Credit Card Points Value Calculator
See what your reward points are actually worth in rupees on each redemption route, from statement credit to airline transfers, and which route wins for your balance.
HDFC Bank · 5 reward points per ₹150
₹1.00 per mile
Economy seats on busy routes are often near ₹1; premium cabins booked well can be several times that.
Best route for 1,00,000 HDFC Infinia points
SmartBuy flights and hotels: about ₹1,00,000
The weakest route (statement credit) gives about ₹30,000, so choosing well is worth 3.3x.
| Route | Value | ₹ per point |
|---|---|---|
SmartBuy flights and hotels Usually capped per month; check the SmartBuy limit. | ₹1,00,000 | 1.00 |
Transfer to an airline or hotel partner (1:1) 1,00,000 miles, less a ₹116.82 transfer fee incl. GST. Monthly transfer caps and a per-request fee apply. Value depends on the seat or room you book. | ₹99,883 | 1.00 |
Reward catalogue and vouchers Varies by item and voucher brand. | ₹50,000 | 0.50 |
Statement credit The weakest use of points. | ₹30,000 | 0.30 |
Read before you transfer
Figures are indicative and not live-checked. Issuers change ratios, caps and fees without notice, and award seats are never guaranteed. Confirm on the issuer's portal first. This is not financial advice.
Points redemption FAQ
Why do the same points give such different values?
A point is not worth a fixed amount. Statement credit pays a few paise per point, vouchers a little more, and flights or hotels booked through the issuer's portal often pay the most per point. Transfers to airline or hotel partners can beat all of these, but only if you find award seats, which is why this calculator asks what a mile is worth to you instead of assuming.
What does the per-mile slider mean?
It is your estimate of the rupee value of one partner mile or point on the redemption you actually plan to book. Compare the cash price of a flight with the miles it costs, and divide. Use a low figure if you are unsure.
Are there fees or limits when transferring points?
Usually yes. Issuers charge a per-request transfer fee plus 18% GST and may cap how many points you can transfer or spend through their portal each month. The calculator deducts the fee; check the caps with your issuer before you plan a large transfer.
How current are the figures?
They are indicative and not live-checked. Banks revise reward ratios and caps without much notice, so confirm the ratio on the issuer's portal before moving points. Nothing here is financial advice.