CardArtha Tool
Points & Miles Value Calculator — India 2026
Calculate the rupee value of your Indian credit card reward points and airline miles. Covers HDFC, Axis, Amex, SBI, IndusInd loyalty programs.
Point Values by Program
Values shown are our estimates based on typical redemption scenarios. Actual value varies by redemption method. Always transfer to airlines / hotels for best value — never redeem for cashback.
| Program | Card(s) | Cash Redemption | Airline Transfer | Best Redemption | Notes |
|---|---|---|---|---|---|
| HDFC Reward Points | Infinia Metal, Regalia Gold, Diners Black, Millennia | ₹0.20 / pt | ₹0.50 / pt | ₹0.70–1.50 / pt | Transfer to KrisFlyer, Air India, InterMiles via SmartBuy for max value. |
| Axis EDGE Reward Points / Miles | Magnus, Atlas, ACE (cashback) | ₹0.25 / pt | ₹1.00 / pt | ₹1.50–2.00 / pt | EDGE Miles (Atlas) transfer 1:1 to most airline programs. EDGE Points transfer at 5:1 to miles. |
| Amex Membership Rewards (MR) | Platinum Travel, Membership Rewards Card | ₹0.25 / pt | ₹0.50–0.70 / pt | ₹1.50–3.00 / pt | Transfer 2 MR = 1 KrisFlyer mile (worth ₹1.50–3). Best value via Singapore Airlines or British Airways Avios. |
| SBI Reward Points | SBI Elite, SBI PULSE | ₹0.25 / pt | ₹0.50 / pt | ₹0.50–0.75 / pt | Redeem for Vistara miles or Etihad Guest for best value. Avoid statement credit (₹0.25). |
| IndusInd Reward Points | Legend, Nexxt | ₹0.25 / pt | ₹0.50 / pt | ₹0.50–1.00 / pt | Transfer to IndiGo 6E Rewards. 1:1 ratio with 6E points. |
| ICICI Reward Points | Emeralde, Sapphiro, Coral | ₹0.25 / pt | ₹0.25–0.50 / pt | ₹0.25–0.50 / pt | Lower transfer value vs HDFC / Amex. Best for statement credit or ICICI travel portal. |
| IDFC FIRST Reward Points | Wealth, Select | ₹0.25 / pt | ₹0.25 / pt | ₹0.25 / pt | No airline transfer partners currently. Redeem for statement credit or products. |
Points Value Calculator
Enter your point balance to see the estimated rupee value.
Spend-to-Earn Calculator
Estimate annual points earned from your monthly spend on a specific card.
Disclaimer: Point values are estimates only. Actual value depends on specific redemptions, transfer ratios, and partner availability at the time of redemption. Verify current rates with the respective program before making decisions.