AIRLINE PROGRAM
Singapore Airlines KrisFlyer: Transfer Partners & Value
Singapore Airlines’ frequent-flyer programme — a favourite transfer target for Indian cardholders, where premium-cabin Saver awards deliver the standout value.
Card data updated
Realistic value
₹1.00 / point
Type
Airline miles
Up to ~₹2/mile on premium-cabin Saver awards — the programme’s value ceiling. See how we value points →
KrisFlyer is Singapore Airlines' frequent-flyer programme, and Singapore Airlines flies as a Star Alliance member — so the miles you bank here open seats not just on SIA's own metal but across the whole alliance. For an Indian cardholder, KrisFlyer earns its reputation as one of the deepest transfer targets going: several bank currencies feed straight into it, one of them at a rare 1:2 ratio, and the real prize is a premium-cabin Saver award on Singapore Airlines' famously good Business and First cabins.
Which Indian cards transfer into KrisFlyer
A handful of well-defined routes carry Indian points into KrisFlyer today. The standout is Axis EDGE Miles — the answer to "axis edge miles to krisflyer" and "axis atlas to krisflyer" is that on an Atlas one EDGE Mile becomes two KrisFlyer miles, a ratio nothing else at that fee matches. Axis is no longer issuing the Atlas to new applicants, the Olympus is by invitation only and American Express has paused new card applications in India, so the Atlas, Olympus and Amex routes here serve cards you already hold; the Horizon's 1:1 is the Axis route a new applicant can still take. The catch worth knowing before you plan around it: EDGE Miles are one currency, but the ratio is set by the card that earned them.
| Card / currency | Ratio | Note |
|---|---|---|
| Axis EDGE Miles — Olympus | 1:4 | The ceiling — 1 EDGE Mile → 4 KrisFlyer miles, within a ~1,50,000/yr Group-A cap. Costs a ₹20,000 fee. |
| Axis EDGE Miles — Atlas | 1:2 | 1 EDGE Mile → 2 KrisFlyer miles (~₹2/mile), within a ~30,000 EDGE Miles/yr Group-A cap. |
| Axis EDGE Miles — Horizon | 1:1 | Same EDGE Miles, half the Atlas's ratio — the Axis card decides, not the currency. |
| HSBC TravelOne | 1:1 | Uncapped; posts instantly to next business day. |
| HDFC Reward Points — Infinia, Diners Club Black | 1:1 | Via NetBanking → myREWARDS → Airmiles. |
| American Express Membership Rewards | 2:1 | The weakest ratio here — 2 MR per mile — but uncapped and instant, and the only KrisFlyer route an Amex holder has. |
So "hdfc to krisflyer" runs 1:1 on the top HDFC cards — Infinia and Diners Club Black — moved through NetBanking. If you searched "regalia gold to krisflyer miles," note the marquee 1:1 KrisFlyer route sits on those two super-premium cards; Regalia Gold points are better spent elsewhere. Separately, the co-branded SBI KrisFlyer card earns KrisFlyer miles directly on spend rather than by transfer, which is the honest answer for anyone typing "sbi krisflyer card" — a direct-earn path, not a points conversion.
What a KrisFlyer mile is worth
We value KrisFlyer miles at about ₹1 each as a realistic planning figure — the right number for "krisflyer miles value in rupees" — climbing to roughly ₹2 on premium-cabin Saver awards, which is where the programme genuinely shines. That ceiling is why the Axis 1:2 transfer is so strong: two miles at ₹2 turns a single EDGE Mile into real four-rupee value.
The catch is that on SIA-operated flights the same seat can be priced four ways. Spontaneous Escapes (promo) is cheapest but limited and non-refundable; Saver is the standard published chart most guides quote; Advantage costs roughly 80% more miles but releases far more space; Access uses dynamic last-seat pricing and is a last resort. Chase Saver — everything above it erodes the value that made the transfer worthwhile. Star Alliance partner redemptions use a separate, simpler chart.
Sweet spots
The classic play is a Singapore Airlines Business or First Saver seat out of India to Singapore and beyond — the cabin product justifies the miles. Beyond SIA metal, Star Alliance partners (Lufthansa, Swiss, Air Canada, Turkish and more) are bookable with the same balance, widening your options when SIA award space is tight. On a Saver round-trip you also get one complimentary stopover of up to 30 days, letting you fold Singapore into a longer itinerary. And Spontaneous Escapes, released about a month out, is worth a look for flexible travellers hunting a ~30% discount.
Who should chase KrisFlyer
KrisFlyer suits the traveller who values premium cabins and can be patient enough to catch Saver space — especially an Axis Atlas holder, whose 1:2 ratio makes this the best mainstream KrisFlyer credit card route in India. If you fly mostly domestic, Air India Maharaja Club may fit your map better; KrisFlyer rewards those aiming outward in the pointy end.
Below are the cards that route into KrisFlyer — sorted so the strongest transfer partners surface first.
How to transfer credit-card points to Singapore Airlines KrisFlyer
Every standing route from an Indian reward currency, read from our transfer graph rather than typed alongside it. A ratio given as a range differs by card — the graph knows which cards sit at each end, and you should still confirm the live rate in your bank’s rewards portal before transferring. Never assume a promotional rate is the standing one.
| From (currency & cards) | Ratio | Notes |
|---|---|---|
| Axis EDGE MilesAxis Bank | 1:4 – 2:1 (per card) | Olympus 1 EDGE Mile → 4 KrisFlyer miles, within a ~1,50,000 EDGE Miles/yr Group-A cap — the best ratio in India, at a ₹20,000 fee. Atlas 1:2 (~₹2/mile) within a ~30,000/yr Group-A cap. The Horizon holds the same EDGE Miles as the Atlas and transfers at only 1:1 — the ratio is set by the card, not the currency. |
| HDFC Reward PointsHDFC Bank | 1:1 / 2:1 (per card) | Via NetBanking → myREWARDS → Airmiles. |
| HSBC Reward PointsHSBC | 1:1 / 2:1 (per card) | TravelOne: uncapped, instant to next business day. |
| IndusInd Reward PointsIndusInd Bank | 1:1 – 4:1 (per card) | |
| Amex Membership RewardsAmerican Express | 2:1 | The weakest ratio here — 2 MR per KrisFlyer mile — but uncapped and instant, and the only KrisFlyer route an Amex holder has. |
| RBL Reward PointsRBL Bank | 2:1 | |
| Axis EDGE Reward PointsAxis Bank | 5:4 – 10:1 (per card) | |
| Federal Reward PointsFederal Bank | 7:1 – 13:1 (per card) |
Expiry and pooling
The two rules that decide whether you still hold the points when you come to spend them. Both are quoted from KrisFlyer Terms and Conditions, section K (Mileage expiry), read on 2026-09-04.
Expiry
KrisFlyer miles expire 3 years after you earn them — and staying active does not stop that clock.
“KrisFlyer Basic, KrisFlyer Elite Silver and KrisFlyer Elite Gold members only: a member's KrisFlyer miles will expire after three years (or one year for KrisFlyer miles received from contests) at 23:59 hours Singapore time (GMT +08:00 hours) on the last day of the equivalent month in which they were earned.”
Who is exempt
“PPS Club members: KrisFlyer miles will not expire, as long as the member remains a PPS Club member. This applies to all valid KrisFlyer miles, regardless of how they were earned, except for certain promotional KrisFlyer miles, as specified in the specific promotions' terms and conditions.”
Extending
“KrisFlyer miles that are due to expire for the first time may be extended for a fee. For KrisFlyer members, KrisFlyer miles may be extended once for a period of six months only. KrisFlyer Elite Silver and KrisFlyer Elite Gold may extend their KrisFlyer miles for a period of one year only.”
“KrisFlyer miles that have already expired cannot be extended.”
Sharing and pooling
KrisFlyer miles cannot be moved to another member's account.
“Pooling of KrisFlyer miles and/or status credits is not permitted and each KrisFlyer membership can only be utilised by one person.”
What you can do instead
“KrisFlyer members can choose to redeem for all or part of their own airfares or the airfares of any of their five redemption nominees.”
Source: KrisFlyer Terms and Conditions, section K (Mileage expiry), read 2026-09-04. Programmes change these terms without notice — check yours before relying on a date.
Cards that transfer to Singapore Airlines KrisFlyer
Each card below can feed KrisFlyer miles via a points transfer. Tap any card for its full review — fees, reward rates and eligibility. These are the cards we cover in depth; other cards that earn a currency in the table above can reach Singapore Airlines KrisFlyer the same way.
₹12,500/yr
annual fee · ≈ ₹14,750 incl. GST
● BEST FOR: 3.3% reward points on Groceries
Annual fee
Joining fee
Top reward
Welcome bonus
Fee waiver
Forex markup
Fuel waiver
HDFC Infinia is invitation-only for HDFC's top relationship customers. Sanjay, a senior executive with an HDFC salary account, uses SmartBuy to book business flights: 5X points = ₹1 per ₹6 spent. His ₹5L/month spend earns about ₹2 lakh in points a year at the 3.3% base — on ELIGIBLE spend only: fuel, rent, government, wallet loads, EMI, third-party-app education and property management earn nothing here, and grocery and utility each stop at 2,000 points a month, so a real ₹5L/month wallet lands below that figure. Unlimited Priority Pass covers his weekly lounge visits globally. The 2% forex markup on ₹20L/year international spend saves ₹30,000 before GST against the 3.5% standard markup on most HDFC cards.
Why it stands out 10X SmartBuy points — the highest points density in Indian credit cards
Best suited for Infinia is for HDFC's top-tier relationship customers — typically those with ₹30L+ invested in HDFC products or a salary account with significant AUM. If you can get invited, the SmartBuy accelerator (10X on hotels, 5X on flights) is the highest points density on any Indian card.
₹10,000/yr
annual fee · ≈ ₹11,800 incl. GST
● BEST FOR: 4.33% reward points on Dining
Annual fee
Joining fee
Top reward
Welcome bonus
Fee waiver
Forex markup
Min income
The HDFC Diners Club Black Metal earns ~3.3% on all spend, up to 10X on SmartBuy hotels and unlimited lounge access, with its ₹10,000 fee waived at ₹8 lakh. HDFC's premium all-rounder earns 5 reward points per ₹150 (~3.3% at ₹1/point) across spends, with SmartBuy turning travel into double-digit returns (10X on hotels and partner brands like IGP, Jockey and PharmEasy, ~33%; 5X on flights, buses and Myntra, ~16.5%; 3X on trains and brand vouchers). It adds 2X on weekend dining at standalone restaurants, Club Marriott, Amazon Prime and Swiggy One one-year memberships once you spend ₹1.5 lakh in the first 90 days, a 10,000-point milestone on ₹4 lakh quarterly spend, and unlimited access to 1,300+ lounges worldwide on the Diners Club network itself. Largely spared the May 2026 HDFC devaluation, it remains one of the strongest premium cards for high spenders.
Why it stands out ~3.3% base with rich SmartBuy accelerators, three bundled memberships and unlimited 1,300+ lounges; ₹10,000 fee waives at ₹8 lakh
Best suited for For HDFC customers who book travel via HDFC SmartBuy and spend ₹50,000+ per month total. The SmartBuy 10X multiplier is what makes this card exceptional — if you do not use SmartBuy, the Infinia or Regalia Gold offers better everyday value.
₹66,000/yr
annual fee · ≈ ₹77,880 incl. GST
● BEST FOR: 4.5% reward points on International
Annual fee
Joining fee
Top reward
Welcome bonus
Forex markup
Min income
The American Express Platinum Charge Card is Amex India's flagship — a charge card (no pre-set spending limit) built around travel and lifestyle rather than reward rate. The ₹66,000 + GST annual fee buys the Global Lounge Collection (1,550+ lounges, more than any rival), a welcome gift worth up to ₹60,000 (Taj, Luxe or Postcard, on ₹50,000 spend in the first two months), a renewal voucher up to ₹35,000 at ₹20 lakh annual spend, and a stack of elite hotel memberships — Marriott Bonvoy Gold, Hilton Honors Gold, Taj Epicure and Accor Plus among them. For the high-spending international traveller who uses the benefits, the value dwarfs the fee; for everyone else it is an expensive way to hold a metal card.
Why it stands out Amex's flagship charge card — 1,550+ lounge Global Lounge Collection, up to ₹60,000 welcome gift, ₹35,000 renewal voucher and a stack of hotel elite memberships
Best suited for For high-spending international travellers (typically ₹20 lakh+ a year) who will use the lounge access, hotel elite status and Fine Hotels & Resorts benefits. Wasted on anyone who won't extract the travel value.
₹20,000/yr
annual fee · ≈ ₹23,600 incl. GST
● BEST FOR: 8% airline miles on International
Annual fee
Joining fee
Top reward
Welcome bonus
Forex markup
Fuel waiver
The Axis Bank Olympus is the card onto which Axis migrated India's former Citi Prestige holders, and it inherits that card's signature perks. It earns EDGE Miles at a deliberately modest headline rate — 1 EDGE Mile per ₹100 domestic and 2 per ₹100 international — but each EDGE Mile transfers to most airline and hotel partners (Air India, KrisFlyer, Aeroplan, Flying Blue, IHG and others) at a rich 1:4 ratio, up to 7.5 lakh EDGE Miles a year; British Airways Avios, Finnair, IndiGo BluChip, Vietnam Airlines, Qatar Airways Privilege Club, Cathay Pacific and Accor transfer at only 1:2. Marriott was removed as a partner in April 2026; Qatar and Accor were cut in that same round but had returned to the list by August and September 2026 respectively, at the weaker 1:2 rather than the ratio they once had — so the real return arrives on redemption rather than on the statement. The standout benefits are the ones carried over from Prestige: an annual ₹10,000 Taj or ITC hotel voucher (as both welcome and renewal benefit), a third-night-free stay when you book three nights on Hotels.com (twice a year), unlimited domestic and international lounge access for primary and add-on cardholders with 10 guest visits a year on each of the domestic and Priority Pass programmes, a 1.80% forex markup, 24x7 concierge, 8 complimentary golf rounds plus one per ₹50,000 spent, and Taj/EazyDiner dining privileges. A wide exclusion list (rent, fuel, utilities, insurance, education, government, wallet, transport) means only genuine lifestyle and travel spend earns.
Why it stands out The card Citi Prestige holders were migrated onto — a ₹20,000 super-premium travel card with EDGE Miles that transfer 1:4 to most airline and hotel partners, unlimited lounges, an annual ₹10,000 Taj/ITC voucher, a third-night-free hotel benefit and a low 1.80% forex markup
Best suited for Olympus is built for the Axis Burgundy / HNI customer and the migrated Citi Prestige holder — a high spender who travels internationally, stays at Taj and ITC hotels, and will actually use the third-night-free benefit, the ₹10,000 annual hotel voucher and the 1:4 transfers to most partners. If you spend heavily abroad, the 1.80% forex markup and 2-miles-per-₹100 international rate compound quickly.
₹5,000/yr
annual fee · ≈ ₹5,900 incl. GST
● BEST FOR: 4% airline miles on all spends
Annual fee
Joining fee
Base reward
Welcome bonus
Forex markup
Fuel waiver
Min income
The Axis Atlas is India's most popular dedicated travel card. It earns EDGE Miles at 5 per ₹100 on Axis Travel EDGE and on bookings made direct with an airline or hotel — capped at ₹2 lakh of such spend a calendar month — and 2 per ₹100 on everything else, online travel agencies included. The April 2026 devaluation reset the maths, removing Accor and Marriott as transfer partners and adding British Airways, Finnair and Vietnam Airlines at a poorer 2:1. Qatar Airways Privilege Club and Accor were cut in that same April round but had returned to the Axis partner list by August and September 2026 respectively — both in the weak 2:1 band, not the 1:2 the Atlas gets on partners like Air India Maharaja Club. The welcome bonus is 2,500 EDGE Miles (down from 5,000 for cards sourced before April 2024), worth roughly ₹5,000 at 1:2 — about 85% of the ₹5,900 all-in joining fee. Milestones pay 2,500 EDGE Miles at ₹3 lakh of eligible annual spend, a further 2,500 at ₹7.5 lakh and a further 5,000 at ₹15 lakh. The spend tiers are a separate ladder — Silver from day one, Gold at ₹7.5 lakh, Platinum at ₹15 lakh — and the tier sets the anniversary gift credited when the annual fee is paid: none at Silver, 2,500 EDGE Miles at Gold and 5,000 at Platinum.
Why it stands out EDGE Miles travel card (5/₹100 travel, 2/₹100 else) with spend-tier milestones and standout lounge access (no spend-gate, uncapped guest entry) — still strong for high spenders, though lighter after the April 2026 transfer-partner cuts
Best suited for Atlas suits the traveller who books flights and hotels direct — on the airline's or hotel's own website, at the counter, or through Axis Travel EDGE — because that is where the 5 miles per ₹100 lands. Book the same trip through MakeMyTrip, Goibibo or EaseMyTrip and you earn the base 2 per ₹100 instead. If you are ready to transfer miles 1:2 to a partner such as Air India Maharaja Club or Singapore Airlines KrisFlyer, the value doubles. For high spenders it stays a top pick — the no-spend-gate, uncapped-guest lounge access alone can justify the fee against pricier premium cards.
₹5,000/yr
annual fee · ≈ ₹5,900 incl. GST
● BEST FOR: 1% reward points on all spends
Annual fee
Joining fee
Base reward
Welcome bonus
Forex markup
Min income
The Amex Platinum Travel is a milestone-driven Membership Rewards card whose ladder was cut twice in 2026. Since 10 September 2026 one points tier remains: 10,000 bonus MR points at ₹4 lakh of annual spend, redeemable on the Platinum Travel Collection. The ₹1.9 lakh tier no longer pays its 7,500 points, and ₹7 lakh no longer pays 22,500 — that tier now delivers a ₹20,000 Taj Experiences e-Gift Card instead, doubled from ₹10,000. The value is back-loaded into those thresholds and is now paid more in Taj vouchers than in transferable points, so it suits deliberate spenders who clear ₹4 lakh-plus a year and are content to redeem at Taj.
Why it stands out Milestone rewards on the Platinum Travel Collection — 10,000 Membership Rewards points at ₹4L, plus a ₹20,000 Taj Experiences e-Gift Card at ₹7L spend
Best suited for For deliberate spenders who clear ₹4 lakh-plus a year and will redeem Membership Rewards on the Platinum Travel Collection. Less suited to lighter spenders now that the richest milestone sits at ₹7 lakh.
₹4,999/yr
annual fee · ≈ ₹5,899 incl. GST
● BEST FOR: 4% airline miles on International
Annual fee
Joining fee
Top reward
Welcome bonus
Fee waiver
Forex markup
Min income
The HSBC TravelOne is India's most flexible transferable-miles card — and the unlikely winner of 2026's premium-card upheaval. While Axis halved the Magnus's transfer ratio and stripped Accor, Marriott and Qatar out of the Atlas, the TravelOne held its ground and improved: its direct, instant, no-cap 1:1 transfer into Accor ALL is the best Accor rate on any card you can simply apply for (HSBC Premier shares the same partner table but needs a banking relationship; Axis dropped Accor on 2 April 2026 and had it back by 25 September, but at 2:1 or worse outside its invite-only cards). It keeps uncapped access to 20 airline and hotel partners (15 airlines + 5 hotels, mostly 1:1). It earns 4 reward points per ₹100 on flights, travel aggregators and forex spends (accelerated rate capped monthly; direct hotel bookings earn the base rate) and 2 per ₹100 on most other spends — though utilities, fuel, insurance, education, government, rent and wallet loads earn nothing — and booking through HSBC's own Rewards Marketplace ("Travel with Points") portal lifts hotels to 6X (24 points/₹100) and flights to 4X (16 points/₹100), capped at 18,000 points/month — with 6 domestic and 4 international lounge visits a year and a 10,000-point milestone bonus on ₹12 lakh of annual spend. The one catch to be clear about: the forex markup is a standard 3.5% — this is a transfer-partner card, not a low-forex one, so for heavy overseas swiping pair it with a sub-1% forex card like the HSBC Premier. The ₹4,999 fee is reversed in full — GST included — once primary and add-on card spends together cross ₹8 lakh in a card anniversary year.
Why it stands out The 1:1 Accor transfer you can actually apply for; 20 partners, no transfer cap; 4 RP/₹100 on flights, travel aggregators & forex, up to 24 RP/₹100 on hotels via the Rewards Marketplace portal
Best suited for For the engaged international traveller who will transfer miles to partners and redeem well — especially Accor loyalists, for whom nothing else you can apply for in India matches its direct 1:1 route. Not for non-travellers or heavy overseas spenders (3.5% forex).
₹10,000/yr
annual fee · ≈ ₹11,800 incl. GST
● BEST FOR: 1% reward points on all spends
Annual fee
Joining fee
Base reward
Welcome bonus
Fee waiver
Forex markup
Min income
The American Express Platinum Reserve is Amex India's mid-premium card and a quiet hotel-value play. For ₹10,000 + GST (waived on ₹10 lakh of annual spend) it bundles three memberships that usually cost real money on their own — ALL Accor Plus Explorer (the card grants 20 Accor status nights, which sits at ALL Silver on Accor's nights/points ladder, plus 15% off stays, 30% off dining and Red Hot Deals; buying Accor Plus directly instead grants 30 status nights — Gold — and Buy-One-Get-One free nights, which the card version omits), Taj Epicure Plus (20% off stays, 25% off dining, 20% off spa across IHCL) and EazyDiner Prime. You earn 1 Membership Rewards point per ₹50 on retail spends (fuel, utilities, insurance and EMI excluded), and MR redeem strongly via the 24K Gold Collection — about ₹0.58 a point into Taj vouchers. Add 12 domestic lounge visits a year, a Priority Pass, golf and monthly ₹1,000 spend-milestone vouchers. The catch is a 3.5% forex markup, so it is not a card to swipe abroad — it is a membership and redemption instrument, and an ideal status partner to a high-earning transfer card.
Why it stands out Amex's accessible membership powerhouse — Accor Plus Explorer, Taj Epicure and EazyDiner Prime bundled for a ₹10,000 fee that waives at ₹10L spend
Best suited for For Accor and Taj guests who want hotel memberships and strong MR redemptions at an accessible fee — and as the "status" half of a card pairing alongside a high-value transfer card. Not for overseas swiping (3.5% forex).
₹4,500/yr
annual fee · ≈ ₹5,310 incl. GST
● BEST FOR: 1% reward points on all spends
Annual fee
Joining fee
Base reward
Welcome bonus
Forex markup
Min income
The American Express Gold Card is a Membership Rewards earner built around disciplined point collection rather than flashy category multipliers. In India it earns 1 MR point per ₹50 on everyday spends, jumps to 5X on e-vouchers bought through Amex's ShopWise platform (the separate Reward Multiplier brand links close on 30 September 2026) and layers on a monthly milestone of 1,000 bonus points when you put through six transactions of ₹1,000 or more. The real value unlocks at redemption — points are worth up to ₹0.50 each via the Gold Collection once you cross 18,000–24,000 points — so it rewards members who actually use the MR catalogue, transfer to airline/hotel partners, and lean on the 20% dining discounts.
Why it stands out Membership Rewards earning with a 1,000-point monthly milestone and up to ₹0.50/point Gold Collection redemption
Best suited for For Amex members who spend steadily across everyday categories and will actually redeem Membership Rewards well — via the Gold Collection, airline/hotel transfers and dining discounts. Less suited to anyone wanting simple, automatic cashback.
₹4,500/yr
annual fee · ≈ ₹5,310 incl. GST
● BEST FOR: 1% reward points on all spends
Annual fee
Joining fee
Base reward
Welcome bonus
Fee waiver
Forex markup
Min income
Amex MRCC (Membership Rewards Credit Card) is American Express's entry card in India — 1 Membership Rewards point per ₹50 on most spends, though fuel, insurance and utilities no longer earn. Its real strength is redemption: points transfer to airline and hotel partners (Marriott 1:1, most airlines 2:1, and Virgin Atlantic at a better 5:4 since 18 August 2026) and punch well above their weight when used through the rewards catalogue. Two monthly milestones reward regular use — 1,000 bonus points for four transactions of ₹1,500+, and another 1,000 for ₹20,000 of spend in the same month. The welcome benefit is 4,000 bonus points on ₹15,000 spend within 90 days, and a one-time 5,000-point bonus lands on first-year renewal, on payment of the renewal fee (credited within 90 days of renewal).
Why it stands out Membership Rewards points that transfer to airline and hotel partners at outsized value
Best suited for For Amex aspirants who want to collect Membership Rewards points for future hotel or airline redemptions without paying a premium card fee. Best if you spend steadily each month — the value is in the two monthly milestone bonuses and transferring points to partners, not in category multipliers.
₹3,000/yr
annual fee · ≈ ₹3,540 incl. GST
● BEST FOR: 2% airline miles on all spends
Annual fee
Joining fee
Base reward
Welcome bonus
Forex markup
Fuel waiver
The Axis Horizon is positioned as the successor to the discontinued Citi PremierMiles — a ₹3,000 travel card with no spend-based fee waiver. It earns 5 EDGE Miles per ₹100 on the Axis Travel EDGE portal and on direct airline bookings — hotels are an Atlas inclusion, not a Horizon one — and 2 per ₹100 on everything else, online travel agencies included. Its real draw is lounge access with no spend conditions: 32 domestic visits a year (8/quarter) plus 8 international (2/quarter) on Axis's own international lounge programme, opened with a USD 1 card transaction rather than through Priority Pass. Welcome is 5,000 EDGE Miles on ₹1,000 spend within 30 days, with a 1,500-mile renewal benefit from the second anniversary onwards. The April 2026 devaluation removed Accor and Marriott as transfer partners and left most of the rest at 1:1 (₹1/mile); British Airways, Finnair, IndiGo BluChip, Vietnam Airlines, Cathay Pacific and two partners cut in April and since restored — Qatar Airways Privilege Club (back by August 2026) and Accor (back by 25 September 2026) — convert at a weaker 2:1. Horizon carries its own transfer ceilings of 1,00,000 EDGE Miles a year to Group A partners and 4,00,000 to Group B, inside a 5,00,000 annual cap.
Why it stands out ₹3,000 travel card with unconditional lounge access (32 domestic + 8 international/year) and 5 EDGE Miles/₹100 on travel — the Citi PremierMiles successor
Best suited for For travellers who want generous, no-spend-gate lounge access and a simple miles earn, and don't mind the lack of a fee waiver.