HDFC Bank to change transfer ratios for 3 Conversion Partners effective January 15, 2024 [Minor Devaluation]

In February 2023, HDFC Bank introduced a large list of conversion partners for their Infinia and Diners Club Black customers. The partner list was long and distinguished and included airlines and hotels from around the globe.

Infinia and Diners Club Black partners list for conversion.

The partners added for conversion were as follows. I’ll put the image first and then the names for easier reference.

a screenshot of a phone


  • Star Alliance
    • Air Canada Aeroplan: 1 HDFC Bank Reward Point = 0.5 Aeroplan Miles
    • Avianca LifeMiles: 1 HDFC Bank Reward Point1 LifeMile
    • Turkish Airlines Miles&Smiles: 1 HDFC Bank Reward Point1 Turkish Airlines Miles & Smiles
    • United MileagePlus Miles:1 HDFC Bank Reward Point0.5 MileagePlus Mile
  • oneworld Alliance
    • British Airways Avios: 1 HDFC Bank Reward Point = 0.5 Avios
    • Finnair Plus: 1 HDFC Bank Reward Point1 Finnair Plus Point
  • SkyTeam Alliance
    • KLM/Air France Flying Blue: 1 HDFC Bank Reward Point1 Flying Blue Mile
    • Vietnam Airlines LotusMiles: 1 HDFC Bank Reward Point1 LotusMiles
  • Others
    • AirAsia Rewards: 1 HDFC Bank Reward Point1 AirAsia Point
    • Etihad Guest: 1 HDFC Bank Reward Point = 0.5 Etihad Guest Points
    • Hainan Airlines Fortune Wings Club: 1 HDFC Bank Reward Point1 Fortune Wings Club Point


  • Accor ALL: 1 HDFC Bank Reward Point = 1 ALL Point
  • IHG One: 1 HDFC Bank Reward Point = 1 IHG One Point
  • Wyndham Rewards: 1 HDFC Bank Reward Point = 1 Wyndham Rewards Point

Now, HDFC Bank has notified that there will be changes to three transfer partners in the coming days. No email is sent out to customers, but there is a moving scroll on top of the transfer page notifying the change. Three transfer partners will see conversion change from 1 HDFC Bank Reward Point = 1 Mile/Point to 2 HDFC Bank Reward Point = 1 Mile/Point, basically halving their value in these cases.

The affected partners are:

  • Turkish Miles & Smiles
  • Accor
  • Avianca Life Miles

Here is the screen grab. Incidentally, HDFC Bank had earlier on put this announcement, then removed it, and now it is flashing again.

a plane flying over a city

I have to admit, with these conversions, most of the valuable partners will become at par. Amongst these partnerships, I value Turkish and Avianca miles the most, and I’ll be disappointed when they move to a 0.5-mile conversion. So, I’ll transfer my miles in the coming days to one of these.


HDFC Bank Credit Cards has put customers on notice for their Infinia and Diners Club Black Credit Cards, where they will see the conversion value of their Reward Points tumble into half if you transfer them to Turkish/Avianca miles or Accor points. The change will be effective January 15, 2024, so you have time to get this out of the way and make the most of the points.

What do you think of the change in the value of the points of HDFC Bank Credit Cards?

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About Ajay

Ajay Awtaney is the Founder and Editor of Live From A Lounge (LFAL), a pioneering digital platform renowned for publishing news and views about aviation, hotels, passenger experience, loyalty programs, travel trends and frequent travel tips for the Global Indian. He is considered the Indian authority on business travel, luxury travel, frequent flyer miles, loyalty credit cards and travel for Indians around the globe. Ajay is a frequent contributor and commentator on the media as well, including ET Now, BBC, CNBC TV18, NDTV, Conde Nast Traveller and many other outlets.

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