Accurate Paisa
Points Transfer Optimizer

Know the value before moving your points.

Compare a cash or voucher redemption with an airline or hotel transfer. Enter the ratio shown by the issuer, any live bonus and a conservative value for one partner point. The calculator keeps assumptions visible instead of claiming a fixed value for rewards that depend on availability.

✓ No loyalty login✓ No membership number✓ Transfer fee included✓ Break-even value shown
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Redemption assumptions

Copy the current ratio from the issuer page and use a realistic partner value—not the best theoretical booking.

Card terms: choose a card

Value waterfall

How the transfer is calculated

  1. 1
    Convert the balance

    Card points × partner ratio creates the base partner-point amount.

  2. 2
    Add a confirmed bonus

    A temporary transfer bonus increases partner points only when it is actually available.

  3. 3
    Apply realistic value

    Partner points × your conservative rupee value − transfer fee gives estimated usable value.

Why values vary

One point has no universal price

Cashback and statement credit usually have a clear conversion. Airline and hotel points depend on award availability, route, cabin, taxes, expiry and your willingness to travel on specific dates. A spectacular business-class example is not a suitable default for every cardholder. Use the amount you would genuinely have paid for the same trip, not the retail price of an alternative you would never buy.

The break-even result is especially useful: if you cannot reasonably receive that much value from each partner point, cash is mathematically stronger.

Transfer safety

Confirm before an irreversible move

Transfers can be one-way, delayed or subject to minimum blocks. Names may need to match and programme accounts may have age or eligibility rules. Confirm the issuer ratio, partner terms, transfer fee, bonus registration and award availability before moving points.

Accurate Paisa never asks for a loyalty password or membership number. This guided calculator does not claim that every card supports every partner; selecting a card provides its official source, while you supply the current verified offer.