As of 2026, HDFC Bank has 22 transfer partners, including both airline and hotel programs. The list has changed since 2023 with several additions, a few removals, and some important ratio updates — all of which affect the value of your points. Here’s the updated list of HDFC Bank transfer partners in 2026 and how the program has changed since 2023.
HDFC Bank Points Airlines Transfer Partners
HDFC Bank has 16 airline transfer partners, of which 11 were added in 2023. In February 2025, Air India was added, followed by Cathay Pacific & Thai Airways, while Singapore Airlines remains a legacy partner.
Unlike Axis, HDFC has maintained a transfer ratio with airline partners, demonstrating good business acumen. The most popular airline or big airline partner ratios have been kept at 100:50, whereas a few airline partners have a 100:100 ratio. However, Airline partners with low ratios can offer a decent points value if awards are researched properly.
Here is the complete list of HDFC Airlines Points Transfer Partners:
| Airlines | Frequent Flyer Program | Airline Alliance | Conversion Ratio [For Infinia & DCB] | Conversion Ratio [For Regalia Gold] | Time Taken |
| Air Canada | Aeroplan | Star Alliance | 100:50 | 100:33 | 24 Hours |
| Air Asia | AirAsia rewards | None | 100:100 | 100:50 | 24 Hours |
| Air India | Maharaja Club | Star Alliance | 100:50 | 100:33 | 48-96 Hours |
| Avianca | Lifemiles | Star Alliance | 100:50 | 100:50 | 24 Hours |
| British Airways | Executive Club | OneWorld | 100:50 | 100:33 | 24 Hours |
| Cathay Pacific | Asia Miles | OneWorld | 100:50 | 100:33 | 24 Hours |
| Etihad Airways | Etihad Guest | None | 100:50 | 100:33 | 24 Hours |
| Finnair | Finnair Plus | OneWorld | 100:100 | 100:50 | 24 Hours |
| Air France/KLM | Flying Blue | SkyTeam | 100:100 | 100:50 | 24 Hours |
| Qatar Airways | Privilege Club | OneWorld | 100:50 | 100:33 | 24 Hours |
| Vietnam Airlines | LotusSmiles | SkyTeam | 100:100 | 100:50 | 24 Hours |
| Thai Airways | Royal Orchid Plus | Star Alliance | 100:50 | 100:33 | 24 Hours |
| Turkish Airlines | Miles & Smiles | Star Alliance | 100:50 | 100:50 | 24 Hours |
| United Airlines | United Mileage Plus | Star Alliance | 100:50 | 100:33 | 24 Hours |
| Spicejet | SpiceClub | None | 100:100 | 100:50 | 24 Hours |
| Singapore Airlines* | KrisFlyer | Star Alliance | 100:100 | 100:50 | 7 Working Days |
Among the above Airline partners, Singapore Airlines has been a long-standing partner of HDFC Bank.
HDFC BizBlack Airline Transfer Partners
You can also transfer Biz Black points via NetBanking to Singapore Airlines in a 1:1 ratio. However, point transfers to other airline partners are not available.
HDFC Bank Points Hotels Transfer Partners
When HDFC added Airline Partners, it also introduced some notable Hotel Transfer Partners and industry firsts, including Accor and Wyndham. HDFC have recently added Marriott Bonvoy & Radisson Rewards as its latest hotel transfer partner.
Here is the complete list of HDFC Hotels Points Transfer Partners:
| Hotels | Conversion Ratio [For Infinia & DCB] | Conversion Ratio [For Regalia Gold] | Time Taken |
| ALL-Accor Live Limitless | 100:50 | 100:50 | 24 Hours |
| Club ITC | 100:50 | 100:50 | 48-96 Hours |
| Marriott Bonvoy | 100:50 | 100:33 | 24 Hours |
| IHG One Rewards | 100:100 | 100:50 | 24 Hours |
| Radisson Rewards | 100:100 | 100:50 | 24 Hours |
| Wyndham Rewards | 100:100 | 100:50 | 24 Hours |
Related: How do you transfer HDFC Points to transfer partners [Airlines & Hotels]?
Exclusive Points Transfer Partners
Three of the 22 transfer partners are exclusive points transfer partners of HDFC Bank. These are:
- Avianca Lifemiles
- Finnair Plus
- Radisson Rewards (Not worth it!)
Earlier, Aeroplan, Accor, Vietnam Airlines, and Wyndham were HDFC Bank’s exclusive partners, and were subsequently added by Axis Bank or HSBC Bank.
Best HDFC Bank Transfer Partners
HDFC Bank has some no-brainer transfer partners where transferring makes sense:
- Air France-KLM Flying Blue:
- The program has several use cases. For example, using miles for flying blue miles during promo rewards or booking partner awards like Vietnam Airlines.
- Finnair Plus:
- It’s best to earn Avios at1:1 instead of transferring to British Airways or Qatar Airways.
- Booking Qatar Airways Business class, Cathay Pacific and Malaysia Airlines short-haul business class for a good price.
- Singapore Airlines:
- A great program to fly South Asia or Asia Pacific on Singapore Airlines flight, along with booking during Krisflyer Spontaneous Escapes.
- Accor:
- Even though the transfer ratio is 2:1, you still get ₹1 value per point, as 2000 Accor points are worth €40.
- Make the most out of your Accor stays with the Accor+ Explorer membership.
- IHG:
- It makes sense to transfer during a bonus and when you have an IHG Elite status.
- Wyndham Rewards:
- For stays when the cash price is high.
Should you transfer HDFC Points to Air India?
Vistara Airlines was merged with Air India. Last year, Air India became a transfer partner of HDFC. The transfer ratio is a 2:1 ratio for Infinia and Diners black but it doesn’t look good.
Air India has high redemption requirements on several routes, and it runs year-round discount sales, allowing you to book flights for less rather than redeeming points. At the same time, HDFC Infinia and Diners Club points can be redeemed for ₹1 per point, and you can get a better deal when redeeming these points instead of transferring. If you need Air India points, it’s better to have an Axis Card or an HSBC Travel One card.
Can you Transfer Points from all HDFC Credit cards to Airline or Hotel Partners?
No. Not all credit card points are eligible for transfer to Transfer Partners. Here is the list showing eligible cards and their transfer partners
- All 22 Partners Available:
- Infinia
- Diners Club Black (DCB)
- Regalia Gold [Review]
- Only two partners [Singapore] are available:
- HDFC BizBlack
- Diners ClubMiles
- Diners Privilege [Card Issued Before 15th June 2023]
- Regalia
Here is the Transfer Ratio of these cards to three common transfer partners:
| Credit Cards | Singapore Airlines |
| Diners BizBlack | 100 RP=100 Krisflyer Miles |
| Diners ClubMiles | 100 RP=100 Krisflyer Miles |
| Diners Privilege [Old Card] | 100 RP=50 Krisflyer Miles |
| Regalia Gold | 100 RP=50 Krisflyer Miles |
| Regalia | 100 RP=50 Krisflyer Miles |
The partners listed above are also former Transfer Partners of HDFC Bank.
Also, for Infinia, Diners Club Black and Regalia Gold, all 21 transfer partners are available.
Transfer Partner Update History (2023–2026)
- Before 2023:
- Singapore Airlines and Vistara were available partners.
- 2023:
- HDFC Bank introduced points transfers to partner programs.
- 2024:
- Transfer ratios for Avianca Lifemiles, Turkish Airlines and Accor changed from 1:1 to 2:1 for Infinia and Diners Black.
- Hainan Airlines was removed.
- Vistara was removed after the Air India merger.
- Transfer Bonus:
- Accor: 75%
- Avianca Lifemiles: 30%
- Air Asia: 50%
- Air France/KLM: 30%
- Etihad: 40% & 20%
- IHG: 80%
- 2025:
- Air India, Club ITC, Cathay Pacific, Marriott Bonvoy, Thai Airways, Qatar Airways & Radisson Rewards were added.
- Transfer Bonus (Only for Diners Black):
- British Airways: 75%
- Etihad: 75%
- IHG: 75%
- ITC: 75%
- United Airlines: 75%
How to transfer HDFC points to partners?
For all transfer partners except Singapore Airlines, you must use the “HDFC SmartBuy” website to transfer points.
Once there, click on your card, e.g., HDFC Infinia, HDFC Diners Black, or HDFC Regalia Gold. Then move to “Miles Transfer.” After that, select the program you want to transfer your points to. Enter your membership or frequent flyer number and the number of points to transfer, then submit.
For Singapore Airlines, you must log in to Net Banking and go to the cards section. From there, choose to redeem points, and you will be redirected to a new website where you can transfer your points.
Related: Step-by-Step Guide on how to transfer HDFC Points.
How long does it take to transfer HDFC points?
HDFC points to transfer partners that are transferred immediately in most cases, except Air India & Singapore Airlines.
It may take two to three days with Singapore Airlines. After Amex, I transferred points the fastest on HDFC. This makes HDFC points a reliable way to top up points when needed. However, Air India points are not instant. I recently transferred HDFC Points to Air India, and it took a few hours to receive the points.
Bottomline
HDFC now has 22 points and transfer partners, which put HDFC Bank in the game. However, the conversion is a bit disappointing in a few cases. However, for a few, it is exceptional. Overall, it is excellent for Indian Travellers and cardholders, as they now have several point-transfer partners.
