Updated: Guide to HDFC Bank Points Transfer Partners

HDFC Bank added several points transfer partners in 2023, fourteen Partners, to be exact. Earlier this year, HDFC have added one more transfer partner, Air India. Recently, they have added Marriott Bonvoy, Cathay Pacific & Thai Airways, and with these additions, HDFC Bank now has 21 transfer partners. Some of these partners already have tie-ups with Axis Bank or American Express. However, a few of them are exclusive to HDFC Bank. Here is the complete guide on HDFC Bank Points Transfer Partners.

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, and subsequently, Cathay Pacific & Thai Airways were added, 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 adequately.

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 [New]	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 [Earlier 120]
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
AirFrance/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.

Thoughts on Airline Partners

Vistara Airlines has merged with Air India. Now, Air India has also become a transfer partner of HDFC. I expected that Air India would be added as a transfer partner, but the 2:1 ratio for Infinia doesn’t look good. One of the reasons I understand this has been done is that HDFC thinks there can be high redemption towards Air India, so instead of devaluing it later, they have kept the ratio lower. With this transfer ratio, it will not make sense to transfer HDFC Points, especially Infinia points, to Air India in most cases, as Infinia points are worth ₹1. You may be able to purchase an Air India flight ticket with Infinia points for less and earn Air India Points or points from its partner airlines at the same time. The sole reason for transferring points to Air India from HDFC can be a small top-up of points. Update: The points transfer took around 2 hours, so the transfer time is not long.

What has changed? HDFC Bank has quietly added Cathay Pacific & Thai Airways as new transfer partners. However, at the same time, it has removed Hainan Airlines.

Note: You can also transfer Biz Black points via NetBanking to Singapore Airlines in a 1:1 ratio.

Do you know? You can get 100% More Avios from HDFC Reward Points.

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 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
Wyndham Rewards	100:100	100:50	24 Hours

Note: Intermiles is also an HDFC Bank Transfer Partner with a 100:100 Ratio, which has been excluded from both airline and hotel bookings. You can use Intermiles to book flights or hotels with an airline. However, the value can be low.

Related: How do you transfer HDFC Points to transfer partners [Airlines & Hotels]?

Exclusive Points Transfer Partners

Three of the 19 transfer partners are exclusive points transfer partners of HDFC Bank. These are:

• Avianca Lifemiles
• Finnair Plus
• Lotusmiles Program (Now also a partner of HSBC)

Earlier, Aeroplan, Accor, and Wyndham were exclusive partners of HDFC Bank, which Axis Bank subsequently joined.

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 19 Partners Available:
  • Infinia
  • Diners Club Black (DCB)
  • Regalia Gold [Review]
• Only Three Partners [Singapore, Vistara & Intermiles] Available:
  • 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	Intermiles	KrisFlyer
Diners ClubMiles	100 RP=100 Intermiles	100 RP=100 Krisflyer Miles
Diners Privilege [Old Card]	100 RP=50 Intermiles	100 RP=50 Krisflyer Miles
Regalia Gold	100 RP=50 Intermiles	100 RP=50 Krisflyer Miles
Regalia	100 RP=50 Intermiles	100 RP=50 Krisflyer Miles

The above partners are also old Transfer Partners of HDFC Bank.

Also, for Infinia, Diners Club Black and Regalia Gold, all 21 are available as transfer partners.

Note: You can also transfer Biz Black points via NetBanking to Singapore Airlines in a 1:1 ratio.

How to Transfer HDFC Points?

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 to which you want to transfer your points. Enter your membership or frequent flyer number, along with the number of points to be transferred, and then submit.

You must log in to Net Banking for Singapore Airlines and move 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.

How long does it take to transfer HDFC points?

HDFC Points to 21 transfer partners that are transferred immediately in most cases. However, points transfer takes two to three days for 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 21 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 since they now have several point transfer partners.