{
  "dataset": "CardAdvisor — India Credit Card Points Transfer Graph",
  "description": "Every Indian credit-card reward currency and every published transfer route between currencies and airline/hotel programmes, with numeric ratios, tier gates, caps and official sources. What each destination currency is worth in rupees is our valuation model and is published on cardadvisor.in/transfers, not in this dataset — the graph publishes the raw edges so any route can be evaluated against a valuation of your choosing. Independent, no paid placements. Free to cite with attribution.",
  "publisher": "CardAdvisor",
  "license": "CC BY 4.0",
  "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
  "citation": "CardAdvisor — India Credit Card Points Transfer Graph Dataset v2026-09-17, https://cardadvisor.in/data/v/2026-09-17/transfers.json.",
  "source": "https://cardadvisor.in/transfers",
  "homepage": "https://cardadvisor.in/data",
  "asOf": "2026-09-10",
  "verifiedFrom": "2026-07-01",
  "version": "v2026-09-17",
  "schemaVersion": 6,
  "generatedAt": "2026-09-17T16:48:59.276Z",
  "nodeCount": 55,
  "edgeCount": 156,
  "nodeFieldDictionary": {
    "id": "Stable identifier for the reward currency or loyalty programme.",
    "kind": "BANK (an issuer reward currency) | AIRLINE | HOTEL.",
    "name": "Display name of the currency / programme.",
    "programUrl": "The programme's own page, where recorded.",
    "cardCount": "Active catalogue cards earning this currency (0 for partner programmes).",
    "lastVerified": "When this programme’s valuation was last checked (ISO-8601). Nodes are verified on different days, so this is per-node and the dataset-level asOf is not a substitute. BANK currencies carry null: their value is derived from their own routes, so the partner node at the end of the route is what gets re-checked."
  },
  "edgeFieldDictionary": {
    "from": "Source node id.",
    "to": "Destination node id.",
    "fromUnits": "Transfer ratio, source side — fromUnits source points convert to toUnits destination points.",
    "toUnits": "Transfer ratio, destination side.",
    "ratio": "Human-readable ratio label.",
    "issuerControlled": "true = the transfer is made in the bank's own portal; false = the hop happens inside your loyalty account, outside the bank's control.",
    "minTier": "Minimum card tier the issuer requires for this route, where gated.",
    "minTransfer": "Minimum transfer increment, where published.",
    "cap": "Transfer cap, where published.",
    "transferTime": "Typical transfer time, where published.",
    "confidence": "HIGH | MEDIUM | LOW | UNVERIFIED — how well the ratio is documented. UNVERIFIED means no one has assessed the route yet, which is different from doubting it; before schema v4 those rows published as HIGH.",
    "sourceUrl": "Official programme / issuer source for the route, where recorded.",
    "lastVerified": "When this individual route was last checked (ISO-8601). Rows are verified on different days, so this is per-edge and the dataset-level asOf is not a substitute.",
    "provenanceTier": "ISSUER | PROGRAMME | CARDHOLDER | UNVERIFIED — who published the document this route rests on. ISSUER is the bank that executes the transfer, in its own document, and is the party whose terms govern the ratio you receive; PROGRAMME is the destination programme describing the same route from its side. Prefer this to counting sourceUrl: the 131 citations in this dataset resolve to 30 documents, one of which stands behind 48 routes. It is not a claim that anyone read the document and confirmed the ratio — that is confidence, and 2 ISSUER-tiered routes are still UNVERIFIED on it.",
    "speed": "WITHIN_A_DAY | WITHIN_THREE_DAYS | WITHIN_A_WEEK | OVER_A_WEEK | UNKNOWN — transferTime bucketed so routes are comparable. Worst case, in calendar days, with working days counted at 7/5, so 'up to 3 business days' is WITHIN_A_WEEK rather than WITHIN_THREE_DAYS. transferTime beside it stays the issuer's own wording."
  },
  "nodes": [
    {
      "id": "AEROPLAN",
      "kind": "AIRLINE",
      "name": "Air Canada Aeroplan",
      "programUrl": "https://www.aircanada.com/aeroplan",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "FLYING_BLUE",
      "kind": "AIRLINE",
      "name": "Air France-KLM Flying Blue",
      "programUrl": "https://wwws.airfrance.fr/flyingblue",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "AIR_INDIA_MAHARAJA",
      "kind": "AIRLINE",
      "name": "Air India Maharaja Club",
      "programUrl": "https://www.airindia.com/maharajaclub",
      "cardCount": 0,
      "lastVerified": "2026-07-02"
    },
    {
      "id": "LIFEMILES",
      "kind": "AIRLINE",
      "name": "Avianca LifeMiles",
      "programUrl": "https://www.lifemiles.com",
      "cardCount": 0,
      "lastVerified": "2026-07-16"
    },
    {
      "id": "BA_EXECUTIVE_CLUB",
      "kind": "AIRLINE",
      "name": "British Airways Executive Club (Avios)",
      "programUrl": "https://www.britishairways.com/executive-club",
      "cardCount": 0,
      "lastVerified": "2026-07-02"
    },
    {
      "id": "ASIA_MILES",
      "kind": "AIRLINE",
      "name": "Cathay Asia Miles",
      "programUrl": "https://www.cathaypacific.com/cx/en_IN/asia-miles.html",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "EVA_INFINITY",
      "kind": "AIRLINE",
      "name": "EVA Air Infinity MileageLands",
      "programUrl": "https://www.evaair.com/en-global/ism/infinity-mileagelands/",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "EMIRATES_SKYWARDS",
      "kind": "AIRLINE",
      "name": "Emirates Skywards",
      "programUrl": "https://www.emirates.com/in/english/skywards/",
      "cardCount": 0,
      "lastVerified": "2026-07-17"
    },
    {
      "id": "ETHIOPIAN_SHEBAMILES",
      "kind": "AIRLINE",
      "name": "Ethiopian Airlines ShebaMiles",
      "programUrl": "https://www.ethiopianairlines.com/aa/shebamiles",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "ETIHAD_GUEST",
      "kind": "AIRLINE",
      "name": "Etihad Guest",
      "programUrl": "https://www.etihadguest.com",
      "cardCount": 0,
      "lastVerified": "2026-07-01"
    },
    {
      "id": "FINNAIR_PLUS",
      "kind": "AIRLINE",
      "name": "Finnair Plus (Avios)",
      "programUrl": "https://www.finnair.com/en/finnair-plus",
      "cardCount": 0,
      "lastVerified": "2026-07-02"
    },
    {
      "id": "HAINAN_FORTUNE_WINGS",
      "kind": "AIRLINE",
      "name": "Hainan Airlines Fortune Wings Club",
      "programUrl": "https://www.hainanairlines.com",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "INDIGO_BLUCHIP",
      "kind": "AIRLINE",
      "name": "IndiGo BluChip",
      "programUrl": "https://www.goindigo.in/bluchip.html",
      "cardCount": 0,
      "lastVerified": "2026-09-05"
    },
    {
      "id": "JAL_MILEAGE_BANK",
      "kind": "AIRLINE",
      "name": "Japan Airlines JAL Mileage Bank",
      "programUrl": "https://www.jal.co.jp/en/jmb/",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "QANTAS_FREQUENT_FLYER",
      "kind": "AIRLINE",
      "name": "Qantas Frequent Flyer",
      "programUrl": "https://www.qantas.com/in/en/frequent-flyer.html",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "QATAR_PRIVILEGE_CLUB",
      "kind": "AIRLINE",
      "name": "Qatar Airways Privilege Club (Avios)",
      "programUrl": "https://www.qatarairways.com/privilegeclub",
      "cardCount": 0,
      "lastVerified": "2026-07-02"
    },
    {
      "id": "SAUDIA_ALFURSAN",
      "kind": "AIRLINE",
      "name": "Saudia AlFursan",
      "programUrl": "https://www.saudia.com/pages/loyalty/alfursan",
      "cardCount": 0,
      "lastVerified": "2026-07-17"
    },
    {
      "id": "KRISFLYER",
      "kind": "AIRLINE",
      "name": "Singapore Airlines KrisFlyer",
      "programUrl": "https://www.singaporeair.com/krisflyer",
      "cardCount": 0,
      "lastVerified": "2026-07-02"
    },
    {
      "id": "SPICEJET_SPICECLUB",
      "kind": "AIRLINE",
      "name": "SpiceJet SpiceClub",
      "programUrl": "https://www.spicejet.com/SpiceClub.aspx",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "THAI_ROYAL_ORCHID",
      "kind": "AIRLINE",
      "name": "Thai Airways Royal Orchid Plus",
      "programUrl": "https://www.thaiairways.com/en/royal_orchid_plus/",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "TURKISH_MILES_SMILES",
      "kind": "AIRLINE",
      "name": "Turkish Airlines Miles&Smiles",
      "programUrl": "https://www.turkishairlines.com/en-int/miles-and-smiles/",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "UNITED_MILEAGEPLUS",
      "kind": "AIRLINE",
      "name": "United MileagePlus",
      "programUrl": "https://www.united.com/en/us/fly/mileageplus.html",
      "cardCount": 0,
      "lastVerified": "2026-07-01"
    },
    {
      "id": "VIETNAM_LOTUSMILES",
      "kind": "AIRLINE",
      "name": "Vietnam Airlines Lotusmiles",
      "programUrl": "https://www.vietnamairlines.com/lotusmiles",
      "cardCount": 0,
      "lastVerified": "2026-07-02"
    },
    {
      "id": "VIRGIN_ATLANTIC",
      "kind": "AIRLINE",
      "name": "Virgin Atlantic Flying Club",
      "programUrl": "https://www.virginatlantic.com/flying-club",
      "cardCount": 0,
      "lastVerified": "2026-09-05"
    },
    {
      "id": "AIRASIA_REWARDS",
      "kind": "AIRLINE",
      "name": "airasia rewards",
      "programUrl": "https://www.airasia.com/rewards/",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "AU_RP",
      "kind": "BANK",
      "name": "AU Reward Points",
      "programUrl": null,
      "cardCount": 17,
      "lastVerified": null
    },
    {
      "id": "AMEX_MR",
      "kind": "BANK",
      "name": "Amex Membership Rewards",
      "programUrl": null,
      "cardCount": 7,
      "lastVerified": null
    },
    {
      "id": "AXIS_EDGE_MILES",
      "kind": "BANK",
      "name": "Axis EDGE Miles",
      "programUrl": null,
      "cardCount": 5,
      "lastVerified": null
    },
    {
      "id": "AXIS_EDGE_RP",
      "kind": "BANK",
      "name": "Axis EDGE Reward Points",
      "programUrl": null,
      "cardCount": 16,
      "lastVerified": null
    },
    {
      "id": "BOB_RP",
      "kind": "BANK",
      "name": "BOB Reward Points",
      "programUrl": null,
      "cardCount": 16,
      "lastVerified": null
    },
    {
      "id": "FEDERAL_RP",
      "kind": "BANK",
      "name": "Federal Reward Points",
      "programUrl": null,
      "cardCount": 4,
      "lastVerified": null
    },
    {
      "id": "HDFC_RP",
      "kind": "BANK",
      "name": "HDFC Reward Points",
      "programUrl": null,
      "cardCount": 13,
      "lastVerified": null
    },
    {
      "id": "HSBC_RP",
      "kind": "BANK",
      "name": "HSBC Reward Points",
      "programUrl": null,
      "cardCount": 5,
      "lastVerified": null
    },
    {
      "id": "ICICI_RP",
      "kind": "BANK",
      "name": "ICICI Reward Points",
      "programUrl": null,
      "cardCount": 13,
      "lastVerified": null
    },
    {
      "id": "IDFC_RP",
      "kind": "BANK",
      "name": "IDFC Reward Points",
      "programUrl": null,
      "cardCount": 17,
      "lastVerified": null
    },
    {
      "id": "INDUSIND_RP",
      "kind": "BANK",
      "name": "IndusInd Reward Points",
      "programUrl": null,
      "cardCount": 21,
      "lastVerified": null
    },
    {
      "id": "KOTAK_AIR_MILES",
      "kind": "BANK",
      "name": "Kotak Air Miles",
      "programUrl": null,
      "cardCount": 3,
      "lastVerified": null
    },
    {
      "id": "KOTAK_RP",
      "kind": "BANK",
      "name": "Kotak Reward Points",
      "programUrl": null,
      "cardCount": 8,
      "lastVerified": null
    },
    {
      "id": "RBL_RP",
      "kind": "BANK",
      "name": "RBL Reward Points",
      "programUrl": null,
      "cardCount": 20,
      "lastVerified": null
    },
    {
      "id": "SBI_TRAVEL_CREDITS",
      "kind": "BANK",
      "name": "SBI Card Travel Credits",
      "programUrl": null,
      "cardCount": 3,
      "lastVerified": null
    },
    {
      "id": "SBI_RP",
      "kind": "BANK",
      "name": "SBI Reward Points",
      "programUrl": null,
      "cardCount": 26,
      "lastVerified": null
    },
    {
      "id": "SC_RP",
      "kind": "BANK",
      "name": "Standard Chartered Reward Points",
      "programUrl": null,
      "cardCount": 6,
      "lastVerified": null
    },
    {
      "id": "TATA_NEUCOIN",
      "kind": "BANK",
      "name": "Tata NeuCoins",
      "programUrl": null,
      "cardCount": 2,
      "lastVerified": null
    },
    {
      "id": "YES_RP",
      "kind": "BANK",
      "name": "YES Reward Points",
      "programUrl": null,
      "cardCount": 11,
      "lastVerified": null
    },
    {
      "id": "ACCOR_ALL",
      "kind": "HOTEL",
      "name": "Accor ALL",
      "programUrl": "https://all.accor.com",
      "cardCount": 0,
      "lastVerified": "2026-07-02"
    },
    {
      "id": "CLUB_ITC",
      "kind": "HOTEL",
      "name": "Club ITC",
      "programUrl": "https://www.itchotels.com/in/en/clubitc",
      "cardCount": 0,
      "lastVerified": "2026-09-05"
    },
    {
      "id": "HILTON_HONORS",
      "kind": "HOTEL",
      "name": "Hilton Honors",
      "programUrl": "https://www.hilton.com/en/hilton-honors/",
      "cardCount": 0,
      "lastVerified": "2026-09-05"
    },
    {
      "id": "IHG_ONE_REWARDS",
      "kind": "HOTEL",
      "name": "IHG One Rewards",
      "programUrl": "https://www.ihg.com/onerewards",
      "cardCount": 0,
      "lastVerified": "2026-09-05"
    },
    {
      "id": "JUMEIRAH_ONE",
      "kind": "HOTEL",
      "name": "Jumeirah One",
      "programUrl": "https://www.jumeirah.com/en/loyalty",
      "cardCount": 0,
      "lastVerified": "2026-07-17"
    },
    {
      "id": "MARRIOTT_BONVOY",
      "kind": "HOTEL",
      "name": "Marriott Bonvoy",
      "programUrl": "https://www.marriott.com/loyalty.mi",
      "cardCount": 0,
      "lastVerified": "2026-07-02"
    },
    {
      "id": "ORCHID_REWARDS",
      "kind": "HOTEL",
      "name": "Orchid Rewards (Petals)",
      "programUrl": "https://www.orchidhotel.com",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "RADISSON_REWARDS",
      "kind": "HOTEL",
      "name": "Radisson Rewards",
      "programUrl": "https://www.radissonhotels.com/en-us/rewards",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "SHANGRI_LA_CIRCLE",
      "kind": "HOTEL",
      "name": "Shangri-La Circle",
      "programUrl": "https://www.shangri-la.com/en/corporate/shangrilacircle/",
      "cardCount": 0,
      "lastVerified": "2026-07-17"
    },
    {
      "id": "POSTCARD_SUNSHINE_CLUB",
      "kind": "HOTEL",
      "name": "The Postcard Sunshine Club",
      "programUrl": "https://www.postcardresorts.com/the-postcard-sunshine-club",
      "cardCount": 0,
      "lastVerified": "2026-07-15"
    },
    {
      "id": "WYNDHAM_REWARDS",
      "kind": "HOTEL",
      "name": "Wyndham Rewards",
      "programUrl": "https://www.wyndhamhotels.com/wyndham-rewards",
      "cardCount": 0,
      "lastVerified": "2026-09-04"
    }
  ],
  "edges": [
    {
      "from": "HDFC_RP",
      "to": "KRISFLYER",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "HIGH",
      "sourceUrl": "https://www.singaporeair.com/en_UK/us/ppsclub-krisflyer/earn-miles/earn-on-the-ground/financial-services-partners/",
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "HDFC_RP",
      "to": "FLYING_BLUE",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "HIGH",
      "sourceUrl": "https://www.flyingblue.com/en/earn/partners/hdfc-bank",
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "HDFC_RP",
      "to": "FINNAIR_PLUS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "ACCOR_ALL",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "HIGH",
      "sourceUrl": "https://all.accor.com/loyalty-program/partners/conditions/hdfc/index.en.shtml",
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "HDFC_RP",
      "to": "VIETNAM_LOTUSMILES",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "WYNDHAM_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "SPICEJET_SPICECLUB",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "IHG_ONE_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "RADISSON_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "AIRASIA_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "AEROPLAN",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 3:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "LIFEMILES",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "ASIA_MILES",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 3:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "HIGH",
      "sourceUrl": "https://www.cathaypacific.com/cx/en_IN/our-partners/hdfc-bank.html",
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "HDFC_RP",
      "to": "UNITED_MILEAGEPLUS",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "QATAR_PRIVILEGE_CLUB",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 3:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "HIGH",
      "sourceUrl": "https://www.qatarairways.com/en-in/Privilege-Club/partner-detail/banks-and-credit-cards/hdfc.html",
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "HDFC_RP",
      "to": "BA_EXECUTIVE_CLUB",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 3:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "TURKISH_MILES_SMILES",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "ETIHAD_GUEST",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 3:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "CLUB_ITC",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 100 Green Points (200 RP), in multiples of 100 Green Points",
      "cap": null,
      "transferTime": "2–4 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.itchotels.com/in/en/clubitc/partners/hdfc-bank",
      "lastVerified": "2026-09-05",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "HDFC_RP",
      "to": "THAI_ROYAL_ORCHID",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 3:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "HDFC_RP",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 3:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "HIGH",
      "sourceUrl": "https://www.airindia.com/in/en/maharaja-club/partner-offers/hdfc-bank-credit-cards.html",
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "HDFC_RP",
      "to": "MARRIOTT_BONVOY",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 3:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 72h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-16",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "AIRASIA_REWARDS",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "AEROPLAN",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "FLYING_BLUE",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "BA_EXECUTIVE_CLUB",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "1:2 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "ETHIOPIAN_SHEBAMILES",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "ETIHAD_GUEST",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "FINNAIR_PLUS",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "1:2 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "IHG_ONE_REWARDS",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "INDIGO_BLUCHIP",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "1:2 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "CLUB_ITC",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "JAL_MILEAGE_BANK",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "ORCHID_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "POSTCARD_SUNSHINE_CLUB",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "QANTAS_FREQUENT_FLYER",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "QATAR_PRIVILEGE_CLUB",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "1:2 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": null,
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "UNKNOWN",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "RADISSON_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "KRISFLYER",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "SPICEJET_SPICECLUB",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~1,20,000 EDGE Miles/yr (Group B) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "THAI_ROYAL_ORCHID",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "TURKISH_MILES_SMILES",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "UNITED_MILEAGEPLUS",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "VIETNAM_LOTUSMILES",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "1:2 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_MILES",
      "to": "WYNDHAM_REWARDS",
      "fromUnits": 1,
      "toUnits": 2,
      "ratio": "1:4 – 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 EDGE Miles",
      "cap": "~30,000 EDGE Miles/yr (Group A) within a 1,50,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "AIRASIA_REWARDS",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 5:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "AEROPLAN",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "FLYING_BLUE",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "BA_EXECUTIVE_CLUB",
      "fromUnits": 5,
      "toUnits": 1,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "ETHIOPIAN_SHEBAMILES",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "ETIHAD_GUEST",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "FINNAIR_PLUS",
      "fromUnits": 5,
      "toUnits": 1,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "IHG_ONE_REWARDS",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "INDIGO_BLUCHIP",
      "fromUnits": 5,
      "toUnits": 1,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "CLUB_ITC",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 5:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "JAL_MILEAGE_BANK",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "ORCHID_REWARDS",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "POSTCARD_SUNSHINE_CLUB",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "QANTAS_FREQUENT_FLYER",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "QATAR_PRIVILEGE_CLUB",
      "fromUnits": 5,
      "toUnits": 1,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": null,
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "UNKNOWN",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "RADISSON_REWARDS",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "KRISFLYER",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "SPICEJET_SPICECLUB",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 5:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~4,00,000 EDGE Reward Points/yr (Group B) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "THAI_ROYAL_ORCHID",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "TURKISH_MILES_SMILES",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "UNITED_MILEAGEPLUS",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "VIETNAM_LOTUSMILES",
      "fromUnits": 5,
      "toUnits": 1,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AXIS_EDGE_RP",
      "to": "WYNDHAM_REWARDS",
      "fromUnits": 5,
      "toUnits": 2,
      "ratio": "5:4 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 300 EDGE Reward Points",
      "cap": "~1,00,000 EDGE Reward Points/yr (Group A) within a 5,00,000/yr ceiling",
      "transferTime": "Up to 3 business days",
      "confidence": "HIGH",
      "sourceUrl": "https://traveledge.axis.bank.in/travel/common/termsandcondition",
      "lastVerified": "2026-09-10",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AMEX_MR",
      "to": "MARRIOTT_BONVOY",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 24h",
      "confidence": "UNVERIFIED",
      "sourceUrl": null,
      "lastVerified": "2026-07-15",
      "speed": "WITHIN_A_DAY",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "AMEX_MR",
      "to": "KRISFLYER",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 24h",
      "confidence": "UNVERIFIED",
      "sourceUrl": null,
      "lastVerified": "2026-08-18",
      "speed": "WITHIN_A_DAY",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "AMEX_MR",
      "to": "BA_EXECUTIVE_CLUB",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 24h",
      "confidence": "UNVERIFIED",
      "sourceUrl": null,
      "lastVerified": "2026-07-15",
      "speed": "WITHIN_A_DAY",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "AMEX_MR",
      "to": "QATAR_PRIVILEGE_CLUB",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 24h",
      "confidence": "UNVERIFIED",
      "sourceUrl": null,
      "lastVerified": "2026-07-15",
      "speed": "WITHIN_A_DAY",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "AMEX_MR",
      "to": "ASIA_MILES",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Multiples of 1,000 pts",
      "cap": null,
      "transferTime": "Instant – 24h",
      "confidence": "UNVERIFIED",
      "sourceUrl": null,
      "lastVerified": "2026-07-15",
      "speed": "WITHIN_A_DAY",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "AMEX_MR",
      "to": "VIRGIN_ATLANTIC",
      "fromUnits": 5,
      "toUnits": 4,
      "ratio": "5:4",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 800 MR, then multiples of 400",
      "cap": null,
      "transferTime": "Instant (up to 48h)",
      "confidence": "UNVERIFIED",
      "sourceUrl": "https://www.americanexpress.com/content/dam/amex/in/benefits/VirginHilton_Aug26.pdf",
      "lastVerified": "2026-08-18",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "AMEX_MR",
      "to": "HILTON_HONORS",
      "fromUnits": 2,
      "toUnits": 3,
      "ratio": "2:3",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 MR per transaction",
      "cap": null,
      "transferTime": "Instant (up to 7 days)",
      "confidence": "UNVERIFIED",
      "sourceUrl": "https://www.americanexpress.com/content/dam/amex/in/benefits/VirginHilton_Aug26.pdf",
      "lastVerified": "2026-08-18",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "INDUSIND_RP",
      "to": "KRISFLYER",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 – 4:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 pts, in multiples of 100",
      "cap": null,
      "transferTime": "Up to 15 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.singaporeair.com/en_UK/in/plan-travel/local-promotions/krisflyer-partners/",
      "lastVerified": "2026-08-06",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "INDUSIND_RP",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 – 4:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 pts, in multiples of 100",
      "cap": "Max 25,000 Reward Points a calendar month",
      "transferTime": "2–4 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.airindia.com/in/en/maharaja-club/partner-offers/indusind-bank-credit-cards.html",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "INDUSIND_RP",
      "to": "CLUB_ITC",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 pts",
      "cap": null,
      "transferTime": "10–12 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.itchotels.com/in/en/clubitc/partners/indusInd-bank",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "HSBC_RP",
      "to": "ACCOR_ALL",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "KRISFLYER",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "QATAR_PRIVILEGE_CLUB",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Up to 5 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "BA_EXECUTIVE_CLUB",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "ETIHAD_GUEST",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "UNITED_MILEAGEPLUS",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 3:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "MARRIOTT_BONVOY",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "FLYING_BLUE",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "VIETNAM_LOTUSMILES",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "EVA_INFINITY",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "JAL_MILEAGE_BANK",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Up to 10 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "QANTAS_FREQUENT_FLYER",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "THAI_ROYAL_ORCHID",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "HAINAN_FORTUNE_WINGS",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 4:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Up to 5 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "TURKISH_MILES_SMILES",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1 / 4:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "IHG_ONE_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "WYNDHAM_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "SHANGRI_LA_CIRCLE",
      "fromUnits": 5,
      "toUnits": 1,
      "ratio": "5:1 / 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "HSBC_RP",
      "to": "AIRASIA_REWARDS",
      "fromUnits": 1,
      "toUnits": 3,
      "ratio": "1:3 / 1:2 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": "No cap",
      "transferTime": "Instant – 1 working day",
      "confidence": "HIGH",
      "sourceUrl": "https://www.hsbc.co.in/credit-cards/products/premier/rewards/",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "ICICI_RP",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 – 6:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 2,000 ICICI Reward Points",
      "cap": null,
      "transferTime": "Up to 5 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.airindia.com/in/en/maharaja-club/partner-offers/icici.html",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "YES_RP",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 8,
      "toUnits": 1,
      "ratio": "8:1 – 10:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.airindia.com/in/en/maharaja-club/partner-offers/yes-bank-credit-cards.html",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "RBL_RP",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.airindia.com/in/en/maharaja-club/partner-offers/rbl-bank.html",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "RBL_RP",
      "to": "KRISFLYER",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "MEDIUM",
      "sourceUrl": "https://www.rbl.bank.in/personal-banking/cards/credit-cards/nova-credit-card",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "RBL_RP",
      "to": "QATAR_PRIVILEGE_CLUB",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "MEDIUM",
      "sourceUrl": "https://www.rbl.bank.in/personal-banking/cards/credit-cards/nova-credit-card",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "RBL_RP",
      "to": "CLUB_ITC",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 2:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum on Nova/Lumière",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.itchotels.com/in/en/clubitc/partners/rbl-bank",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "FEDERAL_RP",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 6,
      "toUnits": 1,
      "ratio": "6:1 / 7:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.airindia.com/in/en/maharaja-club/partner-offers/federal-bank.html",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "FEDERAL_RP",
      "to": "KRISFLYER",
      "fromUnits": 7,
      "toUnits": 1,
      "ratio": "7:1 – 13:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "7–15 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.singaporeair.com/en_UK/in/ppsclub-krisflyer/earn-miles/earn-on-the-ground/financial-services-partners/",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "KOTAK_AIR_MILES",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 – 3:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 miles (2,000 on Solitaire)",
      "cap": "No cap, except Kotak Air: 1,00,000 miles/calendar year",
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/miles-transfer-ratio-01092025.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "KOTAK_AIR_MILES",
      "to": "ACCOR_ALL",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 miles (2,000 on Solitaire)",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/miles-transfer-ratio-01092025.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "KOTAK_AIR_MILES",
      "to": "QATAR_PRIVILEGE_CLUB",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 miles (2,000 on Solitaire)",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/miles-transfer-ratio-01092025.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "KOTAK_AIR_MILES",
      "to": "BA_EXECUTIVE_CLUB",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 miles (2,000 on Solitaire)",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/miles-transfer-ratio-01092025.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "KOTAK_AIR_MILES",
      "to": "ASIA_MILES",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 miles (2,000 on Solitaire)",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/miles-transfer-ratio-01092025.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "KOTAK_AIR_MILES",
      "to": "FLYING_BLUE",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 miles (2,000 on Solitaire)",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/miles-transfer-ratio-01092025.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "KOTAK_AIR_MILES",
      "to": "UNITED_MILEAGEPLUS",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 miles (2,000 on Solitaire)",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/miles-transfer-ratio-01092025.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "KOTAK_AIR_MILES",
      "to": "ETIHAD_GUEST",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 miles (2,000 on Solitaire)",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/miles-transfer-ratio-01092025.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "KOTAK_AIR_MILES",
      "to": "AEROPLAN",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 miles",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://images.kotak.bank.in/bank/mailers/2026/files/Air%20Miles%20Transfer%20Ratio_Kotak%20Air+%20Prime%20Credit%20Card%20clean%20copy.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "KOTAK_AIR_MILES",
      "to": "MARRIOTT_BONVOY",
      "fromUnits": 3,
      "toUnits": 1,
      "ratio": "3:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 1,000 miles (2,000 on Solitaire)",
      "cap": null,
      "transferTime": "Up to 7 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.kotak.bank.in/content/dam/Kotak/gsfcfiles/credit-cards/miles-transfer-ratio-01092025.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.airindia.com/in/en/maharaja-club/partner-offers/sbi-miles-travel-card.html",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "AEROPLAN",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "FLYING_BLUE",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "BA_EXECUTIVE_CLUB",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "ASIA_MILES",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "QANTAS_FREQUENT_FLYER",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "THAI_ROYAL_ORCHID",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "VIETNAM_LOTUSMILES",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "SPICEJET_SPICECLUB",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "AIRASIA_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "EMIRATES_SKYWARDS",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "ETHIOPIAN_SHEBAMILES",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "JAL_MILEAGE_BANK",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "SAUDIA_ALFURSAN",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "TURKISH_MILES_SMILES",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "UNITED_MILEAGEPLUS",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "IHG_ONE_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "WYNDHAM_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "RADISSON_REWARDS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "ACCOR_ALL",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "CLUB_ITC",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "SHANGRI_LA_CIRCLE",
      "fromUnits": 6,
      "toUnits": 1,
      "ratio": "6:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "HIGH",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_TRAVEL_CREDITS",
      "to": "JUMEIRAH_ONE",
      "fromUnits": 2,
      "toUnits": 1,
      "ratio": "2:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "No minimum published",
      "cap": null,
      "transferTime": "Up to 21 days",
      "confidence": "MEDIUM",
      "sourceUrl": "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/tnc/rewards-program-TnC-miles.pdf",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_RP",
      "to": "AIR_INDIA_MAHARAJA",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1 / 5:1 (per card)",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 5,000 pts in multiples of 5,000 (Aurum: min 500, in 500s)",
      "cap": null,
      "transferTime": "2–7 working days (Aurum ~72 hours)",
      "confidence": "HIGH",
      "sourceUrl": "https://www.airindia.com/in/en/maharaja-club/partner-offers/sbi.html",
      "lastVerified": "2026-07-17",
      "speed": "OVER_A_WEEK",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "SBI_RP",
      "to": "QATAR_PRIVILEGE_CLUB",
      "fromUnits": 5,
      "toUnits": 1,
      "ratio": "5:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 pts, in increments of 500",
      "cap": null,
      "transferTime": "Up to 24 hours",
      "confidence": "HIGH",
      "sourceUrl": "https://www.qatarairways.com/en/Privilege-Club/partner-detail/banks-and-credit-cards/sbic-aurum.html",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_A_DAY",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "SBI_RP",
      "to": "CLUB_ITC",
      "fromUnits": 5,
      "toUnits": 1,
      "ratio": "5:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 pts, in increments of 500",
      "cap": null,
      "transferTime": "Up to 5 working days",
      "confidence": "HIGH",
      "sourceUrl": "https://rewards.aurumcreditcard.com/points-transfer",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "SBI_RP",
      "to": "AIRASIA_REWARDS",
      "fromUnits": 4,
      "toUnits": 1,
      "ratio": "4:1",
      "issuerControlled": true,
      "minTier": null,
      "minTransfer": "Min 500 pts, in increments of 500",
      "cap": null,
      "transferTime": "Up to 5 working days",
      "confidence": "MEDIUM",
      "sourceUrl": "https://rewards.aurumcreditcard.com/points-transfer",
      "lastVerified": "2026-07-17",
      "speed": "WITHIN_A_WEEK",
      "provenanceTier": "ISSUER"
    },
    {
      "from": "FINNAIR_PLUS",
      "to": "BA_EXECUTIVE_CLUB",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": null,
      "cap": null,
      "transferTime": "Instant – 48h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-02",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "FINNAIR_PLUS",
      "to": "QATAR_PRIVILEGE_CLUB",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": null,
      "cap": null,
      "transferTime": "Instant – 48h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-02",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "BA_EXECUTIVE_CLUB",
      "to": "QATAR_PRIVILEGE_CLUB",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": null,
      "cap": null,
      "transferTime": "Instant – 48h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-02",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "QATAR_PRIVILEGE_CLUB",
      "to": "BA_EXECUTIVE_CLUB",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": null,
      "cap": null,
      "transferTime": "Instant – 48h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-02",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "BA_EXECUTIVE_CLUB",
      "to": "FINNAIR_PLUS",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": null,
      "cap": null,
      "transferTime": "Instant – 48h",
      "confidence": "MEDIUM",
      "sourceUrl": null,
      "lastVerified": "2026-07-02",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "UNVERIFIED"
    },
    {
      "from": "MARRIOTT_BONVOY",
      "to": "KRISFLYER",
      "fromUnits": 3,
      "toUnits": 1,
      "ratio": "3:1",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": null,
      "cap": null,
      "transferTime": "1–2 days",
      "confidence": "UNVERIFIED",
      "sourceUrl": "https://www.marriott.com/loyalty/redeem/travel/points-to-miles.mi",
      "lastVerified": "2026-07-15",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "MARRIOTT_BONVOY",
      "to": "FLYING_BLUE",
      "fromUnits": 3,
      "toUnits": 1,
      "ratio": "3:1",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": null,
      "cap": null,
      "transferTime": "1–2 days",
      "confidence": "UNVERIFIED",
      "sourceUrl": "https://www.marriott.com/loyalty/redeem/travel/points-to-miles.mi",
      "lastVerified": "2026-07-15",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "MARRIOTT_BONVOY",
      "to": "VIRGIN_ATLANTIC",
      "fromUnits": 3,
      "toUnits": 1,
      "ratio": "3:1",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": "From 9,000 Bonvoy pts",
      "cap": null,
      "transferTime": "1–2 days",
      "confidence": "UNVERIFIED",
      "sourceUrl": "https://www.virginatlantic.com/flying-club/travel-partners/hotel-partners",
      "lastVerified": "2026-08-27",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "IHG_ONE_REWARDS",
      "to": "VIRGIN_ATLANTIC",
      "fromUnits": 5,
      "toUnits": 1,
      "ratio": "5:1",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": "10,000 IHG pts → 2,000 Virgin Points, via the IHG service centre",
      "cap": null,
      "transferTime": "1–2 days",
      "confidence": "UNVERIFIED",
      "sourceUrl": "https://www.virginatlantic.com/flying-club/travel-partners/hotel-partners",
      "lastVerified": "2026-09-05",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "HILTON_HONORS",
      "to": "VIRGIN_ATLANTIC",
      "fromUnits": 20,
      "toUnits": 3,
      "ratio": "20:3",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": "From 10,000 Hilton pts",
      "cap": null,
      "transferTime": "1–2 days",
      "confidence": "UNVERIFIED",
      "sourceUrl": "https://www.virginatlantic.com/flying-club/travel-partners/hotel-partners",
      "lastVerified": "2026-08-27",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    },
    {
      "from": "ACCOR_ALL",
      "to": "FLYING_BLUE",
      "fromUnits": 1,
      "toUnits": 1,
      "ratio": "1:1",
      "issuerControlled": false,
      "minTier": null,
      "minTransfer": "Multiples of 2,000 pts",
      "cap": null,
      "transferTime": "1–2 days",
      "confidence": "UNVERIFIED",
      "sourceUrl": "https://all.accor.com/a/en/loyalty-program/partners/conditions/airfranceklm.html",
      "lastVerified": "2026-07-15",
      "speed": "WITHIN_THREE_DAYS",
      "provenanceTier": "PROGRAMME"
    }
  ],
  "frozen": true,
  "releaseDate": "2026-09-17",
  "liveEndpoint": "https://cardadvisor.in/data/transfers.json"
}