Transfer Partner Tool
Pick any loyalty program. See every Indian credit card that transfers to it, ranked by effective miles per Rs100 of spend. All ratios verified from issuer websites and official program T&C, July 2026.
How to read the results
Effective earn rate is calculated as: base earn rate (per Rs100) multiplied by the transfer ratio. A card that earns 6 points per Rs100 at a 5:2 ratio to KrisFlyer delivers 2.4 effective KrisFlyer miles per Rs100 — not 6. This is the number that matters for accumulation decisions.
Earn rate shown is the base rate for general or travel spend. Some cards have elevated rates for specific categories (dining, online, travel portal). These are noted in the detail column where applicable.
Cards not listed for a program do not transfer to it. A card that transfers at extremely poor ratios (10:1 or worse) is shown with an Avoid tag and red border. Transfer to a different program from that card.
Data sources
All transfer ratios are sourced from issuer websites and official program T&C documents. Earn rates are from card product pages. Data is verified as of July 7, 2026. Programs and ratios change; verify with your issuer before initiating any transfer.