HDFC (IN) transfers to 16 airlines and 6 hotel programs. Airlines: Singapore Airlines KrisFlyer 1:1, Air France-KLM Flying Blue 1:1, Finnair Plus 1:1, Vietnam Airlines LotusMiles 1:1, SpiceJet SpiceClub 1:1. Checked 2 November 2026.
Airlines
Ratio is HDFC points to partner miles. A point is worth a different amount in each country, so compare within India.
| Partner | Ratio (HDFC : partner) | 10,000 points become | Transfer time |
|---|---|---|---|
 Singapore Airlines KrisFlyerInfinia/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. Other cards: regalia_gold: 2:1 | 1:1 | 10,000 | Varies |
 Air France-KLM Flying BlueInfinia/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. Other cards: regalia_gold: 2:1 | 1:1 | 10,000 | Varies |
 Finnair PlusInfinia/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. Other cards: regalia_gold: 2:1 | 1:1 | 10,000 | Varies |
 Vietnam Airlines LotusMilesInfinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 2:1 | 1:1 | 10,000 | Varies |
 SpiceJet SpiceClubInfinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 2:1 | 1:1 | 10,000 | Varies |
 AirAsia RewardsInfinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 2:1 | 1:1 | 10,000 | Varies |
 Air Canada AeroplanInfinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 3:1 | 2:1 | 5,000 | Varies |
 British Airways ClubInfinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 3:1 | 2:1 | 5,000 | Varies |
 Qatar Airways Privilege ClubInfinia/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. Other cards: regalia_gold: 3:1 | 2:1 | 5,000 | Varies |
 Cathay Asia MilesInfinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 3:1 | 2:1 | 5,000 | Varies |
 Etihad GuestInfinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 3:1 | 2:1 | 5,000 | Varies |
 Thai Royal Orchid PlusInfinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 3:1 | 2:1 | 5,000 | Varies |
 Air India Maharaja ClubOfficial Air India HDFC partner page (search snippet; the page timed out on direct fetch): 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 (Nov 2024). O | 2:1 | 5,000 | 2-4 working days per Air India terms (CardAdvisor) |
 United MileagePlusInfinia/DCB 2:1 in both sources. Regalia Gold conflict: CardAdvisor says 2:1, PointsMath says 3:1 (100:33). alt_ratios uses PointsMath's 3:1, the more conservative figure. Other cards: regalia_gold: 3:1 | 2:1 | 5,000 | Varies |
 Turkish Airlines Miles&SmilesInfinia/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). Other cards: regalia_gold: 2:1 | 2:1 | 5,000 | Varies |
 Avianca LifeMilesInfinia/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). Other cards: regalia_gold: 2:1 | 2:1 | 5,000 | Varies |
Hotels
| Partner | Ratio (HDFC : partner) | 10,000 points become | Transfer time |
|---|---|---|---|
 Accor ALLOfficial 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. Other cards: regalia_gold: 2:1 | 2:1 | 5,000 | Varies |
 Marriott BonvoyInfinia/DCB 2:1, Regalia Gold 3:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. CardAdvisor: 1-5 days. Other cards: regalia_gold: 3:1 | 2:1 | 5,000 | Varies |
| ITC Hotels Club ITCInfinia/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). Other cards: regalia_gold: 2:1 | 2:1 | 5,000 | Varies |
 IHG One RewardsInfinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 2:1 | 1:1 | 10,000 | Varies |
 Wyndham RewardsInfinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 2:1 | 1:1 | 10,000 | Varies |
 Radisson RewardsInfinia/DCB 1:1, Regalia Gold 2:1, per CardAdvisor (updated 2026-09-25) and PointsMath (2026-08-15), which agree. Other cards: regalia_gold: 2:1 | 1:1 | 10,000 | Varies |
Good to know
HDFC's own pages returned HTTP 403 (bot protection), so this entry is built from two 2026 secondary 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, via search snippet) 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.
Recently removed or suspended
- Club Vistara. Retired after Vistara merged into Air India (Nov 2024) and replaced by Air India Maharaja Club (CardAdvisor; PointsMath). HDFC's exact cut-off date was not found.
- Hainan Airlines Fortune Wings Club. Listed at 1:1 in LiveFromALounge's 2023 article but missing from both 2026 partner tables. Removal date not found.
- InterMiles. Listed as a Net Banking transfer option in 2023 (LiveFromALounge) but missing from 2026 tables. Date not found.
Questions
What are the HDFC transfer partners?
As of 2 November 2026, HDFC transfers to 16 airlines and 6 hotel programs: Singapore Airlines KrisFlyer 1:1, Air France-KLM Flying Blue 1:1, Finnair Plus 1:1, Vietnam Airlines LotusMiles 1:1, SpiceJet SpiceClub 1:1, AirAsia Rewards 1:1, Air Canada Aeroplan 2:1, British Airways Club 2:1, and more.
What is the HDFC to Singapore Airlines KrisFlyer transfer ratio?
1:1: 10,000 HDFC points become 10,000 Singapore Airlines KrisFlyer miles. Other cards: regalia_gold: 2:1.
Is it worth transferring HDFC points to airlines?
Usually only for a specific award you have already found, often a premium-cabin seat. Compare the miles needed (plus taxes and surcharges) against the cash fare before you move points: transfers can't be undone, and conversion fees can apply.
Sources: cardadvisor.in, pointsmath.com, all.accor.com, airindia.com, livefromalounge.com, livefromalounge.com, livefromalounge.com, business-standard.com. Ratios change; check your bank's own transfer page before you move points. Every currency side by side: Points Ratio Index.
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