SBI Card transfer partners
Where your Travel Credits can go, the ratio on each SBI Card card, and which transfers are worth it.
Updated 14 Oct 2026 · Ratios from bank partner lists, values from DealUni’s Program Values
How SBI Card transfers work
SBI Card MILES cards earn Travel Credits: 1 Travel Credit becomes 1 mile at 1:1 partners, with a minimum of 2,000 per transfer. AURUM converts only at poor ratios (Air India 5:1).
Best uses for SBI Card points
Airline partners (16)
| Programme | MILES ELITE | MILES PRIME | MILES | AURUM | Our value₹ per mile/point |
|---|---|---|---|---|---|
| Aeroplan | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹1.30 |
| Air India Maharaja Club | 1 → 1 | 1 → 1 | 1 → 1 | 5 → 1 | ₹1.10 |
| AirAsia Rewards | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹0.28 |
| Asia Miles | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹1.00 |
| British Airways Avios | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹1.00 |
| Lotusmiles | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹1.15 |
| Qantas | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹0.70 |
| Royal Orchid Plus | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹0.70 |
| SpiceClub | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹0.38 |
| Air Arabia Rewards | 2 → 1 | 2 → 1 | 2 → 1 | – | – |
| Emirates Skywards | 2 → 1 | 2 → 1 | 2 → 1 | – | ₹0.80 |
| JAL Mileage Bank | 2 → 1 | 2 → 1 | 2 → 1 | – | ₹1.13 |
| Saudia AlFursan | 2 → 1 | 2 → 1 | 2 → 1 | – | – |
| ShebaMiles | 2 → 1 | 2 → 1 | 2 → 1 | – | ₹0.63 |
| Turkish Miles&Smiles | 2 → 1 | 2 → 1 | 2 → 1 | – | ₹0.88 |
| United MileagePlus | 2 → 1 | 2 → 1 | 2 → 1 | – | ₹1.10 |
Hotel partners (8)
| Programme | MILES ELITE | MILES PRIME | MILES | AURUM | Our value₹ per mile/point |
|---|---|---|---|---|---|
| IHG One Rewards | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹0.53 |
| Orchid Rewards | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹0.45 |
| Radisson Rewards | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹0.25 |
| Wyndham Rewards | 1 → 1 | 1 → 1 | 1 → 1 | – | ₹0.60 |
| Accor ALL | 2 → 1 | 2 → 1 | 2 → 1 | – | ₹2.10 |
| Club ITC | 2 → 1 | 2 → 1 | 2 → 1 | – | ₹0.90 |
| Jumeirah One | 2 → 1 | 2 → 1 | 2 → 1 | – | – |
| Shangri-La Circle | 6 → 1 | 6 → 1 | 6 → 1 | – | ₹6.25 |
“1 → 2” means 1 SBI Card point becomes 2 partner miles or points. Check your card’s terms before you transfer: transfers can’t be reversed.
SBI Card co-brand cards
- Air India SBI Signature (closed to new applicants) earns Air India Maharaja Club directly.
- Air India SBI Platinum (closed to new applicants) earns Air India Maharaja Club directly.
- KrisFlyer SBI Card earns KrisFlyer directly.
- KrisFlyer SBI Card Apex earns KrisFlyer directly.
- IndiGo SBI Card earns IndiGo BluChip directly.
- IndiGo SBI Card ELITE earns IndiGo BluChip directly.
Latest SBI Card posts
See all →- United MileagePlus 2027: Status Rules, Earning Cuts, India Impact14 Oct
- United MileagePlus Guide for Indians: Transfers, Awards, Catches14 Oct
- Avianca LifeMiles Guide for Indians: Earn, Burn and LifeMiles+13 Oct
- Air India Bank EMI Offers: Is ₹10,000 Off Worth the Interest?12 Oct
- Asia Miles Pauses JAL Award Bookings: What It Means for Japan10 Oct
- Round-the-World on Points in 2026: After ANA, JAL Wins9 Oct
Questions
Which SBI Card card gets the best transfer ratio?
MILES ELITE: up to 1 → 1; MILES PRIME: up to 1 → 1; MILES: up to 1 → 1; AURUM: up to 5 → 1.
When should I transfer?
Only after you’ve found the award seat or hotel night you want. Transfers can’t be reversed, and programmes can change prices.
Where do these numbers come from?
Ratios come from SBI Card’s partner lists as tracked in our Rewards Toolkit; rupee values are DealUni’s Program Values. Both were checked on 14 Oct 2026.
Seat ya kamra pehle dhoondo, points baad mein bhejo. (Find the seat or room first, move the points after.)
Sources: SBI Card partner lists and card terms, via the DealUni Rewards Toolkit data. Checked 14 Oct 2026.