Index
Show
Axis Bank credit card reward points: transfer options and limits
Axis Bank credit cardholders can now transfer reward points to a total of 20 loyalty partners — split between 6 hotel programmes and 14 airline programmes. These partners are grouped into Group A and Group B, and transfers are subject to groupwise calendar year limits.
What “groupwise calendar year limits” means
Groupwise calendar year limits cap the number of reward points you can move from your card’s reward pool to partners within each group during a single calendar year. In practice, this means you may have plenty of points in your account but still be restricted in how many you can transfer to partners in Group A or Group B until the next calendar year.
Why the limits matter
- Planning: If you want to redeem a large award or book a flight/hotel using transferred points, you’ll need to plan transfers across calendar years or split transfers between groups.
- Conversion strategy: Transfer ratios and partner value vary, so use your annual allowance where it gives the best return.
- Avoid surprises: Checking the remaining allowance before initiating a transfer prevents failed transactions or partial transfers.
Practical steps for cardholders
- Log in to your credit card rewards portal to view the full list of participating partners, conversion rates, and current balances.
- Check how many points you’ve already transferred to each group in the current calendar year.
- Plan transfers based on availability — prioritise higher-value redemptions within your allowed limits.
- Keep an eye on partner programme rules and expiry dates after transfer; transferred points may be subject to the partner’s terms.
Key takeaways
- 20 partners are available for transfers: 6 hotels and 14 airlines.
- Partners are split into Group A and Group B with separate calendar year transfer caps.
- Always verify conversion rates, remaining group limits, and partner T&Cs before transferring points.