","Citi Double Cash","Citi Custom Cash","Citi ThankYou Mastercard","AT&T Points Plus / AT&T Universal / AT&T Access"],"ratio":"1:0.7","partner_points_per_point":0.7}],"scheduled_change":null,"active_bonus":null,"notes":"Ratio shown is for Citi Strata Elite / Strata Premier / Prestige / AT&T Access More."}]},{"id":"bilt","name":"Bilt Rewards","kind":"credit_card_points","country":"US","checked":"2026-11-01","source_urls":["https://support.biltrewards.com/hc/en-us/articles/19086448638989-Bilt-s-Transfer-Partners","https://thepointsguy.com/loyalty-programs/bilt-transfer-partners","https://upgradedpoints.com/credit-cards/bilt-rewards-transfer-partners/","https://awardwallet.com/mile-transfer-times?program=Bilt","https://newsroom.biltrewards.com/bilt-amtrak-partnership","https://newsroom.biltrewards.com/wyndhamrewards","https://newsroom.biltrewards.com/preferred-hotels-resorts","https://www.nerdwallet.com/travel/news/bilt-hyatt-devaluation"],"notes":"Bilt's partner list sits behind its login (bilt.com/rewards redirects to sign-in), so this list comes from Bilt newsroom announcements plus TPG (2026-10-21), Upgraded Points (2026-10-20) and AwardWallet (2026-10-31). Minimum 2,000 points for Blue members, 1,000 for Silver and above; 1,000-point increments; max 1M/day. Most transfers arrive within minutes.","partners":[{"id":"avios_aerlingus","name":"Aer Lingus AerClub (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"aeroplan","name":"Air Canada Aeroplan","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"alaska","name":"Alaska/Hawaiian Atmos Rewards","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"AwardWallet shows ~9 hours typical."},{"id":"lifemiles","name":"Avianca LifeMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"cathay","name":"Cathay Pacific Asia Miles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"jal","name":"Japan Airlines Mileage Bank","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added October 2025."},{"id":"jetblue","name":"JetBlue TrueBlue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 2025-05-22."},{"id":"southwest","name":"Southwest Rapid Rewards","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Can take up to 72 hours (Upgraded Points). Added 2025-04-24."},{"id":"tap","name":"TAP Air Portugal Miles&Go","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"AwardWallet data point shows up to 6 days for some transfers."},{"id":"united","name":"United MileagePlus","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Virgin Red is also listed as a separate 1:1 partner (Upgraded Points)."},{"id":"accor","name":"Accor Live Limitless (ALL)","type":"hotel","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1,000 Bilt = ~666 ALL points. AwardWallet lists a 3,000-point minimum."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"ihg","name":"IHG One Rewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Upgraded Points says a 20,000-point transfer gets 5,000 bonus points."},{"id":"iprefer","name":"I Prefer Hotel Rewards (Preferred Hotels & Resorts)","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 2026-06-22."},{"id":"hyatt","name":"World of Hyatt","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":{"effective":"2027-01-01","ratio":"4:3","partner_points_per_point":0.75},"active_bonus":null,"notes":"Drops to 4:3 for all members on 2027-01-01; last day at 1:1 is 2026-12-31."},{"id":"wyndham","name":"Wyndham Rewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 2026-03-25. Upgraded Points says the minimum is 1,000 for all tiers."},{"id":"amtrak","name":"Amtrak Guest Rewards","type":"other","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Listed on Bilt's own transfer partner page (updated 2026-10-20)."}]},{"id":"wells_fargo","name":"Wells Fargo Rewards","kind":"credit_card_points","country":"US","checked":"2026-11-01","source_urls":["https://creditcards.wellsfargo.com/autograph-journey-visa-credit-card/","https://upgradedpoints.com/credit-cards/wells-fargo-rewards-transfer-partners","https://awardwallet.com/mile-transfer-times?program=Wells+Fargo","https://awardwallet.com/news/wells-fargo-rewards/cathay-transfer-partner/"],"notes":"Wells Fargo does not publish its partner list publicly (it is inside the logged-in rewards site). The Autograph Journey page confirms transfers are allowed 'in any amount', with no 1,000-point increments. List comes from Upgraded Points (2026-09-28) and AwardWallet (2026-10-31), which agree. Eligible cards: Autograph, Autograph Journey, Premier Autograph Visa Infinite (Active Cash rewards can be converted). Upgraded Points reports near-instant transfers; AwardWallet has no timing data.","partners":[{"id":"avios_aerlingus","name":"Aer Lingus AerClub (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"lifemiles","name":"Avianca LifeMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"cathay","name":"Cathay Pacific Asia Miles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added around 2026-04-28."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"jetblue","name":"JetBlue TrueBlue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 2025-10-27."},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Virgin Red is also available 1:1."},{"id":"choice","name":"Choice Privileges","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"wyndham","name":"Wyndham Rewards","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 2026-04-15."}]},{"id":"us_bank","name":"U.S. Bank Altitude Rewards (legacy Altitude Reserve / FlexPerks only)","kind":"credit_card_points","country":"US","checked":"2026-11-01","source_urls":["https://upgradedpoints.com/credit-cards/us-bank-transfer-partners/","https://awardwallet.com/news/us-bank/us-bank-launches-transfer-partners/","https://thepointsguy.com/news/us-bank-adds-hotel-and-airline-transfer-partners"],"notes":"NEW, launched 2026-08-11. Only Altitude Reserve and legacy FlexPerks cards can transfer, and all are closed to new applicants. No official public page was fetched. Sources disagree on whether Accor and Avianca were launch partners or added later. Qantas was pulled about a day after launch and restored in late August. Low confidence.","partners":[{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Upgraded Points mentions a 2026-09-08 Flying Blue change it does not describe."},{"id":"lifemiles","name":"Avianca LifeMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Reportedly added late August 2026."},{"id":"ethiopian","name":"Ethiopian Airlines ShebaMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"accor","name":"Accor Live Limitless (ALL)","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null}]},{"id":"rove","name":"Rove Miles","kind":"rewards_program","country":"US","checked":"2026-11-05","source_urls":["https://help.rove.com/articles/216955-transfer-partners","https://help.rove.com/articles/567953-how-to-transfer-rove-miles-to-partner-programs","https://help.rove.com/articles/258789-miles-pending-and-posting-timelines","https://help.rove.com/articles/927292-booking-guide","https://help.rove.com/articles/535519-cents-per-mile-cpm","https://www.rove.com/program-terms"],"notes":"Rove is a free US travel rewards program, not a credit card: you earn Rove Miles by booking hotels and flights through Rove, through card-linked dining offers and a shopping portal, on top of your normal card rewards. US residents 18 and over. Rove lists 22 transfer partners (October 2026), all 1:1 except ALL Accor at 1.5:1. Minimums are shown in the Rove account, not published. Rove's terms say transfers usually complete within 1 day but can take up to 20 days. Transfers are final, and the name on both accounts must match. Rove can change partners and ratios without notice. Transfers into Rove Miles are not available yet.","partners":[{"id":"aeromexico","name":"Aeromexico Rewards","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"aeroplan","name":"Air Canada Aeroplan","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"maharaja_club","name":"Air India Maharaja Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"cathay","name":"Cathay Pacific Asia Miles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"connectmiles","name":"Copa Airlines ConnectMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"finnair","name":"Finnair Plus (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"frontier","name":"Frontier Miles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"hainan_fortunewings","name":"Hainan Airlines Fortune Wings Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"jal","name":"Japan Airlines Mileage Bank","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"jetblue","name":"JetBlue TrueBlue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"miles_and_more","name":"Lufthansa Group Miles & More","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"thai","name":"Thai Airways Royal Orchid Plus","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"vietnam_lotusmiles","name":"Vietnam Airlines Lotusmiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":null},{"id":"accor","name":"Accor Live Limitless (ALL)","type":"hotel","ratio":"1.5:1","partner_points_per_point":0.6667,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1.5 Rove Miles = 1 ALL point."}]},{"id":"amex_mr_be","name":"American Express Membership Rewards (Belgium)","kind":"credit_card_points","country":"BE","checked":"2026-11-02","source_urls":["https://global.americanexpress.com/myca/intl/catalog/canlac/action?request_type=un_intlCatalog&categoryId=24&action=RewardsSearch&Face=fr_BE&pageNo=1","https://global.americanexpress.com/myca/intl/catalog/canlac/action?request_type=un_intlCatalog&categoryId=22&action=RewardsSearch&Face=fr_BE&pageNo=1","https://global.americanexpress.com/myca/intl/catalog/canlac/action?request_type=un_intlCatalog&categoryId=25&action=RewardsSearch&Face=fr_BE&pageNo=1","https://global.americanexpress.com/myca/intl/catalog/canlac/action?request_type=un_intlCatalog&action=RewardDetailSearch&Face=fr_BE&rewardID=AF-01&seqNo=1","https://global.americanexpress.com/myca/intl/catalog/canlac/action?request_type=un_intlCatalog&action=RewardDetailSearch&Face=fr_BE&rewardID=SC-02&seqNo=2","https://global.americanexpress.com/myca/intl/catalog/canlac/action?request_type=un_intlCatalog&action=RewardDetailSearch&Face=fr_BE&rewardID=MMO-0103&seqNo=2"],"notes":"Source: the official Amex Belgium Membership Rewards catalogue, which lists 8 transfer partners: 5 airlines (British Airways, Iberia, Delta, SAS, Flying Blue), 2 hotels (Hilton, Marriott) and Club Eurostar. Each partner allows one transfer per day. Transfers can be made online (after adding your frequent-flyer number), by phone or in the app chat. The catalogue gives ratios but mostly not minimums, steps or transfer times; only Flying Blue (minimum 1,000) and Marriott (minimum 1,000, maximum 999,900, 2-10 business days) do. No transfer fee is mentioned. Belgium has no Emirates, Qatar, Cathay, Singapore, Accor or Radisson. Miles & More / Brussels Airlines ended on 1 May 2025. Some Belgian sites still say Flying Blue and Miles & More transfer 1:1; the official catalogue says Flying Blue is 2:1 and Miles & More has ended.","partners":[{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official catalogue (BART-03): 3 MR = 2 Avios. Minimum and transfer time not stated."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official catalogue (IBRT-01): 3 MR = 2 Avios. Minimum and transfer time not stated."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official catalogue (DL-02): 3 MR = 2 SkyMiles."},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official catalogue (SAS-01): 3 MR = 2 EuroBonus points. The listing's points column shows 15, which doesn't match the headline; the 3:2 headline ratio is used."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official catalogue (AF-01): 2 MR = 1 mile, minimum 1,000 MR, one transfer per day. Transfer time not stated."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official catalogue (HH-02): 1 MR = 1 Honors point. Minimum not stated (listing shows 100 points)."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official catalogue (SC-02): 1 MR = 1 Bonvoy point, minimum 1,000, max 999,900 per transfer, credited in 2-10 business days."},{"id":"club_eurostar","name":"Club Eurostar","type":"other","ratio":"20:1","partner_points_per_point":0.05,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official catalogue (ES): 2,000 MR = 100 Club Eurostar points."}]},{"id":"amex_mr_nl","name":"American Express Membership Rewards (Netherlands)","kind":"credit_card_points","country":"NL","checked":"2026-11-02","source_urls":["https://www.americanexpress.com/nl-nl/rewards/membership-rewards/travel/all","https://www.zakenreisnieuws.nl/nieuws/categorie/72/algemeen/vanaf-juli-minder-flying-blue-miles-bij-omwisseling-american-express-punten","https://www.creditcardrewards.nl/blog/mr-ratio-wijziging-2026","https://travelhacking.nl/american-express/vanaf-juli-minder-flying-blue-miles-bij-amex"],"notes":"The official Amex Netherlands transfer page lists 10 partners: 7 airlines, 3 hotels. Minimums and steps vary by partner (see notes). Most transfer times are ranges like 4-10 days. Delta has a 750,000 MR yearly cap. No transfer fee is mentioned. The Netherlands has no Emirates, Qatar, Accor or Virgin partner. Flying Blue moved from 5:4 to 2:1 on 1 July 2026 (Amex customer notice, reported by Zakenreisnieuws on 29 April 2026); the official page now shows 2:1. British Airways Avios is 5:4 but Iberia Avios 3:2; Avios can be moved between the two, so BA is the better route. Cathay (3:1), Delta (3:1), SAS (3:2) and Iberia (3:2) are not 5:4, whatever some April 2026 articles expected; we don't know when those were set. Flying Blue co-brand cards earn miles directly, not Membership Rewards.","partners":[{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 3 MR = 1 Asia Mile, min 1,000, increments 500, 7-10 days."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 3 MR = 2 Avios, min 800, increments 100, within one working day."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 3 MR = 1 SkyMile, min 3, increments 3, 4-10 days, max 750,000 MR per year."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 2 MR = 1 mile, min 1,000, increments 2, 2-10 days. Was 5:4 until 30 June 2026."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 5 MR = 4 Avios, min 1,000, increments 500, 1 day. Best Avios ratio in NL."},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 3 MR = 2 points, min 1,200, increments 600, 4-10 days."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 5 MR = 4 miles, min 1,600, increments 800, up to 15 days."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 100, increments 1, 4-10 days."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 100, increments 100, 4-10 days."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 1 MR = 2 points. The page conflicts with itself: calculator says min/increment 2 and 4-10 days; partner note says min/increment 3, max 999,999, within 10 working days."}]},{"id":"amex_mr_uk","name":"American Express Membership Rewards (United Kingdom)","kind":"credit_card_points","country":"UK","checked":"2026-11-02","source_urls":["https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/all","https://www.americanexpress.com/en-gb/rewards/membership-rewards/travel/hotels","https://www.pointswellmade.co.uk/post/amex-membership-rewards-drops-etihad-and-adds-accor-here-s-what-it-means-for-your-points","https://www.insideflyer.com/posts/etihad-guest-exits-amex-membership-rewards/","https://awardwallet.com/news/amex-membership-rewards/amex-uk-removes-singapore-krisflyer/"],"notes":"The official Amex UK page lists 17 partners: 11 airlines, 4 hotels, plus Club Eurostar and Nectar. Most airlines are 1:1. Minimums range from 1 point (Nectar) and 3 (Radisson) to 1,500 (Eurostar). Transfer times are Amex's estimates. Transfers can't be reversed and no transfer fee is mentioned. Limited-time offer: 40% more Hilton Honors points (1 MR = 2.8 Honors) until 24 November 2026; the standard ratio is 1:2. ALL Accor joined on 13 May 2026 at 3:1 (Points Well Made). Etihad Guest left on 22 June 2026. Singapore KrisFlyer was once dropped by Amex UK and later restored (AwardWallet); it is on the official list now at 3:2.","partners":[{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, increments 500. Enrolment, if needed, may take a further 3 working days."},{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, increments 500, 3 working days."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, increments 500, up to 30 minutes (allow up to 48 hours)."},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, increments 500. The page lists 2 working days but its description says within 30 minutes."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 500, increments 250, 4 working days."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, increments 500, 4 working days."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 500, increments 100, 3 business days."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 500, increments 500, up to 48 hours."},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, increments 500, 5 working days (+~5 if verification needed)."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 900, increments 300, up to 15 working days."},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club (Virgin Points)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, increments 500. Description says allow 48 hours."},{"id":"accor","name":"ALL Accor","type":"hotel","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 300, increments 300. Partner since 13 May 2026."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":{"bonus_pct":40,"ratio_with_bonus":"1:2.8","starts":"2026-09-29","ends":"2026-11-24","targeted":false},"notes":"Official: min 200, increments 50, up to 20 business days. 40% bonus until 24 Nov 2026 (1 MR = 2.8 Honors)."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"2:3","partner_points_per_point":1.5,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 400, increments 400, up to 1 business day."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":"1:3","partner_points_per_point":3,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 3, increments 3, 10 working days."},{"id":"club_eurostar","name":"Club Eurostar","type":"other","ratio":"15:1","partner_points_per_point":0.0667,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 1,500 MR = 100 Club Eurostar points, 5 working days."},{"id":"nectar","name":"Nectar","type":"other","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1, increments 1, 4 working days."}]},{"id":"amex_mr_fr","name":"American Express Membership Rewards (France)","kind":"credit_card_points","country":"FR","checked":"2026-11-02","source_urls":["https://milesopedia.fr/finance/american-express-membership-rewards-transfert-points/","https://www.americanexpress.com/fr-fr/rewards/membership-rewards/travel/all","https://www.theflightclub.it/fr/2026/10/american-express-attiva-accor-adesso-puoi-trasferire-i-punti-membership-rewards-ma-per-il-gold-bisogna-ancora-aspettare/amp/"],"notes":"Amex France doesn't publish its ratios in a readable table, so these come from Milesopedia.fr (updated 27 October 2026), the only full French table: one blog's figures, not Amex's. The official French page does confirm that Etihad Guest transfers ended on 15 June 2026, and gives the Flying Blue number format (00 + 10 digits). Per Milesopedia, personal Blue, Green, Gold and Platinum cards earn MR. Business Green, Gold and Platinum also earn MR but can only redeem in the catalogue, not transfer. Air France KLM Amex cards earn Flying Blue miles directly. No transfer fee is mentioned. Some French sources say Flying Blue is 1:1 and that there is no Avios partner; Milesopedia's newer table shows Flying Blue at 5:4 and BA, Iberia and Qatar Avios, and we use that. The Dutch cut to 2:1 (1 July 2026) has not been reported for France.","partners":[{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: min 1,600, 3 working days."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: min 1,000, 2 working days."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: 1:1, 3 working days, minimum not given. Unusually good next to DE (3:2), BE (3:2) and NL (3:1). Single source, not confirmed by Amex."},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: min 1,000, 3 working days."},{"id":"finnair","name":"Finnair Plus (Avios)","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: 5:4, 3 working days, minimum not given. Finnair Plus now uses Avios as its currency."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: min 625, instant."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: min 1,000, instant."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"6:5","partner_points_per_point":0.8333,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: min 600, 3 working days. Best Avios ratio in France."},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: min 1,000, 3 working days."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: 10-15 working days, minimum not given."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: min 1, 3 working days."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: min 1, 3 working days."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":"2:5","partner_points_per_point":2.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: 2 MR = 5 points, min 2, 10 working days."},{"id":"accor","name":"ALL Accor","type":"hotel","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Partner added mid-2026, but Amex France hasn't published a ratio (Milesopedia, Oct 2026). The Flight Club (Oct 2026) says Accor transfers are live in some markets, with rates set per country. Ratio unknown, so not set."},{"id":"club_eurostar","name":"Club Eurostar","type":"other","ratio":"20:1","partner_points_per_point":0.05,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Milesopedia.fr: 20 MR = 1 Club Eurostar point, min 200, 5 working days."}]},{"id":"amex_mr_de","name":"American Express Membership Rewards (Germany)","kind":"credit_card_points","country":"DE","checked":"2026-11-02","source_urls":["https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/all","https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines","https://reisetopia.de/news/american-express-membership-rewards-accor/","https://reisetopia.de/news/etihad-guest-amex-transferpartner-ende/","https://frankfurtflyer.de/letzte-chance-amex-membership-rewards-punkte-zu-alten-umrechnungskursen-uebertragen/"],"notes":"The official Amex Germany page lists 14 partners: 9 airlines, 4 hotels, plus PAYBACK. Its ratios match Reisetopia (6 July 2026). Transfers can't be reversed. You must be enrolled in the partner program and link the account once. No transfer fee is mentioned. There is no direct Miles & More transfer; you can go via PAYBACK (3:1 into PAYBACK) instead. On 1 August 2025 Cathay (5:4 to 3:2), Emirates (5:4 to 2:1), Etihad (5:4 to 3:2) and Qatar (5:4 to 3:2) got worse (Frankfurtflyer, 29 July 2025). ALL Accor was added on 6 July 2026 at 3:1. A 30% Marriott bonus ran from 1 September to 31 October 2026 and has ended. Some steps on the main page differ from the partner detail pages (Cathay 300, Iberia 500, SAS 500); see each partner. Amex announced Membership Rewards maintenance on 3 November 2026.","partners":[{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, steps of 5, up to 1 working day."},{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 900, about 3 working days (detail page says steps of 300). Was 5:4 until 31 Jul 2025."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 3,000, steps of 3, about 5 working days."},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, steps of 2, up to 1 working day. Was 5:4 until 31 Jul 2025."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 625, steps of 5, up to 1 working day. The NL cut to 2:1 has not reached DE as of 2 Nov 2026."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000 (detail page says steps of 500), up to 1 working day. Name must match the partner account exactly."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 900, steps of 3, 7 working days. Was 5:4 until 31 Jul 2025."},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000 (detail page says steps of 500), about 5 working days."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,500, steps of 3, up to 15 working days."},{"id":"accor","name":"ALL Accor","type":"hotel","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 900, steps of 3, up to 1 working day. Partner since 6 Jul 2026."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 2,500, steps of 25, up to 1 working day."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 900, steps of 3, up to 1 working day."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, steps of 2, 7 working days."},{"id":"payback","name":"PAYBACK","type":"other","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 900, steps of 3, 2 working days. Indirect route to Miles & More (Reisetopia)."}]},{"id":"revolut_eu","name":"Revolut RevPoints (EEA)","kind":"credit_card_points","country":"EEA","checked":"2026-11-02","source_urls":["https://help.eurostar.com/faq/uk-en/question/How-do-I-transfer-RevPoints-into-Club-Eurostar-reward-points","https://meilenoptimieren.com/revolut-revpoints-in-meilen-umwandeln/","https://reisetopia.de/news/revpoints-zwei-neue-transferpartner/","https://reisetopia.de/news/neue-revpoints-transferpartner-revolut/","https://reisetopia.de/news/revpoints-singapore-airlines-icelandair-transferpartner/","https://reisetopia.de/news/revpoints-emirates-skywards-transferpartner/","https://reisetopia.de/news/revolut-revpoints-hotels-transfer/","https://pointsmag.com/?p=72455","https://all.accor.com/a/en/loyalty-program/partners/conditions/revolut.html","https://www.emirates.com/english/skywards/partners/revolut/","https://skystatus.pro/guide/revolut-revpoints-flying-blue","https://www.insideflyer.com/2025/07/28/etihad-guest-and-revolut-team-up-new-revpoints-transfer-option/","https://cartoeseviagens.com.br/revolut-japan-airlines-revpoints-transferencia","https://loyaltylobby.com/2026/06/21/all-accor-conversion-partner-changes-revolut-reward-pay-new-brb-rakuten-update/"],"notes":"Revolut doesn't publish a public partner table, so this list comes from partner pages (ALL Accor, Emirates) and blogs. Meilenoptimieren (15 October 2026) lists 18 airline partners; PointsMag (1 October 2026) says JAL made it 19, so one may be missing. Transfer ratios don't depend on your plan; the earn rate does: Standard 1 RevPoint per €10, Plus 1 per €10, Premium 1 per €4, Metal 1 per €2, Ultra 1 per €1 (Meilenoptimieren; skystatus.pro). The only plan-linked transfer rule is the Emirates cap of 500,000 miles a year, which Metal, Ultra and Private don't have. No fee for partner transfers is documented (unconfirmed by Revolut); the 10% fee often quoted is for sending points to friends. Airline transfers can't be reversed; 1 to 999,999 RevPoints per transfer; usually minutes, up to 2 working days. Partners can differ by country (PointsMag); Aegean excludes Greece and Cyprus (Reisetopia). RevPoints expire 3 years after you earn them.","partners":[{"id":"aegean","name":"Aegean Miles+Bonus","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added Oct 2025 (Reisetopia, 26 Oct 2025); 1:1 per Reisetopia and Meilenoptimieren. Reisetopia lists it as available across the EEA, CH and UK except Greece and Cyprus."},{"id":"avios_aerlingus","name":"Aer Lingus AerClub (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Meilenoptimieren (15 Oct 2026)."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Meilenoptimieren (15 Oct 2026); skystatus.pro (verified 1 Nov 2026): minimum 1 RevPoint."},{"id":"lifemiles","name":"Avianca LifeMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added March 2026. 1:1 per Meilenoptimieren (15 October 2026). A Brazilian site reported 3:2, probably the Brazilian app. A 15% bonus ran until 25 October 2026 (ended)."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Meilenoptimieren (15 Oct 2026). A 20% Avios bonus (BA, Iberia, Vueling, Aer Lingus) ran 17-30 Aug 2026 for UK, Ireland and Spain accounts only (Head for Points); ended."},{"id":"china_southern","name":"China Southern Sky Pearl Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added early Oct 2025 at 1:1 (Reisetopia, 3 Oct 2025)."},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added July 2026 at 2:1 (Reisetopia, 20 July 2026). Emirates' Revolut page: minimum 2 RevPoints; cap of 500,000 Skywards Miles per calendar year, which doesn't apply to Metal, Ultra or Private. Brazil is 4:1. Not every European country may be included."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added July 2025 at 1:1, no minimum (InsideFlyer, 28 Jul 2025). A bonus of up to 40% ran 1-31 Oct 2026 (ended)."},{"id":"finnair","name":"Finnair Plus (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1:1 per Meilenoptimieren (15 Oct 2026). Revpointsguide (UK, 7 Aug 2026) says only 'up to 1:1; check app'."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Meilenoptimieren (15 Oct 2026)."},{"id":"icelandair","name":"Icelandair Saga Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added around 20-21 Jun 2026 at 1:1 (Reisetopia, 22 Jun 2026)."},{"id":"jal","name":"Japan Airlines Mileage Bank","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"In the app since about late September 2026 at 3 RevPoints = 2 miles (PointsMag, 1 October 2026; Meilenoptimieren, 15 October 2026). The Brazilian app shows 2:1."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Meilenoptimieren (15 Oct 2026)."},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added early Oct 2025 at 1:1 (Reisetopia, 3 Oct 2025)."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added around 20-21 Jun 2026 at 2 RevPoints = 1 mile (Reisetopia, 22 Jun 2026)."},{"id":"tap","name":"TAP Air Portugal Miles&Go","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Meilenoptimieren (15 Oct 2026). A 20% bonus ran 4-10 May 2026 (ended)."},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Meilenoptimieren (15 Oct 2026)."},{"id":"vueling","name":"Vueling Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Meilenoptimieren (15 Oct 2026)."},{"id":"accor","name":"ALL Accor","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ALL Accor terms: 2 RevPoints = 1 ALL Reward point, minimum 2 RevPoints. The English terms name UK, Ireland and Malta; other language versions name other countries (Italy/Switzerland, Portugal, Poland). Added June 2026 (LoyaltyLobby, 21 Jun 2026)."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Listed as a partner, but no ratio has been published (PointsMag and Reisetopia, both 1 Oct 2026). Unconfirmed."},{"id":"iprefer","name":"I Prefer Hotel Rewards (Preferred Hotels & Resorts)","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Reisetopia and PointsMag (1 Oct 2026). Head for Points (19 Aug 2026) confirms 1:2 for the UK."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":"1:3","partner_points_per_point":3,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Reisetopia and PointsMag (1 Oct 2026). Added quietly; a German Ultra user reported in Sep 2026 that transfers weren't yet possible, so rollout may be gradual."},{"id":"wyndham","name":"Wyndham Rewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Reisetopia and PointsMag (1 Oct 2026). Rollout may be gradual."},{"id":"club_eurostar","name":"Club Eurostar","type":"other","ratio":"10:1","partner_points_per_point":0.1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 5 Oct 2026 (Eurostar). In the Revolut app, multiples of 10, one way. Your name must match on both accounts."}]},{"id":"revolut_uk","name":"Revolut RevPoints (United Kingdom)","kind":"credit_card_points","country":"UK","checked":"2026-11-02","source_urls":["https://help.eurostar.com/faq/uk-en/question/How-do-I-transfer-RevPoints-into-Club-Eurostar-reward-points","https://www.headforpoints.com/2026/08/18/revpoints-avios-transfer-bonus/","https://www.headforpoints.com/2026/08/19/preferred-hotels-finally-gets-a-uk-transfer-partner/","https://revpointsguide.com/revpoints-transfer-partners","https://revpointsguide.com/are-revpoints-really-worth-it","https://all.accor.com/a/en/loyalty-program/partners/conditions/revolut.html","https://meilenoptimieren.com/revolut-revpoints-in-meilen-umwandeln/","https://reisetopia.de/news/revpoints-singapore-airlines-icelandair-transferpartner/","https://reisetopia.de/news/revolut-revpoints-hotels-transfer/","https://pointsmag.com/?p=72455"],"notes":"Shown separately from Revolut EU because the UK partner list isn't confirmed to be the same. Ratios match the EU wherever both are known. UK partners per Head for Points (18 August 2026): BA, Iberia, Vueling, Aer Lingus, Qatar, Etihad, Avianca, Aegean, China Southern, Icelandair, SAS, Turkish, TAP, Singapore and Air France/KLM. Not confirmed for the UK: Emirates (added in the EU in July 2026; Emirates' terms list 31 European countries but not the UK, per Revpointsguide) and JAL (added late September 2026). Ratios don't depend on your plan. UK earn rates (Revpointsguide, 9 August 2026): Standard 1 per £10, Plus (£3.99) 1 per £10, Premium (£7.99) 1 per £4, Metal (£14.99) 1 per £2, Ultra (£55) 1 per £1. Free accounts get only 10% of merchant-offer bonus RevPoints (Head for Points). No transfer fee is documented (unconfirmed by Revolut). Transfers are final; Head for Points' BA transfer arrived instantly, and up to 2 business days is allowed.","partners":[{"id":"aegean","name":"Aegean Miles+Bonus","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Added Oct 2025 (Reisetopia, 26 Oct 2025); 1:1 per Reisetopia and Meilenoptimieren. Reisetopia lists it as available across the EEA, CH and UK except Greece and Cyprus."},{"id":"avios_aerlingus","name":"Aer Lingus AerClub (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Meilenoptimieren (15 Oct 2026)."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Meilenoptimieren (15 Oct 2026); skystatus.pro (verified 1 Nov 2026): minimum 1 RevPoint."},{"id":"lifemiles","name":"Avianca LifeMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 August 2026) names this as a partner for UK accounts. Ratio from EU sources: 1:1 per Meilenoptimieren (15 October 2026). A 15% bonus ran until 25 October 2026 (ended)."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Meilenoptimieren (15 Oct 2026). A 20% Avios bonus (BA, Iberia, Vueling, Aer Lingus) ran 17-30 Aug 2026 for UK, Ireland and Spain accounts only (Head for Points); ended."},{"id":"china_southern","name":"China Southern Sky Pearl Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Added early Oct 2025 at 1:1 (Reisetopia, 3 Oct 2025)."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Added July 2025 at 1:1, no minimum (InsideFlyer, 28 Jul 2025). A bonus of up to 40% ran 1-31 Oct 2026 (ended)."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Meilenoptimieren (15 Oct 2026)."},{"id":"icelandair","name":"Icelandair Saga Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Added around 20-21 Jun 2026 at 1:1 (Reisetopia, 22 Jun 2026)."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Meilenoptimieren (15 Oct 2026)."},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Added early Oct 2025 at 1:1 (Reisetopia, 3 Oct 2025)."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Added around 20-21 Jun 2026 at 2 RevPoints = 1 mile (Reisetopia, 22 Jun 2026)."},{"id":"tap","name":"TAP Air Portugal Miles&Go","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Meilenoptimieren (15 Oct 2026). A 20% bonus ran 4-10 May 2026 (ended)."},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Meilenoptimieren (15 Oct 2026)."},{"id":"vueling","name":"Vueling Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (18 Aug 2026) names this as a RevPoints partner for UK accounts. Ratio taken from EEA sources: Meilenoptimieren (15 Oct 2026)."},{"id":"finnair","name":"Finnair Plus (Avios)","type":"airline","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Revpointsguide (UK, 7 Aug 2026) lists it as 'up to 1:1; check app'. Not in Head for Points' 18 Aug 2026 UK list. Unconfirmed for the UK."},{"id":"accor","name":"ALL Accor","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ALL Accor terms: 2 RevPoints = 1 ALL point, minimum 2; the English terms name UK, Ireland and Malta."},{"id":"iprefer","name":"I Prefer Hotel Rewards (Preferred Hotels & Resorts)","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Head for Points (19 Aug 2026): 2 I Prefer points per RevPoint for UK accounts."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Listed in the UK directory (Revpointsguide, 7 Aug 2026), but no ratio has been published."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Listed in the UK directory (Revpointsguide, 7 Aug 2026) as 'check app'. German sources report 1:3; not confirmed for the UK."},{"id":"wyndham","name":"Wyndham Rewards","type":"hotel","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Listed in the UK directory (Revpointsguide, 7 Aug 2026) as 'check app'. German sources report 1:1; not confirmed for the UK."},{"id":"club_eurostar","name":"Club Eurostar","type":"other","ratio":"10:1","partner_points_per_point":0.1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 5 Oct 2026 (Eurostar). In the Revolut app, multiples of 10, one way. Your name must match on both accounts."}]},{"id":"amex_mr_es","name":"American Express Membership Rewards (Spain)","kind":"credit_card_points","country":"ES","checked":"2026-11-02","source_urls":["https://www.americanexpress.com/es-es/rewards/membership-rewards/travel/all","https://www.americanexpress.com/es-es/tarjetas-de-cargo/iberia-plus-avios/"],"notes":"The official Amex Spain page lists 12 partners: 6 airline (Air Europa SUMA, Iberia, BA, Flying Blue, SAS, Delta), 4 hotel (Hilton, Marriott, Meliá, Radisson) and 2 other (Paradores, Renfe). Unlike most of Europe, Avios (Iberia and BA) and Flying Blue are 1:1. Transfers are final; you need a registered partner account first. No transfer fee is mentioned. The page says Emirates Skywards transfers are suspended 'hasta nuevo aviso' (until further notice) because of Emirates maintenance, and Emirates isn't in the partner list; its Spanish ratio could not be confirmed. Cathay, Qatar, Singapore and Accor don't appear on the Spanish page. No Spain-specific blog confirmation was found, so this list relies on the official page alone (no ratio-change history for 2025-2026 was confirmed). A 30% Avios bonus reported to end 27 Sep 2026 comes from US sources and is not confirmed for Spain.","partners":[{"id":"aireuropa","name":"Air Europa SUMA","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1, steps of 1, 3 business days."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ('Club Iberia Plus'): min 50, steps of 1, 30 minutes."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 250, steps of 1, up to 30 minutes."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 3, steps of 3, 3 business days."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 500, steps of 5, 5 business days."},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000; the calculator says steps of 500; 3 business days."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 160; the calculator says steps of 40; 5 business days."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 600, steps of 600, 5 business days."},{"id":"melia","name":"MeliáRewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1, steps of 1, 3 business days."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 2, steps of 2, 10 business days."},{"id":"paradores","name":"Amigos de Paradores","type":"other","ratio":"60:1","partner_points_per_point":0.0167,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 60, steps of 60, 2 business days. The page states a maximum of 999,960 MR points a year."},{"id":"renfe","name":"Más Renfe","type":"other","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 12, steps of 12, 3 business days."}]},{"id":"amex_mr_it","name":"American Express Membership Rewards (Italy)","kind":"credit_card_points","country":"IT","checked":"2026-11-02","source_urls":["https://www.americanexpress.com/it-it/rewards/membership-rewards/travel/all","https://www.americanexpress.com/it-it/rewards/membership-rewards/travel/airlines","https://www.theflightclub.it/2026/02/indecente-comportamento-di-american-express-svaluta-i-punti-skywards-senza-preavviso/amp/","https://www.emirates.com/it/italian/skywards/partners/amex/","https://www.theflightclub.it/2026/10/american-express-riattiva-la-possibilita-di-convertire-verso-all-accor-ancora-niente-status/"],"notes":"The official Amex Italy page lists 13 partners: 7 airlines, 4 hotels, plus Italo Più and PAYBACK. Most airlines are 5:4 or 3:2. No transfer fee is mentioned, and amounts above a partner's maximum are rejected. Many transfers take 3-20 business days. Emirates isn't on the public list: since 1 July 2026 you request it in the logged-in 'Programmi Fedeltà' section, and its ratio is less certain (see Emirates). ALL Accor (3:1) is live per the official page; The Flight Club (October 2026) says transfers were re-enabled after a pause. ITA Airways Volare was announced as a partner in 2023 but isn't on the current page, so it's left out. There appears to be no direct Etihad transfer from Italy. Amex announced rewards maintenance on 3-4 November 2026.","partners":[{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, steps of 500, 3-20 business days."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 3, steps of 3, 3-20 business days."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 750, steps of 3, 3-20 business days. Flying Blue number needs a '00' prefix."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 500, steps of 500, up to 30 minutes."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 800, steps of 400, up to 30 minutes."},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 500, steps of 500, 3-20 business days."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,500 (the calculator says steps of 300), 3-20 business days."},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"5:2","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["Centurion"],"ratio":"5:4","partner_points_per_point":0.8}],"scheduled_change":null,"active_bonus":null,"notes":"Not on the public Amex Italy list; requested in the logged-in 'Programmi Fedeltà' section since 1 July 2026. The Flight Club (9 February 2026) says it went from 5:4 to 5:2 after 31 January 2026 without notice, with only Centurion keeping the better rate. Emirates' Italian page says 5 MR = 4 or 2 miles depending on the card. Less certain than other ratios: check in your account."},{"id":"accor","name":"ALL Accor","type":"hotel","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: minimum 3, steps of 3, up to 48 hours. Part of the 2026 Amex-Accor roll-out across 12 markets; The Flight Club reported transfers re-enabled in October 2026."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1, steps of 1, 3-20 business days."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 5, steps of 5, 3-20 business days."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":"2:5","partner_points_per_point":2.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 2 MR = 5 Gold Points; min 4, steps of 4, 3-20 business days."},{"id":"italo","name":"Italo Più","type":"other","ratio":"5:1","partner_points_per_point":0.2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 5, steps of 5, 3-30 business days."},{"id":"payback","name":"PAYBACK","type":"other","ratio":"1:1","partner_points_per_point":1,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1, up to 30 minutes, annual cap of 999,999 points. PAYBACK number needs the prefix 637152."}]},{"id":"amex_mr_se","name":"American Express Membership Rewards (Sweden)","kind":"credit_card_points","country":"SE","checked":"2026-11-02","source_urls":["https://www.americanexpress.com/sv-se/rewards/membership-rewards/travel/all","https://www.americanexpress.com/content/dam/amex/se/documents/villkor/membership-rewards.pdf","https://www.businessclass.com/forum/threads/american-express-devalverar-mr-po%C3%A4ng-fr%C3%A5n-1-september-2022.102483/"],"notes":"The official Amex Sweden page ('Membership Rewards Resepartner') lists 9 partners: 7 airline, 2 hotel. Ratios are given in 'Amex-poäng' and are far higher than elsewhere (e.g. 20 points = 1 Avios) because Swedish points are earned per krona. The official terms (PDF modified 25 Sep 2026) say points are earned per SEK at a card-specific rate published separately. A businessclass.com forum thread says all Swedish MR cards moved to 1 point per SEK on 1 Sep 2022 (forum, not official). So ratio_value cannot be compared directly with EUR or GBP programmes. Transfers are final and need a verified partner account. No transfer fee or maximum is stated; the terms charge a 250 SEK yearly MR fee only on Amexblue/Corporate cards. Points can be moved to your own MR account in another country once a year. Iberia Plus members with new 9-digit numbers can't currently receive transfers. A notice (whose link URL contains 2024) says Finnair transfers ended; Finnair is not listed. No 2025-2026 ratio changes were confirmed from an official or blog source.","partners":[{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"20:1","partner_points_per_point":0.05,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ('British Airways Executive Club'): min 20, steps of 20, 5 working days."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"40:1","partner_points_per_point":0.025,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 40, steps of 40, 5 working days."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"29:1","partner_points_per_point":0.0345,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 29, steps of 29, 5 working days."},{"id":"avios_iberia","name":"Iberia Club (Avios)","type":"airline","ratio":"20:1","partner_points_per_point":0.05,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ('Iberia Plus'): min 20, steps of 20, 5 working days. New members with 9-digit numbers can't currently receive transfers."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"27:1","partner_points_per_point":0.037,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 27, steps of 27, 5 working days."},{"id":"sas_eurobonus","name":"SAS EuroBonus","type":"airline","ratio":"29:1","partner_points_per_point":0.0345,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 29, steps of 29, 5 working days. Older forum posts cite 12:1 and monthly batch transfers; the official page now says 29:1."},{"id":"thai","name":"Thai Airways Royal Orchid Plus","type":"airline","ratio":"34:1","partner_points_per_point":0.0294,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 34, steps of 34, 5 working days."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"13:1","partner_points_per_point":0.0769,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 13, steps of 13, 10 working days."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":"8:1","partner_points_per_point":0.125,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 8, steps of 8, 20 working days."}]},{"id":"amex_mr_ch","name":"American Express Membership Rewards (Switzerland, issued by Swisscard)","kind":"credit_card_points","country":"CH","checked":"2026-11-02","source_urls":["https://rewardshop.americanexpress.ch/rexcategory?categoryCodes=SHPCAT137","https://www.americanexpress.ch/en/rewards/membership-rewards/membership-rewards-cards","https://www.americanexpress.ch/en/magazine/benefits/american-express-flight-miles","https://meilenoptimieren.com/?p=25108","https://pointsmag.com/amex-beendet-punktetransfer-zu-etihad-guest/"],"notes":"In Switzerland Amex cards are issued by Swisscard AECS GmbH, and the programme is still called Membership Rewards, run through americanexpress.ch and the Swisscard rewards shop. It is separate from the German and other EU programmes and has its own ratios. The official rewards shop lists 6 partners: 4 airline, 2 hotel. Swiss is the only Amex market here with a direct Miles & More transfer. The shop gives no minimums, increments, transfer times or fees (those are on detail pages and in the T&Cs, not fetched). Cards that earn MR: American Express Card, Gold and Platinum. Classic tier earns 1 point per CHF 1, Basic 1 per CHF 2. The American Express Card's Classic tier is optional at CHF 54.05 a year. Meilenoptimieren (26 Oct 2026) matches the official ratios. Its claim that Iberia, Qatar, Finnair, Aer Lingus, Vueling and Loganair are 'indirect' partners at 3:2 just means moving Avios on from BA; an older Meilenoptimieren page saying 5:4 is out of date. Etihad Guest appeared on americanexpress.ch in May 2025 but is not in the current shop list (removal date unconfirmed). Accor's 2026 Amex roll-out is not confirmed for Switzerland.","partners":[{"id":"miles_and_more","name":"Lufthansa Group Miles & More (SWISS)","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official rewards shop: 2 points = 1 mile. Minimum, steps and time not shown."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official rewards shop: 3 points = 2 Avios. Other Avios programmes reachable by moving Avios on from BA."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official rewards shop: 2 points = 1 mile."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official rewards shop: 2 points = 1 mile."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official rewards shop: 3 points = 2 Bonvoy points."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official rewards shop: 5 points = 4 Honors points."}]},{"id":"amex_mr_ca","name":"American Express Membership Rewards (Canada)","kind":"credit_card_points","country":"CA","checked":"2026-11-02","source_urls":["https://www.americanexpress.com/content/dam/amex/en-ca/benefits/rewards/membership-rewards/Membership-Rewards-Terms-and-Conditions-French-June-2026.pdf","https://all.accor.com/a/en/loyalty-program/partners/credit-card-rewards/americanexpress-ca.html","https://www.princeoftravel.com/points-programs/american-express-membership-rewards/","https://milesopedia.com/en?p=421504","https://milesopedia.com/en/news/programs/amex-membership-rewards-flying-blue-new-transfer-ratio/","https://www.insideflyer.com/posts/amex-canada-adds-accor-as-transfer-partner-with-2-1-ratio","https://princeoftravel.com/news/amex-membership-rewards-removes-etihad-guest/"],"notes":"8 partners: 5 airlines, 3 hotels. Partners and ratios agree across Prince of Travel (updated 23 October 2026) and Milesopedia (updated 29 October 2026). Amex Canada's own sources: the Membership Rewards terms (PDF) and its June 2026 Etihad notice, and ALL Accor's Amex Canada page. The terms list three tiers (Prima, MR and MR Select, e.g. Cobalt), all with airline and hotel transfers; Milesopedia says the Cobalt page lists only 7 partners, without Delta or Accor. Minimum 1,000 MR, steps of 100 (Prince of Travel). No transfer fee is mentioned, and transfer times aren't published. 2026 changes: Flying Blue improved from 1:0.75 to 1:1 on 3 January 2026; Etihad Guest left on 20 June 2026; ALL Accor joined on 29 July 2026 at 2:1.","partners":[{"id":"aeroplan","name":"Air Canada Aeroplan","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official terms: 1,000 = 1,000. Prince of Travel and Milesopedia agree."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1:1 since 3 Jan 2026, for all MR-earning cards incl. Cobalt (Milesopedia). Was 1,000:750, as still printed in the 04/25 terms table."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official terms: 1,000 = 1,000 Avios."},{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"4:3","partner_points_per_point":0.75,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official terms: 1,000 = 750 Asia Miles."},{"id":"delta","name":"Delta SkyMiles","type":"airline","ratio":"4:3","partner_points_per_point":0.75,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official terms: 1,000 = 750 SkyMiles. Milesopedia says the Cobalt card page doesn't list Delta; eligibility for MR Select is unclear."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official terms: 1,000 = 1,000."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"5:6","partner_points_per_point":1.2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official terms: 1,000 = 1,200. Periodic 30% bonuses (none current found)."},{"id":"accor","name":"ALL Accor","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ALL Accor page: 1,000 MR = 500 ALL points; min 1,000, steps of 100, max 999,900 per transfer. Live 29 Jul 2026 (InsideFlyer). Not on the Cobalt page per Milesopedia."}]},{"id":"amex_mr_au","name":"American Express Membership Rewards (Australia)","kind":"credit_card_points","country":"AU","checked":"2026-11-02","source_urls":["https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/","https://www.americanexpress.com/en-au/rewards/membership-rewards/options/1000","https://www.americanexpress.com/au/credit-cards/membership-benefits/rewards/index.shtml","https://www.americanexpress.com/content/dam/amex/en-au/company/terms-and-conditions/AME12313_MRTCsDoc-Consumer_FA.pdf","https://www.velocityfrequentflyer.com/partners-offers/credit-cards-banking-insurance/american-express","https://all.accor.com/a/en/loyalty-program/partners/credit-card-rewards/americanexpress-au.html","https://www.pointhacks.com.au/american-express/transfer-membership-rewards-points-travel/","https://www.pointhacks.com.au/news/american-express-membership-rewards-changes-2025/","https://www.australianfrequentflyer.com.au/amex-membership-rewards-devaluation-2025/","https://www.pointhacks.com.au/american-express/amex-membership-rewards-transfer-partner-pros-cons/","https://www.pointhacks.com.au/news/amex-unlocks-points-transfers-to-accor-live-limitless/","https://www.executivetraveller.com/news/amex-accor-all-points-transfer","https://www.australianfrequentflyer.com.au/amex-removing-etihad-guest-transfers/","https://www.australianfrequentflyer.com.au/virgin-atlantic-amex-membership-rewards-gateway/","https://www.pointhacks.com.au/news/every-major-update-australian-rewards-credit-cards-rba-2026/"],"notes":"Amex Australia does not publish ratios without login: its public travel-partner page is JavaScript-rendered and says the rates shown are for Membership Rewards Ascent and may differ by card. Ratios below are therefore Ascent rates from Point Hacks (Ascent table, Sept 2026) and Australian Frequent Flyer, cross-checked against partner-side pages where available (Velocity, ALL Accor). Tiers: Ascent Premium (Platinum Charge, Centurion; Qantas access), Ascent (Platinum Edge, Gold Business and others; no Qantas), Business Ascent (business cards), Gateway (Explorer, Essential Rewards). The Amex rewards page footnote says Qantas is only available in Business Ascent and Ascent Premium, and Virgin Atlantic is not available in Gateway. AFF (2024, page updated March 2026) says Virgin Atlantic was added to Gateway at 3:1. That is a conflict, unresolved. Gateway ratios after the December 2025 devaluation are not published separately, except Velocity (2:1, per Velocity's own page). Big change on 15 Dec 2025: BA, Cathay, Malaysia, Qatar, Virgin Atlantic (and Etihad) went from 2:1 to 3:1, Emirates from 3:1 to 4:1, Thai was removed and Everyday Rewards was added. Point Hacks says the revised airline rates do not apply to Business Ascent or Corporate programs. Accor was added on 28/29 Apr 2026 and Etihad was removed on 23 Jun 2026. The Membership Rewards annual program fee applies on some cards (official options page: $80 Ascent on non-Platinum cards, included with Platinum). On 2 Nov 2026 the official MR page says Marriott transfers are temporarily unavailable. New MR Terms and Conditions take effect on 9 Nov 2026. Their content was not reviewed here, and as of Oct 2026 Point Hacks reports no announced changes to transfer rates.","partners":[{"id":"velocity","name":"Virgin Australia Velocity Frequent Flyer","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"instant","alt_ratios":[{"cards":["gateway"],"ratio":"2:1","partner_points_per_point":0.5},{"cards":["business ascent"],"ratio":"3:2","partner_points_per_point":0.6667}],"scheduled_change":null,"active_bonus":null,"notes":"Velocity's official Amex page: 2 MR = 1 Velocity Point for Ascent, Ascent Premium and Gateway, and 3 MR = 2 for Business Ascent. Minimum 2,000 MR. Velocity says up to 1 business day. Unchanged in the Dec 2025 devaluation (Point Hacks)."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Only for Ascent Premium (Platinum Charge, Centurion) and, per Amex's footnote, Business Ascent (ratio unconfirmed). Not for Ascent or Gateway, although one Point Hacks table lists it for Ascent. Source: Point Hacks, AFF. Usually instant (Point Hacks)."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"3:1 since an earlier devaluation; unchanged on 15 Dec 2025 (Point Hacks, AFF). Gateway ratio unconfirmed."},{"id":"cathay","name":"Cathay (Asia Miles)","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"2:1 became 3:1 on 15 Dec 2025 (Point Hacks, AFF). Gateway ratio unconfirmed."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"2:1 became 3:1 on 15 Dec 2025 (Point Hacks, AFF). Gateway ratio unconfirmed."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"2:1 became 3:1 on 15 Dec 2025 (Point Hacks, AFF). Avios can move 1:1 between Qatar and BA. Gateway ratio unconfirmed."},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"2:1 became 3:1 on 15 Dec 2025 (Point Hacks, AFF). Gateway availability is disputed: the Amex footnote says not available, AFF says it was added in 2024."},{"id":"malaysia_enrich","name":"Malaysia Airlines Enrich","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"2:1 became 3:1 on 15 Dec 2025 (Point Hacks, AFF). Point Hacks: up to two business days."},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"4:1","partner_points_per_point":0.25,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"3:1 became 4:1 on 15 Dec 2025 (Point Hacks, AFF). Point Hacks (page updated Jun 2026) said Emirates transfers were temporarily suspended 'until at least late June'. Current status not confirmed."},{"id":"airpoints","name":"Air New Zealand Airpoints","type":"airline","ratio":"200:1","partner_points_per_point":0.005,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"200 MR = 1 Airpoints Dollar (a currency unit, not a mile), unchanged on 15 Dec 2025 (Point Hacks, AFF). Point Hacks: usually by next business day, up to 36 hours."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Unchanged on 15 Dec 2025 (Point Hacks, AFF)."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Unchanged on 15 Dec 2025 (Point Hacks, AFF). Official Amex AU MR page on 2 Nov 2026: 'Marriott Points Transfers are temporarily unavailable'."},{"id":"accor","name":"ALL Accor","type":"hotel","ratio":"5:1","partner_points_per_point":0.2,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 28/29 Apr 2026. Official Accor partner page: 2,500 MR = 500 ALL points. Minimum 2,500, increments of 5, maximum 999,995 (Executive Traveller). Amex says allow up to 48 hours (Point Hacks)."},{"id":"everyday_rewards","name":"Woolworths Everyday Rewards","type":"other","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added as part of the 15 Dec 2025 changes (Point Hacks, AFF). 2,000 Everyday Rewards points convert to 1,000 Qantas Points, so Ascent and Gateway members get an indirect 2.5:1 route to Qantas (Point Hacks)."}]},{"id":"anz_au","name":"ANZ Rewards","kind":"credit_card_points","country":"AU","checked":"2026-11-02","source_urls":["https://www.anzrewards.com/transfer","https://www.anz.com.au/content/dam/anzcomau/documents/pdf/108145-frequent-flyer-transfer-form-93081-IAS.pdf","https://www.velocityfrequentflyer.com/partners-offers/credit-cards-banking-insurance/anz","https://www.anz.com.au/newsroom/media/2025/october/anz-and-everyday-rewards-more-savings-for-credit-cardholders/","https://www.everyday.com.au/rewards/partners/banking.html","https://www.pointhacks.com.au/credit-cards/anz-rewards-black-uncapped-points-airline-flexibility/","https://thechampagnemile.com.au/anz-rewards-guide/","https://www.australianfrequentflyer.com.au/anz-rewards-transfer-partners/","https://www.thepointcalculator.com/au/anz-rewards-points/anz-transfer-partners/","https://www.pointhacks.com.au/news/every-major-update-australian-rewards-credit-cards-rba-2026/","https://flighthacks.com.au/flexible-points-devaluation-october-2026/"],"notes":"Earned on ANZ Rewards cards (Rewards, Rewards Platinum, Rewards Black). ANZ Business Rewards points use the same partner rates (official ANZ business transfer form, 01.2026). ANZ Frequent Flyer cards earn Qantas Points directly, not ANZ Reward Points. ANZ Rewards cannot transfer to Qantas directly; the indirect route is via Everyday Rewards. ANZ is the one big-four bank that did not cut transfer rates in the Sept/Oct 2026 RBA-driven changes (Point Hacks 5/9 Oct 2026, Flight Hacks). From 28 Oct 2026, eligible spend for points is capped at $25k (Platinum) or $50k (Black) per statement period. The public ANZ transfer page is JavaScript-rendered. Rates come from the official ANZ business transfer form, ANZ/Velocity/Everyday Rewards official pages, and Point Hacks/AFF. No transfer fee found. Transfers are slow (up to 5 to 18 business days).","partners":[{"id":"velocity","name":"Virgin Australia Velocity Frequent Flyer","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ANZ pages and Velocity: minimum 2,000, then multiples of 2. Up to 5 business days. Auto-redemption available."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ANZ business form: minimum 1,500 = 500 miles, multiples of 1,500. At least 15 business days (beyond the 3-7 day bucket). Point Hacks (Jul 2025) and AFF agree on 3:1."},{"id":"cathay","name":"Cathay (Asia Miles)","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ANZ business form: minimum 3,000 = 1,000, then 1,500 = 500. Up to 18 business days. Point Hacks and AFF agree on 3:1. Champagne Mile gives a 1,500 minimum (older)."},{"id":"airpoints","name":"Air New Zealand Airpoints","type":"airline","ratio":"200:1","partner_points_per_point":0.005,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ANZ business form: 2,000 = 10 Airpoints Dollars, multiples of 2,000, up to 6 business days. Airpoints Dollars are a currency unit (Point Hacks: worth NZ$0.01 per 2 points)."},{"id":"everyday_rewards","name":"Woolworths Everyday Rewards","type":"other","ratio":"2,700:2,000","partner_points_per_point":0.7407,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Added 17 Oct 2025 (ANZ media release). Official: 2,700 ANZ points = 2,000 Everyday Rewards points, multiples of 2,700, up to 7 business days (everyday.com.au). 2,000 Everyday Rewards points convert to 1,000 Qantas Points."},{"id":"world360","name":"World360 Rewards","type":"other","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official ANZ Business Rewards transfer form (01.2026): 2,000 = 1,000 World360 points, up to 5 business days. The Point Calculator (Feb 2026) lists it for ANZ Rewards too, but no official ANZ personal-card page confirmed it. Treat personal-card availability as unconfirmed."}]},{"id":"westpac_au","name":"Westpac Altitude Rewards","kind":"credit_card_points","country":"AU","checked":"2026-11-02","source_urls":["https://www.westpac.com.au/credit-cards/reward/altitude-rewards","https://www.velocityfrequentflyer.com/partners-offers/credit-cards-banking-insurance/westpac","https://www.pointhacks.com.au/news/every-major-update-australian-rewards-credit-cards-rba-2026/","https://flighthacks.com.au/flexible-points-devaluation-october-2026/","https://www.finder.com.au/credit-cards/credit-card-points-downgrades-tracker","https://www.finder.com.au/credit-cards/westpac-credit-cards/how-to-spend-westpac-altitude-points","https://www.australianfrequentflyer.com.au/westpac-altitude-transfer-partners/"],"notes":"Earned on Westpac Altitude Rewards Platinum and Black (and Altitude Business cards). Altitude Qantas and Altitude Velocity cards earn airline points directly instead. The official Westpac page lists 5 partners: Velocity, KrisFlyer, Airpoints, Asia Miles and Everyday Rewards. No Qantas, except via Everyday Rewards. The Altitude terms (effective 30 Sep 2026) contain no transfer ratios. From 30 Sep 2026 (RBA-driven changes): Velocity, KrisFlyer and Asia Miles went from 3:1 to 4:1, Air NZ from 180:1 to 300:1, and a new $75 annual Altitude Rewards program fee applies on Platinum and Black. The same ratios apply to Platinum and Black (Point Hacks). St.George/Bank of Melbourne/BankSA Amplify Rewards is a separate currency (Velocity 2:1 became 4:1, KrisFlyer 3:1 became 4:1) and is not covered here. Minimum transfer 3,000 points, then multiples of 500 (Velocity, Finder).","partners":[{"id":"velocity","name":"Virgin Australia Velocity Frequent Flyer","type":"airline","ratio":"4:1","partner_points_per_point":0.25,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Velocity's official Westpac page: 'You will receive 1 Velocity Point for every 4 Altitude points', allow 3 business days. Minimum 3,000, multiples of 500. Was 3:1 until 29 Sep 2026 (Point Hacks, Flight Hacks)."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"4:1","partner_points_per_point":0.25,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Was 3:1 until 29 Sep 2026; 4:1 from 30 Sep 2026 (Point Hacks, Flight Hacks, Finder). Not confirmed on a Westpac page (rates only shown after login). Transfer time not documented."},{"id":"cathay","name":"Cathay (Asia Miles)","type":"airline","ratio":"4:1","partner_points_per_point":0.25,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Was 3:1 until 29 Sep 2026; 4:1 from 30 Sep 2026 (Point Hacks, Flight Hacks, Finder). Not confirmed on a Westpac page."},{"id":"airpoints","name":"Air New Zealand Airpoints","type":"airline","ratio":"300:1","partner_points_per_point":0.0033,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"300 Altitude points = 1 Airpoints Dollar (a currency unit) from 30 Sep 2026, was 180:1 (Flight Hacks). Not confirmed on a Westpac or Air NZ page, and Point Hacks's RBA tracker does not mention Airpoints."},{"id":"everyday_rewards","name":"Woolworths Everyday Rewards","type":"other","ratio":"1.5:1","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"1.5 Altitude points = 1 Everyday Rewards point, unchanged on 30 Sep 2026 (Flight Hacks, Finder, AFF). 2,000 Everyday Rewards points convert to 1,000 Qantas Points."}]},{"id":"nab_au","name":"NAB Rewards","kind":"credit_card_points","country":"AU","checked":"2026-11-02","source_urls":["https://www.nab.com.au/personal/credit-cards/nab-rewards-cards/rewards-card","https://www.nab.com.au/personal/credit-cards/nab-rewards-cards/platinum-card","https://rewards.nab.com.au/en/redeem/travel-partners.html","https://rewards.nab.com.au/en/redeem/loyalty-partners/ipk.html","https://rewards.nab.com.au/en/auto-redemption.html","https://all.accor.com/a/en/loyalty-program/partners/conditions/nab.html","https://www.airnewzealand.com.au/nab-rewards","https://flighthacks.com.au/flexible-points-devaluation-october-2026/","https://www.pointhacks.com.au/news/every-major-update-australian-rewards-credit-cards-rba-2026/","https://www.finder.com.au/credit-cards/credit-card-points-downgrades-tracker"],"notes":"Earned on NAB Rewards cards. From 1 Oct 2026, Rewards Platinum became the 'NAB Rewards Card' and Rewards Signature became the 'NAB Rewards Travel Card'. NAB Qantas Rewards cards earn Qantas Points directly; NAB Rewards points cannot go to Qantas. On 1 Oct 2026 NAB re-priced every partner. The official NAB product page shows old (until 30 Sep 2026) and new rates side by side: Velocity 2:1 to 3:1, KrisFlyer 3:1 to 5:1, ALL Accor 6:1 to 12:1, Airpoints 200:1 (3,000 = 15) to 330:1 (6,600 = 20), and Flybuys 1:1 to 1.7:1. Flight Hacks reports NAB will apply a one-off top-up to balances held on 1 Oct 2026 by 30 Nov 2026. NAB's illustrative example: a 20,000 balance gets 13,200, about +66%. That roughly offsets the KrisFlyer, Accor and Airpoints re-pricing. Flight Hacks describes non-Velocity partners as 'unchanged', which is only true in top-up-adjusted terms; the published per-point rates did change. NAB Rewards Business Signature cards keep different (older) rates on rewards.nab.com.au, e.g. KrisFlyer 3,000 = 1,000. Some NAB-side and partner-side pages are stale: the NAB auto-redemption page still says 2 NAB = 1 Velocity and 6 NAB = 1 Accor; Accor's NAB conditions page says 6,000 = 1,000; Air NZ's NAB page says 200 = 1.09 Airpoints. The current NAB product page is treated as authoritative.","partners":[{"id":"velocity","name":"Virgin Australia Velocity Frequent Flyer","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official NAB: 6,000 NAB = 2,000 Velocity from 1 Oct 2026 (was 2:1). Auto-redemption available. Transfer time not documented. Business Signature rate not confirmed."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"5:1","partner_points_per_point":0.2,"transfer_time":null,"alt_ratios":[{"cards":["business signature"],"ratio":"3:1","partner_points_per_point":0.3333}],"scheduled_change":null,"active_bonus":null,"notes":"Official NAB: 6,000 NAB = 1,200 KrisFlyer miles from 1 Oct 2026 (was 3,000 = 1,000, i.e. 3:1). Most transfers take 2 business days, up to 15 (rewards.nab.com.au). Business Signature cards: 3,000 = 1,000 (3:1)."},{"id":"airpoints","name":"Air New Zealand Airpoints","type":"airline","ratio":"330:1","partner_points_per_point":0.00303,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official NAB: 6,600 NAB = 20 Airpoints Dollars from 1 Oct 2026 (was 3,000 = 15, i.e. 200:1). Airpoints Dollars are a currency unit. NAB says 'Australian Airpoints Dollars', while Air NZ's NAB page says Airpoints are now NZD-equivalent and still shows the old rate (conflict). Air NZ: up to 10 working days."},{"id":"accor","name":"ALL Accor","type":"hotel","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official NAB: 6,000 NAB = 500 ALL points from 1 Oct 2026 (was 3,000 = 500, i.e. 6:1). Accor's own NAB page still says 6,000 = 1,000 and up to 10 business days (stale)."},{"id":"flybuys","name":"Flybuys","type":"other","ratio":"1.7:1","partner_points_per_point":0.5882,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official NAB: 6,800 NAB = 4,000 Flybuys points from 1 Oct 2026 (was 1:1). Auto-redemption available."}]},{"id":"cba_au","name":"CommBank Yello (formerly CommBank Awards)","kind":"credit_card_points","country":"AU","checked":"2026-11-02","source_urls":["https://www.commbank.com.au/commbank-yello/terms-and-conditions/third-party-terms.html","https://www.commbank.com.au/credit-cards/qantas-frequent-flyer.html","https://www.commbank.com.au/credit-cards/card-updates.html","https://www.commbank.com.au/commbank-yello.html","https://www.velocityfrequentflyer.com/partners-offers/credit-cards-banking-insurance/commonwealth-bank","https://www.everyday.com.au/rewards/partners/banking.html","https://www.pointhacks.com.au/commbank-yello-points-transfer-partners-2026/","https://www.pointhacks.com.au/news/every-major-update-australian-rewards-credit-cards-rba-2026/","https://flighthacks.com.au/flexible-points-devaluation-october-2026/","https://www.mozo.com.au/credit-cards/guides/australia-s-big-bank-rewards-programs"],"notes":"CommBank Awards closed on 29 Sep 2026 and was folded into the bank-wide CommBank Yello points program. Yello points are earned on CommBank credit cards (Smart and Ultimate, among others), with earn rates that depend on the customer's Yello tier (Diamond, Gold, Plus, base). Qantas transfers: Ultimate cardholders only, monthly auto-transfer, $149/yr opt-in fee (was $90 for Awards). Smart Awards lost Qantas access from 1 Oct 2026. Velocity: Smart and Ultimate, monthly auto-transfer, $99/yr opt-in fee (waived for the first 12 months for first-time opt-ins between 5 Nov 2026 and 5 May 2027, plus a 20% bonus for 6 months). Velocity opt-in opens 5 Nov 2026 and the first transfer is on 25 Nov 2026, so it is not yet live on 2 Nov 2026. Qatar: no fee, on-demand transfers from 1 Oct 2026. Old Awards rates: Qantas 2.5:1, Velocity 2:1. Qatar was previously a CommBank Awards partner and returns. Auto-transfer partners (Qantas, Velocity) move the entire eligible balance each month, so these are not on-demand transfers.","partners":[{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official CommBank: 3 Yello = 1 Qantas Point, auto-transferred on the 25th of each month (up to 5 business days). Ultimate card only, $149/yr opt-in. Was 2.5:1 under CommBank Awards."},{"id":"velocity","name":"Virgin Australia Velocity Frequent Flyer","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official CommBank T&Cs and Velocity: 2.5 Yello = 1 Velocity Point, monthly auto-transfer (up to 5 business days), $99/yr opt-in (first year waived on offer). Opt-in opens 5 Nov 2026, first transfer 25 Nov 2026. Was 2:1, no fee, under Awards. The minimum balance is 3 Yello points per CommBank T&Cs but 5 per Velocity's page (minor conflict)."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official CommBank T&Cs: 2,500 Yello = 1,000 Avios, available from 1 Oct 2026, near real time and within 24 hours. No opt-in fee (Point Hacks). First-transfer bonus of 25% for transfers of 50,000+ Yello points, capped at 25,000 bonus Avios."},{"id":"everyday_rewards","name":"Woolworths Everyday Rewards","type":"other","ratio":"3:2","partner_points_per_point":0.6667,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official everyday.com.au: 3,000 CommBank Yello = 2,000 Everyday Rewards points. Point Hacks, Mozo and Flight Hacks agree (1.5:1)."},{"id":"myer_one","name":"MYER one","type":"other","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"2 Yello = 1 MYER one point (Point Hacks, Mozo, Flight Hacks). Not shown on a CommBank page."}]},{"id":"dbs_sg","name":"DBS Points (Singapore)","kind":"credit_card_points","country":"SG","checked":"2026-11-02","source_urls":["https://dbs.com.sg/personal/support/card-rewards-convert-dbs-points-to-frequent-flyer.html","https://mainlymiles.com/2026/10/08/dbs-drops-qantas-as-a-transfer-partner-without-notice/","https://milelion.com/2026/04/11/which-airline-and-hotel-programmes-can-you-transfer-credit-card-points-to/","https://mainlymiles.com/2026/08/13/which-loyalty-schemes-can-you-transfer-your-credit-card-points-to-in-2026/"],"notes":"Official DBS support page: KrisFlyer and Asia Miles at 5,000 DBS Points = 10,000 miles, in blocks of 5,000 DBS Points, via DBS PayLah! or the DBS Rewards website. Fee S$27.25 (incl. GST) per conversion, charged to the selected card; Mainly Miles (Aug 2026) says DBS Insignia cardholders pay no fee. Processing: up to 14 working days for a first conversion, up to 10 working days after that. A KrisFlyer auto-conversion programme exists for DBS Insignia, DBS Black Treasures Elite and DBS Altitude principal cardmembers (S$43.60/year, quarterly, blocks of 500 DBS Points; ratio not stated). DBS also converts 100 DBS Points to 170 KrisPay miles (Kris+), which must be moved to KrisFlyer within 21 days; not listed as a partner here. DBS Points are earned on DBS Altitude, Woman's World, Insignia, Vantage and other DBS cards. No hotel partners. DBS dropped Qantas in late September 2026 (see removed_recently). The DBS page and Mainly Miles disagree on fees: DBS applies S$27.25 to every redemption, but Mainly Miles discusses the fee only for AirAsia (charged since 1 March 2026). The official page wins.","partners":[{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"5,000:10,000","partner_points_per_point":2,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: blocks of 5,000 DBS Points; S$27.25 fee; up to 10 working days (14 for a first conversion). Confirmed by Mainly Miles Oct 2026."},{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"5,000:10,000","partner_points_per_point":2,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: as KrisFlyer. Confirmed by Mainly Miles Oct 2026."},{"id":"airasia","name":"AirAsia Rewards","type":"airline","ratio":"500:1,500","partner_points_per_point":3,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: blocks of 500 DBS Points; S$27.25 fee (waiver ended 1 March 2026 per Mainly Miles). AirAsia points are worth about S$0.003 each (Mainly Miles), so the fee wipes out much of the value."}]},{"id":"uob_sg","name":"UOB UNI$ (Singapore)","kind":"credit_card_points","country":"SG","checked":"2026-11-02","source_urls":["https://forms.uob.com.sg/personal/cards/rewards/miles.html","https://pib.uob.com.sg/online_services/uob_rewards/faq.html","https://mainlymiles.com/2025/12/08/uob-hiking-points-to-miles-conversion-fee-from-15-december/","https://milelion.com/2026/04/23/uob-terminates-krisflyer-auto-conversion-programme/","https://milelion.com/2023/01/23/uob-credit-cards-adds-airasia-as-transfer-partner/","https://milelion.com/2026/04/11/which-airline-and-hotel-programmes-can-you-transfer-credit-card-points-to/"],"notes":"Official UOB page: UNI$ convert on demand in blocks of UNI$5,000 = 10,000 KrisFlyer miles or Asia Miles. Fee S$27 per redemption, up from S$25 on 15 December 2025. The fee is waived when you redeem with a UOB Reserve, Visa Infinite Metal, Visa Infinite or Privilege Banking card. Enrolment with a partner takes 5 working days; UOB states no conversion time. UNI$ are earned on UOB PRVI Miles, Lady's, Preferred Platinum Visa, Visa Signature, Reserve/Visa Infinite and others. The UOB KrisFlyer card credits KrisFlyer directly and does not earn UNI$. Changes: KrisFlyer auto-conversion closed to new enrolment on 20 April 2026 and ended 20 May 2026. Catalogue redemption on the UOB website ended mid-July 2026; redeem through Rewards+ on UOB TMRW. No hotel partners. A ShopBack blog claims UNI$ has no reliable Asia Miles route in 2026; UOB's own page contradicts this.","partners":[{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"5,000:10,000","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official UOB page. Transfer time not stated. S$27 fee unless redeemed with a fee-waived premium card."},{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"5,000:10,000","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official UOB page. Transfer time not stated."},{"id":"airasia","name":"AirAsia Rewards","type":"airline","ratio":"2,500:4,500","partner_points_per_point":1.8,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Not on the current UOB miles page. The ratio comes from MileLion (Jan 2023, at launch) and a SingSaver guide (updated Mar 2024). An undated Home & Decor article says 1 UNI$ = 3 points (min 2,000 UNI$). Mainly Miles (Dec 2025) mentions AirAsia as an option without a ratio. Conversion arrives as an SMS code that must be redeemed in the AirAsia app within 30 days. Treat as lower confidence."}]},{"id":"citi_sg","name":"Citi ThankYou Points / Citi Miles (Singapore)","kind":"credit_card_points","country":"SG","checked":"2026-11-02","source_urls":["https://www.citibank.com.sg/credit-cards/privileges-programs/credit-card-rewards-redemption/points-transfer.html","https://mainlymiles.com/2026/01/30/citi-singapore-to-asia-miles-transfers-are-now-instant/","https://milelion.com/2026/04/11/which-airline-and-hotel-programmes-can-you-transfer-credit-card-points-to/","https://mainlymiles.com/2026/08/13/which-loyalty-schemes-can-you-transfer-your-credit-card-points-to-in-2026/"],"notes":"Citi Singapore runs two currencies. ThankYou Points (Citi Rewards card and others) convert 25,000 Points = 10,000 partner miles or points. Citi Miles (Citi PremierMiles, Prestige) convert 10,000 Miles = 10,000. The official page lists 11 partners, all at the same ratio. Primary ratio below is for ThankYou Points; alt_ratios.citi_miles is 1:1. Fee: S$27.25 (incl. GST) per standard transfer, waived for Citi ULTIMA, and waived on all eligible cards for 'Instant Points Transfer'. Mainly Miles (Jan 2026) confirms Asia Miles transfers are now instant; the official page does not say which other partners are instant. Standard transfers land within 14 business days. Minimums are partner-specific and shown in the Citi Mobile App. FAQ dated July 2025; T&Cs effective 1 March 2026. GrabCoins transfers ended 1 March 2026 (not an airline). Emirates and Malaysia Enrich are not on the current official list.","partners":[{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000. Mainly Miles (30 Jan 2026): Citi transfers to Asia Miles are now instant."},{"id":"avios_ba","name":"The British Airways Club (Avios)","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000."},{"id":"eva","name":"EVA Air Infinity MileageLands","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000. Mainly Miles (Oct 2026) confirms Citi still links to Qantas, with the S$27.25 fee."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000."},{"id":"thai","name":"Thai Airways Royal Orchid Plus","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000."},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000."},{"id":"ihg","name":"IHG One Rewards","type":"hotel","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":null,"alt_ratios":[{"cards":["citi miles"],"ratio":"1:1","partner_points_per_point":1}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi SG page: 25,000 ThankYou Points or 10,000 Citi Miles = 10,000. Official page still calls it 'IHG Rewards Club'."}]},{"id":"hsbc_sg","name":"HSBC Rewards Points (Singapore; TravelOne, Revolution, Premier, Visa Infinite)","kind":"credit_card_points","country":"SG","checked":"2026-11-02","source_urls":["https://www.hsbc.com.sg/credit-cards/rewards/","https://mainlymiles.com/review/hsbc-t1","https://milelion.com/2025/01/08/psa-hsbc-x-krisflyer-devaluation-coming-16-january-2025/","https://milelion.com/2024/12/17/hsbc-keeps-rewards-points-conversions-free-for-all-cardholders/","https://milelion.com/2026/04/11/which-airline-and-hotel-programmes-can-you-transfer-credit-card-points-to/"],"notes":"Official HSBC SG rewards page lists 16 airline and 4 hotel partners, each stated like '25,000 HSBC points : 10,000 Flying Blue Miles'. Ratios differ by partner. Points pool across all HSBC SG cards (since May 2024), so TravelOne, Revolution, Premier Mastercard and Visa Infinite all use the same table. No conversion fee: HSBC dropped a planned fee (MileLion, Dec 2024), and Mainly Miles (Oct 2026) says conversions stay free 'until such time as may be determined by HSBC'. Minimum transfer is 10,000 miles, then increments of 2 miles (Mainly Miles). Redemption is only through the HSBC SG app. Most transfers are instant; Hainan takes up to 5 working days and JAL up to 10 (Mainly Miles). Changes: KrisFlyer went from 25,000:10,000 to 30,000:10,000 on 16 January 2025. Club Vistara dropped out after Vistara merged into Air India in November 2024. The 3.5:1 group (Aeroplan, United and others) has been at that ratio since it was added in 2023-24, not a recent cut. Transfer times come from Mainly Miles; the official page just says 'instantly'.","partners":[{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"avios_ba","name":"The British Airways Club (Avios)","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026). Avios move 1:1 to Qatar, which beats HSBC's direct 3.5:1 to Qatar."},{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"eva","name":"EVA Air Infinity MileageLands","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026). Mainly Miles (Oct 2026): best SG route to Qantas (no fee)."},{"id":"vietnam_lotusmiles","name":"Vietnam Airlines Lotusmiles","type":"airline","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026). Was 2.5:1 until 16 January 2025 (MileLion, Mainly Miles)."},{"id":"thai","name":"Thai Airways Royal Orchid Plus","type":"airline","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"aeroplan","name":"Air Canada Aeroplan","type":"airline","ratio":"3.5:1","partner_points_per_point":0.2857,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026). Added Nov 2023 at 3.5:1 (MileLion)."},{"id":"hainan_fortunewings","name":"Hainan Airlines Fortune Wings Club","type":"airline","ratio":"3.5:1","partner_points_per_point":0.2857,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026). Mainly Miles: up to 5 working days."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"3.5:1","partner_points_per_point":0.2857,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026). Better to go via BA Avios at 2.5:1, then 1:1 to Qatar."},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"3.5:1","partner_points_per_point":0.2857,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"united","name":"United MileagePlus","type":"airline","ratio":"3.5:1","partner_points_per_point":0.2857,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"jal","name":"Japan Airlines Mileage Bank","type":"airline","ratio":"5:1","partner_points_per_point":0.2,"transfer_time":"3-7 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026). Mainly Miles: up to 10 working days."},{"id":"airasia","name":"AirAsia Rewards","type":"airline","ratio":"1.25:1","partner_points_per_point":0.8,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026). AirAsia points work like cashback (worth much less than miles); Mainly Miles advises avoiding. Minimum not stated."},{"id":"ihg","name":"IHG One Rewards","type":"hotel","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"2.5:1","partner_points_per_point":0.4,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"wyndham","name":"Wyndham Rewards","type":"hotel","ratio":"3:1","partner_points_per_point":0.3333,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026)."},{"id":"accor","name":"Accor Live Limitless (ALL)","type":"hotel","ratio":"5:1","partner_points_per_point":0.2,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC SG rewards page; matches Mainly Miles (Oct 2026) and MileLion's table (Oct 2026). Minimum 5,000 ALL points = 25,000 HSBC points (Mainly Miles)."}]},{"id":"amex_mr_sg","name":"American Express Membership Rewards (Singapore)","kind":"credit_card_points","country":"SG","checked":"2026-11-02","source_urls":["https://www.americanexpress.com/en-sg/rewards/membership-rewards/travel/airlines","https://www.americanexpress.com/en-sg/rewards/membership-rewards/travel/hotels","https://milelion.com/2026/01/22/american-express-membership-rewards-devalues-airline-miles-conversions/","https://mainlymiles.com/2026/01/23/amex-devalues-points-to-miles-conversion-ratios-by-50/","https://mainlymiles.com/2026/08/13/which-loyalty-schemes-can-you-transfer-your-credit-card-points-to-in-2026/","https://milelion.com/2026/04/11/which-airline-and-hotel-programmes-can-you-transfer-credit-card-points-to/"],"notes":"Two tiers since the devaluation of 23 February 2026 (MileLion, Mainly Miles). Platinum Charge and Centurion: 500 MR = 250 miles. All other MR cards (Platinum Reserve, Platinum Credit Card, Rewards Card, etc.): 550 MR = 250 miles. Before the cut it was 400:250 and 450:250, so it now costs 22-25% more. Primary ratio below is the Platinum Charge rate; alt_ratios.other_mr_cards is the 550:250 rate. The official SG airline page shows only 550:250 per partner and does not mention the Platinum Charge rate, so the 500:250 figure rests on MileLion, Mainly Miles and SingSaver. Airline minimum is 550 points, in increments of 550 (official); MileLion describes this as 250-mile blocks. Hotel transfers were not devalued. Fees: Mainly Miles and MileLion say transfers are free, but the official airline page says 'An administration fee of SGD$20 applies for point transfer for Rewards Card' on the Qantas entry. That fee is unconfirmed for other partners or cards, so this is a conflict. The co-branded Amex KrisFlyer cards earn KrisFlyer miles directly, not MR. Emirates Skywards has been suspended since 29 May 2025 (see removed_recently).","partners":[{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"500:250","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["other mr cards"],"ratio":"550:250","partner_points_per_point":0.4545}],"scheduled_change":null,"active_bonus":null,"notes":"Official: 550 = 250; up to 4 weeks. Platinum Charge/Centurion 500 = 250 per MileLion (22 Jan 2026) and Mainly Miles (Aug 2026). Transfer time is up to 4 weeks, longer than the normalised buckets allow, so it is left null."},{"id":"eva","name":"EVA Air Infinity MileageLands","type":"airline","ratio":"500:250","partner_points_per_point":0.5,"transfer_time":"3-7 days","alt_ratios":[{"cards":["other mr cards"],"ratio":"550:250","partner_points_per_point":0.4545}],"scheduled_change":null,"active_bonus":null,"notes":"Official: 550 = 250; up to 10 working days. Platinum Charge/Centurion 500 = 250 per MileLion (22 Jan 2026) and Mainly Miles (Aug 2026)."},{"id":"malaysia_enrich","name":"Malaysia Airlines Enrich","type":"airline","ratio":"500:250","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["other mr cards"],"ratio":"550:250","partner_points_per_point":0.4545}],"scheduled_change":null,"active_bonus":null,"notes":"Official: 550 = 250; up to 4 weeks. Platinum Charge/Centurion 500 = 250 per MileLion (22 Jan 2026) and Mainly Miles (Aug 2026). Transfer time is up to 4 weeks, longer than the normalised buckets allow, so it is left null."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"500:250","partner_points_per_point":0.5,"transfer_time":"<24 hours","alt_ratios":[{"cards":["other mr cards"],"ratio":"550:250","partner_points_per_point":0.4545}],"scheduled_change":null,"active_bonus":null,"notes":"Official: 550 = 250; up to one business day; SGD20 admin fee for Rewards Card. Platinum Charge/Centurion 500 = 250 per MileLion (22 Jan 2026) and Mainly Miles (Aug 2026)."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"500:250","partner_points_per_point":0.5,"transfer_time":"<24 hours","alt_ratios":[{"cards":["other mr cards"],"ratio":"550:250","partner_points_per_point":0.4545}],"scheduled_change":null,"active_bonus":null,"notes":"Official: 550 = 250; up to one business day. Platinum Charge/Centurion 500 = 250 per MileLion (22 Jan 2026) and Mainly Miles (Aug 2026)."},{"id":"thai","name":"Thai Airways Royal Orchid Plus","type":"airline","ratio":"500:250","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["other mr cards"],"ratio":"550:250","partner_points_per_point":0.4545}],"scheduled_change":null,"active_bonus":null,"notes":"Official: 550 = 250; up to 4 weeks. Platinum Charge/Centurion 500 = 250 per MileLion (22 Jan 2026) and Mainly Miles (Aug 2026). Transfer time is up to 4 weeks, longer than the normalised buckets allow, so it is left null."},{"id":"avios_ba","name":"The British Airways Club (Avios)","type":"airline","ratio":"500:250","partner_points_per_point":0.5,"transfer_time":"<24 hours","alt_ratios":[{"cards":["other mr cards"],"ratio":"550:250","partner_points_per_point":0.4545}],"scheduled_change":null,"active_bonus":null,"notes":"Official: 550 = 250; up to one business day (allow 3 more working days if a new account must be enrolled). Platinum Charge/Centurion 500 = 250 per MileLion (22 Jan 2026) and Mainly Miles (Aug 2026)."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"1,000:1,000","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000; within 3 weeks (+14 days if account verification is needed). Same for all cards; untouched by the Feb 2026 devaluation (MileLion)."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1,000:1,250","partner_points_per_point":1.25,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000; up to 8 weeks. Same for all cards (MileLion)."},{"id":"accor","name":"Accor Live Limitless (ALL)","type":"hotel","ratio":"1,000:400","partner_points_per_point":0.4,"transfer_time":"1-2 days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: min 1,000, increments of 1,000; estimated 48 hours. Not in MileLion's devaluation table, and MileLion's text counts only two hotel partners, but the official hotels page lists Accor."}]},{"id":"hsbc_hk","name":"HSBC RewardCash (Hong Kong)","kind":"credit_card_points","country":"HK","checked":"2026-11-02","source_urls":["https://www.hsbc.com.hk/credit-cards/rewards/mileage-programme/","https://www.hsbc.com.hk/credit-cards/products/everymile/","https://www.hsbc.com.hk/content/dam/hsbc/hk/tc/docs/credit-cards/everymile/everymile-everyday-spend.pdf","https://www.hsbc.com.hk/credit-cards/rewards/terms/","https://all.accor.com/a/en/loyalty-program/partners/credit-card-rewards/hsbchongkong.html","https://www.moneyhero.com.hk/en/credit-card/products/hsbc-everymile-credit-card"],"notes":"RewardCash (RC$) is HSBC HK's points currency (RC$1 is worth HK$1 against a bill). Transfers go through the HSBC Reward+ app. The rate depends heavily on the card: HSBC EveryMile Credit Card and HSBC Privé holders get RC$1 = 20 miles/points at all 19 programmes (15 airline, 4 hotel). Every other HSBC card (Red, Visa Signature, Premier etc.) can only convert to 5 airline programmes: Asia Miles, China Southern Sky Pearl and Fortune Wings at RC$1 = 10, plus Avios and KrisFlyer at RC$1 = 15 only for valid Premier Mastercard holders; those cards have no hotel or other airline options (shown as alt_ratios). Minimum RC$40 per conversion. HSBC says there are no handling fees (Reward+ FAQ); T&Cs reserve the right to charge a Mileage Programme annual fee. Conversion is instant except Avios, EVA Infinity MileageLands, KrisFlyer and Fortune Wings (up to 2 weeks). Enrolment of a new FFP account can take up to 2 working days. EveryMile/Privé RC can only be redeemed in the Reward+ app. Per MoneyHero (Aug 2026), from 11 May 2026 HSBC added Hilton (EveryMile/Privé only) and Hainan Airlines (Fortune Wings) and China Southern (all cards), bringing the total to 19. One section of HSBC's mileage page omits Qantas from its list, but the EveryMile product page and the page's own table both list Qantas Frequent Flyer, so we include it. Some articles describe 'EveryMile points' converting 1:1 or Marriott at 1:0.8; that doesn't match HSBC's RewardCash system or its published RC$1 = 20 rate.","partners":[{"id":"aeroplan","name":"Air Canada Aeroplan","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion."},{"id":"cathay","name":"Cathay (Asia Miles)","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[{"cards":["other hsbc cards"],"ratio":"1:10","partner_points_per_point":10}],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion."},{"id":"avios_ba","name":"The British Airways Club (Avios)","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":null,"alt_ratios":[{"cards":["premier mastercard"],"ratio":"1:15","partner_points_per_point":15}],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion. Up to 2 weeks."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion."},{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion."},{"id":"finnair","name":"Finnair Plus (Avios)","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion."},{"id":"eva","name":"EVA Air Infinity MileageLands","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion. Up to 2 weeks."},{"id":"vietnam_lotusmiles","name":"Vietnam Airlines Lotusmiles","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion."},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion. Listed on the EveryMile product page and the mileage page table; missing from one list on the mileage page."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":null,"alt_ratios":[{"cards":["premier mastercard"],"ratio":"1:15","partner_points_per_point":15}],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion. Up to 2 weeks."},{"id":"china_southern","name":"China Southern Sky Pearl Club","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[{"cards":["other hsbc cards"],"ratio":"1:10","partner_points_per_point":10}],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion. Added 11 May 2026 per MoneyHero."},{"id":"hainan_fortunewings","name":"Fortune Wings Club (Hainan / Hong Kong Airlines, HNA group)","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":null,"alt_ratios":[{"cards":["other hsbc cards"],"ratio":"1:10","partner_points_per_point":10}],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion. Up to 2 weeks. Hainan Airlines added 11 May 2026 per MoneyHero."},{"id":"accor","name":"ALL - Accor Live Limitless","type":"hotel","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion. Accor's own HSBC HK partner page also says 'Transfer starts from 1 RewardCash = 20 ALL Accor Reward points'. EveryMile/Privé only."},{"id":"ihg","name":"IHG One Rewards","type":"hotel","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion. EveryMile/Privé only."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion. EveryMile/Privé only."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:20","partner_points_per_point":20,"transfer_time":"instant","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official HSBC HK mileage page: EveryMile/Privé rate RC$1 = 20, min RC$40 per conversion. EveryMile/Privé only. Added 11 May 2026 per MoneyHero."}]},{"id":"citi_hk","name":"Citi ThankYou Rewards (Hong Kong), including Citi PremierMiles","kind":"credit_card_points","country":"HK","checked":"2026-11-02","source_urls":["https://www.citibank.com.hk/english/credit-cards/thankyou-rewards/","https://www.citibank.com.hk/english/credit-cards/pdf/thankyou-rewards/points-transfer-redemption-tnc.pdf","https://www.citibank.com.hk/english/credit-cards/premiermiles-cards/index.html","https://www.citibank.com.hk/english/credit-cards/premiermiles-card-tnc/","https://www.citibank.com.hk/english/credit-cards/rewards-card/","https://www.cathaypacific.com/cx/en_US/our-partners/citibank.html","https://milelion.com/2025/05/18/american-express-suspends-points-transfers-to-emirates/"],"notes":"Citi HK points (ThankYou Rewards; Citi PremierMiles earns the same 'Points', advertised as 12 Points = 1 mile) transfer via the Citi Mobile app to 11 programmes (10 airline, 1 hotel). Rate: 12 Points = 1 mile/point for Citi Ultima, Citi Prestige and Citi PremierMiles; 15 Points = 1 for Citi Plus, Citi Rewards, Citi HKTVmall, Citi Gold and Citi Classic (alt_ratios). Cathay's own partner page confirms 12 (Prestige, PremierMiles) and 15 (Rewards). Not eligible: Citi The Club, Cash Back, Octopus and Clear cards. Minimum 18,000 Points per transfer, in multiples of 18,000 (that is 1,500 miles at 12:1). Handling fee HK$200 per transfer for Prestige, PremierMiles, Plus, Rewards, HKTVmall, Gold and Classic; no fee for Ultima, and the Prestige fee is 'waived until further notice'. The Citi Rewards card page says the fee does not apply to Prestige and PremierMiles, while the ThankYou page, transfer T&Cs and PremierMiles T&Cs say PremierMiles pays HK$200; we follow the T&Cs. Crediting: within 5 working days for most partners, 14 working days for KrisFlyer, Etihad and Thai (the T&Cs and PremierMiles T&Cs disagree on KrisFlyer: 14 vs 5 days). The ThankYou page marks Cathay as 'instant transfer'. Max per transfer: 999,999 Asia Miles, 99,999 Royal Orchid Plus miles, 999,999 Qatar Avios. Ratios of 5:1 to Asia Miles or 2:1 to IHG quoted elsewhere don't match Citi's own pages.","partners":[{"id":"avios_ba","name":"The British Airways Club (Avios)","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":"3-7 days","alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000."},{"id":"cathay","name":"Cathay (Asia Miles)","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":"3-7 days","alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000. The ThankYou page labels Cathay 'instant transfer', but the T&Cs say crediting takes up to 5 working days."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":null,"alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000. Up to 14 working days."},{"id":"eva","name":"EVA Air Infinity MileageLands","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":"3-7 days","alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":"3-7 days","alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000."},{"id":"ihg","name":"IHG One Rewards","type":"hotel","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":"3-7 days","alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":"3-7 days","alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":"3-7 days","alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":null,"alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000. Up to 14 working days (transfer T&Cs); the PremierMiles T&Cs say 5."},{"id":"thai","name":"Thai Airways Royal Orchid Plus","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":null,"alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000. Up to 14 working days."},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":"3-7 days","alt_ratios":[{"cards":["citi rewards plus gold classic hktvmall"],"ratio":"15:1","partner_points_per_point":0.0667}],"scheduled_change":null,"active_bonus":null,"notes":"Official Citi HK ThankYou Rewards page: 12 points = 1 for Ultima/Prestige/PremierMiles, 15 points = 1 for other cards. Min 18,000 points, multiples of 18,000."}]},{"id":"amex_mr_hk","name":"American Express Membership Rewards (Hong Kong)","kind":"credit_card_points","country":"HK","checked":"2026-11-02","source_urls":["https://www.americanexpress.com/en-hk/rewards/membership-rewards/travel/all","https://www.americanexpress.com/zh-hk/rewards/membership-rewards/travel/all/","https://www.americanexpress.com/zh-hk/rewards/membership-rewards/about-program","https://www.americanexpress.com/en-hk/benefits/offers/shopping/platinum-membership-rewards-accelerator/","https://www.americanexpress.com/hk/ch/credit-cards/explorer-credit-card/","https://lihkg.com/thread/3504991/page/1","https://www.flyasia.co/2026/amex-mr-points/","https://thepointsguy.com/loyalty-programs/comparing-amex-membership-rewards-point-values-around-the-world/"],"notes":"Amex HK lists 10 partners: 7 airline, 3 hotel. All airline partners are 18,000 MR = 1,000 miles (18:1). The public page says this rate applies to Turbo Program members and that cardmembers should log in to see their card's rate. Amex HK's own 2025-2026 marketing (Platinum Accelerator T&Cs, Explorer page) works out miles at 18 MR = 1 mile, and the 1 Dec 2023 change notice (quoted on LIHKG) set 18,000:1,000 for Centurion, Platinum, Platinum Credit, Explorer, Essential, Gold and the other Turbo-enrolled cards, so 18:1 applies across consumer cards. Corporate cardmembers get 12,000 MR = 1,000 miles (about-program page). Before 1 Dec 2023 the rate was 15:1 (TPG 2020), which TPG's older table still shows. Fees: HK$400 per airline transfer, waived for Centurion, Explorer and Corporate cards; Qantas transfers carry a HK$300 admin fee (not for Centurion/Corporate); hotel transfers are free. MR-earning cards include The Platinum Card, Platinum Credit Card, Explorer, Essential, Gold and Green; Blue Cash does not earn MR. Explorer MR accounts are kept separate from charge-card MR accounts. Emirates Skywards transfers are 'unavailable until further notice' because of system maintenance. Ratios like 1:1.25 to Asia Miles or 3:2 to KrisFlyer quoted for Hong Kong are other markets' ratios; Amex HK's own page says 18:1.","partners":[{"id":"cathay","name":"Cathay (Asia Miles)","type":"airline","ratio":"18:1","partner_points_per_point":0.0556,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Amex HK partner page: 18,000 MR = 1,000 (rate shown for Turbo Program members). Min 18,000, increments 9,000. Estimated 48 hours."},{"id":"malaysia_enrich","name":"Malaysia Airlines Enrich","type":"airline","ratio":"18:1","partner_points_per_point":0.0556,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Amex HK partner page: 18,000 MR = 1,000 (rate shown for Turbo Program members). Min 18,000, increments 9,000. Up to 10 days."},{"id":"eva","name":"EVA Air Infinity MileageLands","type":"airline","ratio":"18:1","partner_points_per_point":0.0556,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Amex HK partner page: 18,000 MR = 1,000 (rate shown for Turbo Program members). Min 18,000, increments 9,000. Up to 10 days."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"18:1","partner_points_per_point":0.0556,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Amex HK partner page: 18,000 MR = 1,000 (rate shown for Turbo Program members). Min 18,000, increments 9,000. Estimated 48 hours. HK$300 admin fee per transfer (not for Centurion/Corporate)."},{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"18:1","partner_points_per_point":0.0556,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Amex HK partner page: 18,000 MR = 1,000 (rate shown for Turbo Program members). Min 18,000, increments 9,000. Up to 15 days."},{"id":"avios_ba","name":"The British Airways Club (Avios)","type":"airline","ratio":"18:1","partner_points_per_point":0.0556,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Amex HK partner page: 18,000 MR = 1,000 (rate shown for Turbo Program members). Min 18,000, increments 9,000. Estimated 48 hours."},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club","type":"airline","ratio":"18:1","partner_points_per_point":0.0556,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Amex HK partner page: 18,000 MR = 1,000 (rate shown for Turbo Program members). Min 18,000, increments 9,000. Estimated 48 hours."},{"id":"accor","name":"ALL - Accor Live Limitless","type":"hotel","ratio":"25:1","partner_points_per_point":0.04,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 25 MR = 1 ALL point, min 25,000, increments 12,500, estimated 48 hours."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"64:10","partner_points_per_point":0.15625,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 64 MR = 10 Hilton points (8,000 MR = 1,250), min 8,000, increments 8,000, estimated 48 hours. FlyAsia confirms 8,000:1,250."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"9:1","partner_points_per_point":0.1111,"transfer_time":"<24 hours","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official: 9 MR = 1 Bonvoy point, min 9,000, increments 9,000, estimated 48 hours. FlyAsia confirms 9:1."}]},{"id":"scb_hk","name":"Standard Chartered 360° Rewards (Hong Kong)","kind":"credit_card_points","country":"HK","checked":"2026-11-02","source_urls":["https://www.sc.com/hk/promotions/credit-cards/new-reward-redemption/","https://comparecard.hk/posts/standard-chartered-asia-miles-conversion-rate-guide/"],"notes":"Standard Chartered HK's 360° Rewards points transfer to one programme only: Asia Miles, at 25,000 points = 1,000 Asia Miles (25:1), the rate since 28 February 2020. KrisFlyer was removed from the 360° Rewards catalogue on that date. Redemptions run through the 360° Rewards Redemption Platform, via online banking or the SC Mobile app; Asia Miles membership details must be registered first. The official page gives no hotel partners and no card-specific transfer rates, and does not state a fee, minimum or processing time for miles. Points can also be converted to cash on designated cards (minimum HK$50). Several SCB HK cards (Smart, Simply Cash) earn cashback rather than 360° points, and the Standard Chartered Cathay Mastercard earns Asia Miles directly, so they are outside this currency. Temporary promotion (excluded from the ratio): 31 Oct to 28 Nov 2026, 25,000 points = 1,100 Asia Miles. The comparecard.hk article (Feb 2026) gives cashback-to-miles rates for Simply Cash/Smart (HK$1 cashback = 15 miles) that we could not confirm on SCB's own pages, so we do not use them.","partners":[{"id":"cathay","name":"Cathay (Asia Miles)","type":"airline","ratio":"25:1","partner_points_per_point":0.04,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official SCB HK 360° Rewards page: 25,000 points per 1,000 Asia Miles (since 28 Feb 2020). Fee, minimum and transfer time are not stated. Promo 31 Oct to 28 Nov 2026: 1,100 miles per 25,000 points."}]},{"id":"rbc_avion_ca","name":"RBC Avion Rewards (Avion Elite)","kind":"credit_card_points","country":"CA","checked":"2026-11-02","source_urls":["https://www.rbcroyalbank.com/credit-cards/travel/avion-rbc-credit-cards.html","https://milesopedia.com/en/guide/strategy/avion-rewards-membership-levels/","https://frugalflyer.ca/blog/transferring-avion-points-whats-your-best-option/","https://princeoftravel.com/guides/rbc-avion-transfer-times","https://blog.rewardscanada.ca/daily-update/march-11-2025/","https://www.nerdwallet.com/ca/p/article/credit-cards/points-pulse-for-may-21-2026"],"notes":"Official RBC page lists four airline conversion partners (AAdvantage 10:7, WestJet 1:1, British Airways Club 1:1, Cathay 1:1). Minimum 1,000, 5,000 or 10,000 Avion points depending on partner (Prince of Travel, May 2023: 10,000 for Avios and Asia Miles, 5,000 for AAdvantage, 1,000 for WestJet). RBC says allow up to 4 weeks; conversions are irreversible. No conversion fee or cap is published. Tiers: Avion Elite (RBC Avion Visa Platinum, Visa Infinite, Visa Infinite Privilege, Visa Business, Visa Infinite Business) gets all partners. Avion Premium (RBC ION / ION+ and some bank products) is restricted. Milesopedia (updated 2026-10-26) contradicts itself: its body text says WestJet only, while its table and FAQ also list Avios and AAdvantage. Cathay is Elite-only in every version. Avion Select (free sign-up) has no partners. Frugal Flyer (2026-09-22): holding any card with 'Avion' in its name lets all your Avion points convert as Elite. Points move 1:1 between linked membership levels (Milesopedia). Ratios are the same for Elite and Premium where Premium has access; Elite and Premium differ only in partner access. RBC runs periodic transfer bonuses, e.g. a 30% bonus to Avios that ended 2026-06-19 (NerdWallet). WestJet Rewards now uses points: the official page says 1 Avion point = 1 WestJet point (older sources say 100 Avion = 1 WestJet dollar, equivalent value).","partners":[{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"Up to 4 weeks per RBC; usually under a week (Prince of Travel)","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official RBC page: 1 Avion point = 1 Avios. Minimum 10,000 (Prince of Travel). Frugal Flyer says RBC sometimes offers bonuses of up to 30%. Avion Premium access is disputed (see general_notes)."},{"id":"cathay","name":"Cathay Pacific Asia Miles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"Up to 4 weeks per RBC; about a week (Prince of Travel)","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official RBC page: 1 Avion point = 1 Asia Mile. Avion Elite only (Milesopedia). Minimum 10,000 (Prince of Travel)."},{"id":"american","name":"American Airlines AAdvantage","type":"airline","ratio":"10:7","partner_points_per_point":0.7,"transfer_time":"Up to 4 weeks per RBC","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official RBC page: 10 Avion points = 7 AAdvantage miles. Minimum 5,000 (Prince of Travel). One third-party summary gave 1:0.75; the official page says 10:7."},{"id":"westjet","name":"WestJet Rewards","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"Up to 4 weeks per RBC","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official RBC page: 1 Avion point = 1 WestJet point (WestJet points are worth about 1 cent each, so this equals the old 100 Avion = 1 WestJet dollar). Minimum 1,000. The only airline partner for Avion Premium (ION) per Milesopedia."},{"id":"triangle","name":"Canadian Tire Triangle Rewards (CT Money)","type":"other","ratio":"140:1","partner_points_per_point":0.0071,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Frugal Flyer (2026-09-22): 140 Avion points = 1 Canadian Tire Money dollar (about 0.71 cents per point); the author calls it poor value. ratio_value is CT Money dollars per Avion point. The RBC and Canadian Tire loyalty partnership was announced March 2025. Not on the RBC airline conversion page."}]},{"id":"hdfc_in","name":"HDFC Bank Reward Points (Infinia / Diners Club Black)","kind":"credit_card_points","country":"IN","checked":"2026-11-02","source_urls":["https://cardadvisor.in/articles/hdfc-reward-points-transfer-guide","https://pointsmath.com/hdfc-bank-points-transfer-partners/","https://all.accor.com/a/en/loyalty-program/partners/credit-card-rewards/hdfc.html","https://www.airindia.com/in/en/maharaja-club/partner-offers/hdfc-bank-credit-cards.html","https://livefromalounge.com/hdfc-bank-transfer-partners-devaluation/","https://livefromalounge.com/hdfc-bank-infinia-diners-club-black-adds-14-new-transfer-partners/","https://livefromalounge.com/more-positive-news-for-hdfc-bank-bizpower-customers-22-transfer-partners-added/","https://www.business-standard.com/amp/finance/personal-finance/hdfc-infinia-credit-card-trims-voucher-returns-as-5x-points-drop-to-3x-126011500373_1.html"],"notes":"HDFC shows its partner ratios only behind a login, so this entry comes from two 2026 guides (CardAdvisor, updated 2026-09-25; PointsMath, 2026-08-15). They agree on almost every ratio. Accor (all.accor.com) and Air India (airindia.com) confirm their ratios officially. Transfers happen on HDFC SmartBuy (reward360), behind a login. Cards: Infinia / Infinia Metal and Diners Club Black / DCB Metal get the main ratio, Regalia Gold gets the worse alt ratio (often 3:1 where Infinia is 2:1). Plain Regalia, Diners Privilege and Diners ClubMiles transfer only to KrisFlyer (PointsMath: Regalia and Diners Privilege 2:1; ClubMiles 1:1). BizPower and Biz Black got 22 partners in July 2026 at 2:1 / 3:1 (LiveFromALounge, 2026-07-26). Monthly partner-transfer caps (CardAdvisor; not on a public HDFC page): Infinia 150,000, Diners Club Black 75,000, Regalia Gold 50,000. Minimum 1,000, multiples of 1,000 (Club ITC 200s). Transfers are irreversible. No transfer fee is reported. Infinia points expire 3 years after accrual. Context: a 1 Feb 2026 statement-redemption cap of 50,000 points/month, and a Jan 2026 SmartBuy voucher earn cut (5X to 3X) that was later reversed. Neither changes transfer ratios. SmartBuy flights/hotels redeem at INR 1/point on Infinia/DCB, the benchmark for transfers.","partners":[{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. CardAdvisor: up to about 7 working days."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. CardAdvisor says it confirmed this against the partner page. Usually instant."},{"id":"finnair","name":"Finnair Plus (Avios)","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Finnair Plus uses Avios, so this is a 1:1 route to Avios. CardAdvisor notes Avios can then move to BA/Qatar."},{"id":"vietnam_lotusmiles","name":"Vietnam Airlines LotusMiles","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."},{"id":"spiceclub","name":"SpiceJet SpiceClub","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."},{"id":"airasia","name":"AirAsia Rewards","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."},{"id":"aeroplan","name":"Air Canada Aeroplan","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"3:1","partner_points_per_point":0.3333}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"3:1","partner_points_per_point":0.3333}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"3:1","partner_points_per_point":0.3333}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. CardAdvisor says it confirmed this against the partner page."},{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"3:1","partner_points_per_point":0.3333}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"3:1","partner_points_per_point":0.3333}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."},{"id":"thai","name":"Thai Royal Orchid Plus","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"3:1","partner_points_per_point":0.3333}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."},{"id":"maharaja_club","name":"Air India Maharaja Club","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"2-4 working days per Air India terms (CardAdvisor)","alt_ratios":[{"cards":["regalia gold"],"ratio":"3:1","partner_points_per_point":0.3333}],"scheduled_change":null,"active_bonus":null,"notes":"Air India's HDFC partner page: Infinia and Diners Black 2:1, Regalia Gold 3:1. Minimum 100 Maharaja Points, multiples of 100, irreversible. Replaced Club Vistara after the Vistara merger (November 2024)."},{"id":"united","name":"United MileagePlus","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"3:1","partner_points_per_point":0.3333}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1 in both sources. Regalia Gold: CardAdvisor says 2:1, PointsMath 3:1 (100:33); we show the more cautious 3:1."},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Was 1:1 until a cut to 2:1 effective 2024-01-15 (LiveFromALounge)."},{"id":"lifemiles","name":"Avianca LifeMiles","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Was 1:1 until a cut to 2:1 effective 2024-01-15 (LiveFromALounge)."},{"id":"accor","name":"Accor ALL","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Official Accor HDFC page: 2 HDFC Reward Points = 1 ALL point. CardAdvisor says 2:1 on all three cards. Was 1:1 until a cut to 2:1 effective 2024-01-15 (LiveFromALounge). CardAdvisor: 1-5 days."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"3:1","partner_points_per_point":0.3333}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. CardAdvisor: 1-5 days."},{"id":"club_itc","name":"ITC Hotels Club ITC","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 2:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Transfers in multiples of 200 (CardAdvisor)."},{"id":"ihg","name":"IHG One Rewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."},{"id":"wyndham","name":"Wyndham Rewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["regalia gold"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Infinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree."}]},{"id":"axis_in","name":"Axis Bank EDGE Miles (Atlas) / EDGE Reward Points (Magnus, Reserve, Burgundy)","kind":"credit_card_points","country":"IN","checked":"2026-11-02","source_urls":["https://magnify.club/guides/axis-accor-returns-miles-and-more-september-2026/","https://magnify.club/guides/axis-bank-transfer-partner-changes-april-2026/","https://magnify.club/guides/axis-qatar-airways-returns-new-transfer-ratios/","https://magnify.club/guides/axis-bank-group-a-group-b-transfer-partners/","https://magnify.club/guides/axis-group-c-points-transfer/","https://cardadvisor.in/press/credit-card-changes-2026-w39","https://flightpoints.com/blogs/axis-atlas-transfer-partners-ratios/","https://livefromalounge.com/axis-bank-credit-cards-to-implement-new-miles-conversion-fees-on-most-credit-cards/","https://livefromalounge.com/axis-bank-mileage-transfer-devaluation/"],"notes":"Main ratio = Atlas (EDGE Miles). alt_ratios = EDGE Reward Points cards: Magnus/Reserve, Magnus for Burgundy, Burgundy Private, Olympus, Horizon, and Select/Privilege/Rewards (10:1). No current official Axis partner table was readable: axisbank.com/miles-transfer now redirects to a sitemap, and the Travel EDGE terms sit behind the EDGE portal. Ratios come from Magnify (Travel EDGE terms checked 2026-09-23), cross-checked with CardAdvisor (W39, published 2026-10-11) and Flightpoints. Partners fall into Group A (tight cap) and Group B. Annual caps per customer ID, calendar year, set by your highest card: Atlas 30,000 Group A + 120,000 Group B. Magnus/Reserve/Select/Horizon 100,000 A + 400,000 B. Magnus for Burgundy 200,000 A + 800,000 B. Burgundy Private 300,000 A + 1,200,000 B. Olympus 150,000 A + 600,000 B. Miles & More has its own 200,000-mile yearly cap and a 3,000-mile minimum (Travel EDGE clause 2.2). Fee: INR 199 + 18% GST per partner transfer (LiveFromALounge, since 2024-12-20). Minimum 500 EDGE Miles per transfer. Dated changes: 2023-09-01 caps introduced and ratios cut, including Magnus 5:4 to 5:2 for non-Burgundy (LiveFromALounge). 2026-04-02 Accor, Marriott and Qatar removed overnight, and BA, Finnair and Vietnam Airlines added at reduced ratios (Atlas 2:1 vs standard 1:2). Qatar reappeared about 2026-07-24 at reduced ratios. On 2026-09-22 Accor returned (reduced), Cathay was added (reduced), Hilton and Miles & More were added to Group B, Flying Blue, Air India and Qantas moved from Group B to Group A (smaller cap), and Club ITC was removed. Axis's terms allow changes without notice.","partners":[{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"aeroplan","name":"Air Canada Aeroplan","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"turkish","name":"Turkish Airlines Miles&Smiles","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"jal","name":"Japan Airlines Mileage Bank","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"united","name":"United MileagePlus","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"ethiopian","name":"Ethiopian ShebaMiles","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"thai","name":"Thai Royal Orchid Plus","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner. Moved from Group B to Group A on 2026-09-22; ratio unchanged (CardAdvisor W39)."},{"id":"maharaja_club","name":"Air India Maharaja Club","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner. Moved from Group B to Group A on 2026-09-22. The Atlas annual limit for Air India fell from 120,000 to 30,000 EDGE Miles (CardAdvisor W39)."},{"id":"qantas","name":"Qantas Frequent Flyer","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner. Moved from Group B to Group A on 2026-09-22. Magnify does not give a Qantas figure; Flightpoints and CardAdvisor report the 1:2 standard and say the ratio was unchanged."},{"id":"wyndham","name":"Wyndham Rewards","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner. Flightpoints lists it in Group A at the general 1:2."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:1","partner_points_per_point":0.2},{"cards":["magnus for burgundy"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:2","partner_points_per_point":2},{"cards":["horizon"],"ratio":"2:1","partner_points_per_point":0.5},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Reduced-ratio partner: Atlas 2 EDGE Miles = 1 partner mile (Magnify, Apr and Jul 2026). Added 2026-04-02."},{"id":"finnair","name":"Finnair Plus (Avios)","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:1","partner_points_per_point":0.2},{"cards":["magnus for burgundy"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:2","partner_points_per_point":2},{"cards":["horizon"],"ratio":"2:1","partner_points_per_point":0.5},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Reduced-ratio partner: Atlas 2 EDGE Miles = 1 partner mile (Magnify, Apr and Jul 2026). Added 2026-04-02."},{"id":"vietnam_lotusmiles","name":"Vietnam Airlines LotusMiles","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:1","partner_points_per_point":0.2},{"cards":["magnus for burgundy"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:2","partner_points_per_point":2},{"cards":["horizon"],"ratio":"2:1","partner_points_per_point":0.5},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Reduced-ratio partner: Atlas 2 EDGE Miles = 1 partner mile (Magnify, Apr and Jul 2026). Added 2026-04-02."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:1","partner_points_per_point":0.2},{"cards":["magnus for burgundy"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:2","partner_points_per_point":2},{"cards":["horizon"],"ratio":"2:1","partner_points_per_point":0.5},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Reduced-ratio partner: Atlas 2 EDGE Miles = 1 partner mile (Magnify, Apr and Jul 2026). Removed 2026-04-02 (was 1:2 on Atlas). Spotted back about 2026-07-24 at reduced ratios with no announcement (Magnify 2026-07-26). Magnify says Select/Privilege/Rewards 10:1 here is unconfirmed."},{"id":"accor","name":"Accor ALL","type":"hotel","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:1","partner_points_per_point":0.2},{"cards":["magnus for burgundy"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:2","partner_points_per_point":2},{"cards":["horizon"],"ratio":"2:1","partner_points_per_point":0.5}],"scheduled_change":null,"active_bonus":null,"notes":"Group A. Removed 2026-04-02; returned 2026-09-22 at '2 EDGE Miles into 1 Accor point' on Atlas (CardAdvisor W39; Magnify). Other cards (Magnify): Burgundy Private 5:4, Magnus for Burgundy 5:2, Magnus/Reserve 5:1, Olympus 1:2, Horizon 2:1."},{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Group A, added 2026-09-22 in the reduced-ratio tier (Magnify; CardAdvisor W39). Neither source gives the figure, so ratio is null. Other reduced partners are 2:1 on Atlas, but that is not confirmed for Cathay."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8}],"scheduled_change":null,"active_bonus":null,"notes":"Group B, added 2026-09-22 at standard ratios (Magnify): Atlas 1:2, Magnus 5:2, Magnus for Burgundy 5:4. CardAdvisor W39 confirms it was added but gives no ratio."},{"id":"miles_and_more","name":"Lufthansa Miles & More","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group B, added 2026-09-22, with its own 200,000-mile yearly cap and 3,000-mile minimum (Travel EDGE clause 2.2). Ratios per Magnify: Atlas 1:1, Burgundy Private 5:4, Magnus for Burgundy 5:4, Magnus/Reserve 5:2, Olympus 1:4, Horizon 1:1, Select/Privilege/Rewards 10:1."},{"id":"indigo_bluchip","name":"IndiGo BluChip","type":"airline","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Group B. Added April 2026. Magnify says it was at standard ratios during an introductory offer and reduced afterwards, with no figure given. CardAdvisor called the April additions 'punishing'. Ratio null pending confirmation."},{"id":"airasia","name":"AirAsia Rewards","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group B. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"spiceclub","name":"SpiceJet SpiceClub","type":"airline","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group B. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"ihg","name":"IHG One Rewards","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group B. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner."},{"id":"radisson","name":"Radisson Rewards","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group B. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner. Listed in Group B by Magnify; Flightpoints does not list it."},{"id":"orchid_rewards","name":"Orchid Hotels Orchid Rewards","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group B. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner. Listed in Group B by Magnify only."},{"id":"postcard","name":"The Postcard Hotel Sunshine Club","type":"hotel","ratio":"1:2","partner_points_per_point":2,"transfer_time":null,"alt_ratios":[{"cards":["magnus reserve"],"ratio":"5:2","partner_points_per_point":0.4},{"cards":["magnus for burgundy"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["burgundy private"],"ratio":"5:4","partner_points_per_point":0.8},{"cards":["olympus"],"ratio":"1:4","partner_points_per_point":4},{"cards":["horizon"],"ratio":"1:1","partner_points_per_point":1},{"cards":["select privilege rewards"],"ratio":"10:1","partner_points_per_point":0.1}],"scheduled_change":null,"active_bonus":null,"notes":"Group B. Atlas 1 EDGE Mile = 2 partner miles (Magnify; Flightpoints; CardAdvisor W39: 'most Atlas airline partners get 1 into 2'). alt_ratios are Magnify's standard-partner rates by card, not confirmed partner by partner. Listed in Group B by Magnify only."}]},{"id":"amex_mr_in","name":"American Express Membership Rewards (India)","kind":"credit_card_points","country":"IN","checked":"2026-11-02","source_urls":["https://magnify.club/guides/amex-india-transfer-partners/","https://livefromalounge.com/american-express-membership-rewards-gets-a-rare-rerating-in-india-with-better-transfers-to-virgin-atlantic-and-hilton-honors/","https://livefromalounge.com/american-express-membership-rewards-will-soon-lose-etihad-guest-as-of-july-1-2026-in-india-as-global-partnership-winds-down/","https://livefromalounge.com/american-express-will-halt-transfers-to-emirates-skywards-temporarily/","https://travelwith.cc/transfers/american-express","https://cardinsider.com/american-express/american-express-credit-cards-reward-point-earning-transfer-partners/"],"notes":"Amex India's transfer page is behind a login (global.americanexpress.com/rewards/transfer), so this entry relies on Magnify (live page read 2026-08-18), LiveFromALounge (2026-08-18) and travelwith.cc (verified Aug 2026). They agree on all ratios. Seven active partners: five airlines and two hotels. Cards earning MR: Platinum Charge, Platinum Travel, Membership Rewards Credit Card, Gold Charge. Most airlines are 2:1, Virgin Atlantic is 5:4. Marriott is the only 1:1. On 2026-08-18 Hilton went from 10:9 to 2:3 and Virgin from 2:1 to 5:4, with no Amex announcement. Magnify cannot tell whether these are permanent or unlabelled bonuses. Issuer SLA is up to 5 working days; observed 1-3 days (travelwith.cc). No transfer fee or cap is reported in 2026 sources. A 2024 forum post listed per-transfer maximums of about 900,000 (unverified now). Amex India has run yearly Marriott transfer bonuses (about 30%).","partners":[{"id":"singapore","name":"Singapore Airlines KrisFlyer","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Magnify read the live Amex India transfer page on 2026-08-18. Minimum 800 MR (Magnify table; travelwith.cc)."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Magnify read the live Amex India transfer page on 2026-08-18. Minimum 1,200 MR (Magnify table; travelwith.cc)."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Magnify read the live Amex India transfer page on 2026-08-18. Minimum 500 MR (Magnify table; travelwith.cc)."},{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Magnify read the live Amex India transfer page on 2026-08-18. Minimum 800 MR (Magnify table; travelwith.cc)."},{"id":"virginatlantic","name":"Virgin Atlantic Flying Club","type":"airline","ratio":"5:4","partner_points_per_point":0.8,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Magnify read the live Amex India transfer page on 2026-08-18. Minimum 800 (multiples of 400) MR (Magnify table; travelwith.cc). Improved from 2:1 to 5:4 on 2026-08-18 (LiveFromALounge; Magnify). Usually immediate; allow 48h (travelwith.cc). A 2024 CardInsider table already showed 5:4, which conflicts with LiveFromALounge's 'old 2:1'."},{"id":"marriott","name":"Marriott Bonvoy","type":"hotel","ratio":"1:1","partner_points_per_point":1,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Magnify read the live Amex India transfer page on 2026-08-18. Minimum 100 MR (Magnify table; travelwith.cc)."},{"id":"hilton","name":"Hilton Honors","type":"hotel","ratio":"2:3","partner_points_per_point":1.5,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Magnify read the live Amex India transfer page on 2026-08-18. Minimum 1,000 MR (Magnify table; travelwith.cc). Improved from 10:9 (1,000 MR = 900) to 2:3 (1,000 MR = 1,500) on 2026-08-18 (LiveFromALounge; Magnify)."}]},{"id":"icici_in","name":"ICICI Bank Reward Points","kind":"credit_card_points","country":"IN","checked":"2026-11-02","source_urls":["https://www.airindia.com/in/en/maharaja-club/partner-offers/icici.html","https://cardadvisor.in/articles/icici-credit-card-ladder-guide","https://book1a.com/tools/transfers/icici/icici-emeralde-private-metal/maharaja-club"],"notes":"ICICI Reward Points have one airline route: Air India Maharaja Club (CardAdvisor, updated 2026-10-15; Air India's ICICI partner page). Emeralde Private Metal and Times Black convert 1:1. Other eligible ICICI cards convert 6:1 (about INR 0.17/point, worse than vouchers). Other cards need a 2,000-point minimum balance; Emeralde Private Metal and Times Black are exempt. Transfers only go to the cardholder's own Maharaja Club ID. Up to 5 working days. No hotel partners. No transfer caps or fees found. An unverified March 2026 claim that ICICI points were rebranded 'Zillion' with InterMiles/MakeMyTrip partners was not confirmed and is left out.","partners":[{"id":"maharaja_club","name":"Air India Maharaja Club","type":"airline","ratio":"1:1","partner_points_per_point":1,"transfer_time":"Up to 5 working days","alt_ratios":[{"cards":["other icici cards"],"ratio":"6:1","partner_points_per_point":0.1667}],"scheduled_change":null,"active_bonus":null,"notes":"1:1 for Emeralde Private Metal and Times Black. 6:1 for other eligible ICICI cards (Air India's ICICI partner page; CardAdvisor). Whether plain Emeralde gets 1:1 is unclear; only Emeralde Private Metal is confirmed."}]},{"id":"enbd_ae","name":"Emirates NBD Plus Points","kind":"credit_card_points","country":"AE","checked":"2026-11-02","source_urls":["https://www.emiratesnbd.com/en/help-and-support/redeeming-plus-points","https://www.etihad.com/en-af/etihadguest/earn-miles/transfer-your-points","https://www.emiratesnbd.com/en/help-and-support/earning-etihad-guest-miles"],"notes":"Plus Points earned on Emirates NBD's own (non-co-brand) cards. ENBD's Skywards and Etihad Guest co-brand cards earn miles directly and are not covered here. 1 Plus Point = AED 1 for travel, dining, Apple products and other redemptions through the Rewards Hub. That makes transfers poor value: 7 Skywards Miles per AED 1 of points is about 14 fils/mile, against common valuations of about 2-3 fils. Use transfers only for a specific high-value award. Frequent-flyer conversions (Skywards, Etihad) need at least 500 Plus Points, and Etihad conversions can only be done by phone banking. Other partners are transferred in the Rewards Hub and credited within 7 working days. Etihad's own page confirms 1 Plus Point = 10 Etihad Guest Miles. Plus Points do not expire while you hold an active ENBD card. No fees or caps are published.","partners":[{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"1:7","partner_points_per_point":7,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Emirates NBD Plus Points redemption page. 1 Plus Point = 7 Skywards Miles; minimum 500 Plus Points."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"1:10","partner_points_per_point":10,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Emirates NBD Plus Points redemption page. 1 Plus Point = 10 Etihad Guest Miles; minimum 500; phone banking only. Etihad's points-transfer page agrees (1 Plus Point = 10 miles)."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"1:14","partner_points_per_point":14,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Emirates NBD Plus Points redemption page. 1 Plus Point = 14 Avios. Credited within 7 working days."},{"id":"maharaja_club","name":"Air India Maharaja Club","type":"airline","ratio":"1:20","partner_points_per_point":20,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Emirates NBD Plus Points redemption page. 1 Plus Point = 20 Maharaja Points. Credited within 7 working days."},{"id":"philippine_mabuhay","name":"Philippine Airlines Mabuhay Miles","type":"airline","ratio":"1:11","partner_points_per_point":11,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Emirates NBD Plus Points redemption page. 1 Plus Point = 11 Mabuhay Miles. Credited within 7 working days."},{"id":"air_arabia","name":"Air Arabia Air Rewards","type":"airline","ratio":"1:14","partner_points_per_point":14,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Emirates NBD Plus Points redemption page. 1 Plus Point = 14 Air Rewards. Credited within 7 working days."},{"id":"shukran","name":"Shukran (Landmark Group)","type":"other","ratio":"1:13","partner_points_per_point":13,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Emirates NBD Plus Points redemption page. 1 Plus Point = 13 Shukrans. Retail loyalty, not travel."}]},{"id":"amex_mr_ae","name":"American Express Membership Rewards (UAE)","kind":"credit_card_points","country":"AE","checked":"2026-11-02","source_urls":["https://www.americanexpress.ae/en-ae/membership-rewards/","https://www.emirates.com/english/skywards/partners/amex/","https://the-global-resident.com/uae/american-express-in-the-uae-is-it-worth-it-in-2026","https://www.headforpoints.com/2026/06/22/last-day-american-express-membership-rewards-points-to-etihad-guest/"],"notes":"UAE cards are issued by American Express Middle East (servicing in Bahrain). The public americanexpress.ae Membership Rewards page says points can go to 'frequent flyer miles with 13 leading airlines' and hotel programmes, but publishes no partner list or ratios. The transfer catalogue needs a login. It values points at 250 MR = USD 1 for Pay with Points. MR points do not expire. The only officially confirmed UAE ratio is Emirates Skywards 2:1, from Emirates' own Amex partner page. No established blog (Frequent Miler, OMAAT) covers the UAE partner list. The only list found is one 2026-05-08 article on the-global-resident.com. Its ratios are recorded in notes with ratio null, as unconfirmed, and it predates the June 2026 Etihad exit. Hotel partners (Marriott, Hilton, etc.) could not be confirmed for UAE cards and are omitted. Do not use the en-xb 'international currency card' or UK pages as a proxy: their ratios differ.","partners":[{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"2:1","partner_points_per_point":0.5,"transfer_time":"Up to 48 hours (Emirates)","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Emirates Amex partner page: '2 Membership Rewards points equal 1 Skywards Mile in the UAE' (also KSA, Kuwait, Bahrain, Qatar, Oman and others). The Global Resident says UAE went from 4:3 to 2:1 in Feb 2026, matching the UK cut on 2026-02-01 (Head for Points). Emirates says allow up to 48 hours. UAE minimum not stated."},{"id":"cathay","name":"Cathay Asia Miles","type":"airline","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Unconfirmed. The Global Resident (2026-05-08) lists 1:1 for UAE cards; no official or second source found."},{"id":"avios_ba","name":"British Airways Club (Avios)","type":"airline","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Unconfirmed. The Global Resident (2026-05-08) lists 3:2 (1 MR = 0.667 Avios) for UAE cards; no official or second source found."},{"id":"flyingblue","name":"Air France-KLM Flying Blue","type":"airline","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Unconfirmed. The Global Resident (2026-05-08) lists 2:1 for UAE cards; no official or second source found."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":null,"partner_points_per_point":null,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Unconfirmed. The Global Resident (2026-05-08) lists 2:1 for UAE cards; no official or second source found."}]},{"id":"mashreq_ae","name":"Mashreq Vantage points (formerly Salaam Points)","kind":"credit_card_points","country":"AE","checked":"2026-11-02","source_urls":["https://www.mashreq.com/-/jssmedia/pdfs/neo/vantage/mashreq-vantage-earning-redemption-en-11-aug-2025-onwards.ashx","https://www.mashreq.com/uae/neo/offer-details/?offer=%7BDD334DA7-00FA-4F8B-9B8F-57B86FB64B18%7D","https://www.mashreq.com/-/jssmedia/pdfs/neo/offers/qatar-tc-vantage_en.ashx","https://www.mashreqalislami.com/-/jssmedia/pdfs/mai/neo/mai-vantage/emirates-skywards.ashx","https://www.mashreq.com/en/uae/neo/mashreq-vantage/"],"notes":"Official Mashreq Vantage earning and redemption PDF (valid from 11 Aug 2025): three airline conversions in the Mashreq Mobile app. For comparison, cashback is 380 points = AED 1, so 32 points per Skywards Mile is about 8.4 fils/mile, 22 per Etihad mile about 5.8 fils, and 17 per Avios about 4.5 fils. Mashreq can change rates without notice. Minimums: Etihad 15,180, Qatar 15,130 (increments of 17), Skywards 15,200 (Mashreq Al Islami PDF). Some offer pages show 'valid until 03/07/2026', but the Aug 2025 rate PDF and the main Vantage page still list all three routes. No hotel partners and no fees found.","partners":[{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"32:1","partner_points_per_point":0.0312,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Mashreq PDF (Aug 2025): 32 Vantage points = 1 Skywards Mile. Minimum 15,200 (Mashreq Al Islami PDF)."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"22:1","partner_points_per_point":0.0455,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Mashreq PDF and offer page: 22 Vantage points = 1 Etihad Guest Mile. Minimum 15,180 (690 miles)."},{"id":"qatar","name":"Qatar Airways Privilege Club (Avios)","type":"airline","ratio":"17:1","partner_points_per_point":0.0588,"transfer_time":"Minimum 3 business days","alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Mashreq PDF and T&Cs: 17 Vantage points = 1 Avios. Minimum 15,130, increments of 17. At least 3 business days."}]},{"id":"fab_ae","name":"FAB Rewards (First Abu Dhabi Bank)","kind":"credit_card_points","country":"AE","checked":"2026-11-02","source_urls":["https://www.emirates.com/ae/english/skywards/partners/fab/","https://www.etihad.com/en-af/etihadguest/earn-miles/transfer-your-points","https://travel.bankfab.com/transfer/programs","https://dubaipoints.ae/guides/uae-transfer-ratios-2026/"],"notes":"FAB Rewards (FAB's proprietary points; FAB Al Futtaim Rewards is a separate variant). Ratios are confirmed on the airlines' own partner pages. DubaiPoints (2026-05-28) says FAB Rewards also converts to Marriott Bonvoy and Avios, but no ratio is published, so those are left out. Separately, a legacy FAB Miles portal (travel.bankfab.com) lists 1,000 FAB Miles = 1,000 Aeroplan, Flying Blue, LifeMiles, BA Avios, Turkish, Hainan, IHG, Jumeirah One and BIG, and 400 Skywards. It still shows Club Vistara (defunct since Nov 2024), so it looks stale. The current FAB Travel Card earns FAB Rewards cashback, so which card still earns FAB Miles is unclear. Left out pending confirmation.","partners":[{"id":"emirates","name":"Emirates Skywards","type":"airline","ratio":"16:1","partner_points_per_point":0.0625,"transfer_time":"Instant","alt_ratios":[{"cards":["fab al futtaim rewards"],"ratio":"12:1","partner_points_per_point":0.0833}],"scheduled_change":null,"active_bonus":null,"notes":"Official Emirates FAB partner page: 16 FAB Rewards = 1 Skywards Mile; 12 FAB Al Futtaim Rewards = 1 Mile. Minimum 16 / 12 and multiples. Credited instantly."},{"id":"etihad","name":"Etihad Guest","type":"airline","ratio":"12:1","partner_points_per_point":0.0833,"transfer_time":null,"alt_ratios":[],"scheduled_change":null,"active_bonus":null,"notes":"Official Etihad points-transfer page: 'Convert 12 FAB Rewards into 1 Etihad Guest Mile'. Kredit.ae agrees (12:1)."}]}],"active_bonuses":[{"bank":"chase_ur","partner":"ihg","partner_name":"IHG One Rewards","region":"US","bonus_pct":80,"ratio_with_bonus":"1:1.8","starts":"2026-11-01","ends":"2026-12-03","targeted":false,"notes":"Runs to 11:59pm ET on 3 December 2026. Chase ran 100% (July) and 70% (Aug) bonuses earlier this year, so this is smaller. Several reviewers note IHG points are worth less than Chase points, so it mostly suits hotel stays you already plan to book.","sources":["https://www.doctorofcredit.com/chase-ultimate-rewards-80-transfer-bonus-to-ihg-11-8-5/","https://thepointsparty.com/articles/chase-transfer-bonuses-avios-ihg-wyndham-november-2026"]},{"bank":"chase_ur","partner":"wyndham","partner_name":"Wyndham Rewards","region":"US","bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":null,"ends":"2026-12-03","targeted":false,"notes":"Ends 3 December 2026 per several sources; the start date is not confirmed.","sources":["https://onemileatatime.com/deals/chase-wyndham-transfer-bonus/","https://thepointsparty.com/articles/chase-transfer-bonuses-avios-ihg-wyndham-november-2026"]},{"bank":"amex_mr","partner":"virginatlantic","partner_name":"Virgin Atlantic Flying Club","region":"US","bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":"2026-11-02","ends":"2026-11-30","targeted":false,"notes":"Runs 2 to 30 November 2026, per OMAAT and The Points Guy. 40% is the best Amex has offered for this pairing; 30% is the most common.","sources":["https://onemileatatime.com/deals/amex-virgin-atlantic-transfer-bonus/","https://thepointsguy.com/news/amex-virgin-atlantic-transfer-bonus/"]},{"bank":"amex_mr","partner":"marriott","partner_name":"Marriott Bonvoy","region":"US","bonus_pct":35,"ratio_with_bonus":"1:1.35","starts":"2026-10-20","ends":"2026-12-10","targeted":null,"notes":"Official terms (quoted by LoyaltyLobby): 12:00am MST 10/20/2026 to 11:59pm MST 12/10/2026, 1,000-pt minimum, bonus points may take up to 72 hours. Doctor of Credit describes it as targeted to 'some' members; Frequent Miler, LoyaltyLobby and Upgraded Points present it as generally available. Check your own transfer page. Most trackers value Marriott points at ~0.7-0.9 cents, so it's usually only worth it as a top-off.","sources":["https://loyaltylobby.com/2026/10/25/amex-membership-rewards-us-to-marriott-bonvoy-conversion-bonus-until-december-10-2026/","https://frequentmiler.com/35-percent-transfer-bonus-american-express-membership-rewards-marriott-bonvoy/","https://www.doctorofcredit.com/american-express-transfer-bonus-35-to-marriott-11-35-2/"]},{"bank":"chase_ur","partner":"avios_ba","partner_name":"British Airways Club (Avios)","region":"US","bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":"2026-11-01","ends":"2026-12-01","targeted":false,"notes":"Runs 12am ET Nov 1 to 11:59pm ET Dec 1, 2026. Also covers Iberia and Aer Lingus. OMAAT calls 30% 'as good as it gets' for this pairing.","sources":["https://onemileatatime.com/deals/chase-british-airways-transfer-bonus/"]},{"bank":"chase_ur","partner":"avios_iberia","partner_name":"Iberia Club (Avios)","region":"US","bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":"2026-11-01","ends":"2026-12-01","targeted":false,"notes":"Same promotion as the Chase to British Airways bonus.","sources":["https://onemileatatime.com/deals/chase-british-airways-transfer-bonus/"]},{"bank":"chase_ur","partner":"avios_aerlingus","partner_name":"Aer Lingus AerClub (Avios)","region":"US","bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":"2026-11-01","ends":"2026-12-01","targeted":false,"notes":"Same promotion as the Chase to British Airways bonus.","sources":["https://onemileatatime.com/deals/chase-british-airways-transfer-bonus/"]},{"bank":"capital_one","partner":"virginatlantic","partner_name":"Virgin Atlantic Flying Club","region":"US","bonus_pct":30,"ratio_with_bonus":"1:1.3","starts":"2026-10-21","ends":"2026-11-20","targeted":false,"notes":"Ends 11:59pm ET Nov 20, 2026. Also applies to Virgin Red. No registration needed.","sources":["https://frequentmiler.com/current-point-transfer-bonuses/","https://upgradedpoints.com/news/current-credit-card-transfer-bonuses/","https://www.pointsfrog.com/news/capital-one-miles-virgin-atlantic-flying-club-30-percent-bonus-november-2026"]},{"bank":"capital_one","partner":"flyingblue","partner_name":"Air France-KLM Flying Blue","region":"US","bonus_pct":20,"ratio_with_bonus":"1:1.2","starts":"2026-11-01","ends":"2026-11-30","targeted":false,"notes":"12am ET Nov 1 to 11:59pm ET Nov 30, 2026. No registration, no cap. The bonus posts with the transfer.","sources":["https://onemileatatime.com/deals/capital-one-flying-blue-transfer-bonus/","https://www.insideflyer.com/posts/capital-one-offers-20-bonus-on-flying-blue-transfers/"]},{"bank":"citi_ty","partner":"cathay","partner_name":"Cathay Pacific Asia Miles","region":"US","bonus_pct":10,"ratio_with_bonus":"1:1.1","starts":"2026-10-25","ends":"2026-11-14","targeted":false,"notes":"1:1.1 applies to Strata Elite, Strata Premier, Prestige and AT&T Access More. Select no-annual-fee Citi cards get 1,000:770. Ends 11:59pm ET Nov 14. AwardWallet says it's the first Citi bonus to Asia Miles since July 2024.","sources":["https://frequentmiler.com/current-point-transfer-bonuses/","https://awardwallet.com/news/citi-thankyou-rewards/cathay-pacific-transfer-bonus/"]},{"bank":"amex_mr_uk","partner":"hilton","partner_name":"Hilton Honors","region":"UK","bonus_pct":40,"ratio_with_bonus":"1:2.8","starts":"2026-09-29","ends":"2026-11-24","targeted":false,"notes":"Amex UK official page. Base 1:2, 200-pt minimum in increments of 50, no enrolment. Base points post within 5 business days; the bonus posts separately, up to 20 business days later. Head for Points says it's the first UK Hilton bonus since 2022.","sources":["https://www.americanexpress.com/en-gb/rewards/membership-rewards/partner/Hilton-Honors/HH","https://www.headforpoints.com/2026/10/01/american-express-hilton-honors-40-transfer-bonus/"]}]}