Points, Miles & Redemption14 min read
Checked against HDFC SmartBuy and each programme’s terms, October 2026.
Since July 2026, HDFC BizPower transfer partners have included 22 airlines and hotels, all through SmartBuy. 14 of them take your points at 2:1 and the other 8 at 3:1. That’s a big deal for a ₹2,500 business card, and it’s why so many self-employed people are suddenly looking at their BizPower balance again.
But a list of 22 names doesn’t tell you where to send your points. So we worked out what one BizPower point is worth at each partner, in rupees. The short answer? Accor gives you about ₹1.05 a point on any hotel stay, and Avios through Finnair can give you ₹2 a point in business class. If you’re new to the card itself, start with our HDFC Biz Power credit card guide.
Quick Answer
Which HDFC BizPower transfer partner is best?
For hotel stays, Accor is the best HDFC BizPower transfer partner. At 2:1, each BizPower point is worth about ₹1.05, on any date. For business class flights, send points to Finnair Plus at 2:1 and use the Avios on Qatar Airways, which works out to about ₹2 a point. Skip Marriott, where a point is worth less than in HDFC’s own catalogue.
Key takeaways
HDFC BizPower has 22 transfer partners: 16 airlines and 6 hotel groups, 14 at 2:1 and 8 at 3:1.
Accor is the best all-rounder, at about ₹1.05 per BizPower point. That’s 13% back on a 5X spend like GST or Google Ads.
For Avios, go through Finnair, not Qatar or British Airways. Finnair takes your points at 2:1 instead of 3:1, so you get 50% more Avios.
Most 3:1 partners only pay off in business class. In economy, they’re worth less than the ₹0.65 business catalogue.
Transfers happen on SmartBuy and usually take 0 to 3 days. They can’t be reversed, and the points have to go to an account in your own name.
Table of contents
- All 22 partners
- What a point is worth at each
- Transferring to Accor
- Best airline partners
- How to transfer
- BizPower vs Infinia and Biz Black
- Let PointsFly do the tracking
- Cite this data
- FAQs
All 22 HDFC bank BizPower partners
HDFC Bank BizPower partners include 16 airlines and 6 hotel groups. 2:1 means 2 BizPower points become 1 mile or hotel point, and 3:1 means you need 3.
HDFC BizPower airline partners (16)
| Airline programme | Ratio | 1,000 BizPower points become |
|---|---|---|
| Singapore Airlines KrisFlyer | 2:1 | 500 miles |
| Air France-KLM Flying Blue | 2:1 | 500 miles |
| Avianca LifeMiles | 2:1 | 500 miles |
| Turkish Airlines Miles&Smiles | 2:1 | 500 miles |
| United MileagePlus | 2:1 | 500 miles |
| Finnair Plus (Avios) | 2:1 | 500 Avios |
| AirAsia Rewards | 2:1 | 500 points |
| Vietnam Airlines Lotusmiles | 2:1 | 500 miles |
| SpiceJet SpiceClub | 2:1 | 500 points |
| Qatar Airways Privilege Club (Avios) | 3:1 | 333 Avios |
| British Airways Club (Avios) | 3:1 | 333 Avios |
| Air India Maharaja Club | 3:1 | 333 points |
| Air Canada Aeroplan | 3:1 | 333 points |
| Cathay Pacific Asia Miles | 3:1 | 333 miles |
| Etihad Guest | 3:1 | 333 miles |
| Thai Airways Royal Orchid Plus | 3:1 | 333 miles |
HDFC BizPower hotel partners (6)
| Hotel programme | Ratio | 1,000 BizPower points become |
|---|---|---|
| Accor Live Limitless (ALL) | 2:1 | 500 points |
| IHG One Rewards | 2:1 | 500 points |
| Club ITC | 2:1 | 500 points |
| Radisson Rewards | 2:1 | 500 points |
| Wyndham Rewards | 2:1 | 500 points |
| Marriott Bonvoy | 3:1 | 333 points |
This list hasn’t changed since the partners went live in July. Still, it’s worth a quick look on SmartBuy before you move a big balance.
What a BizPower point is worth at each partner
A BizPower point is worth anywhere from ₹0.23 to about ₹2, depending on the partner and how you use the miles or points once they land.
To get these numbers, we took what each mile or hotel point is worth in rupees and divided it by the transfer ratio. The programme values come from our own guides, where we priced real award seats and hotel nights from India.
| Where your points go | How you use them | Value per BizPower point |
|---|---|---|
| Finnair Plus (Avios), 2:1 | Qatar Airways business class | About ₹2 |
| Accor, 2:1 | Any Accor hotel stay | About ₹1.05 |
| KrisFlyer, 2:1 | Singapore Airlines business class | About ₹1 |
| Finnair Plus (Avios), 2:1 | Economy flights | About ₹0.70 |
| HDFC business catalogue | No transfer | Up to ₹0.65 |
| KrisFlyer, 2:1 | Economy flights | About ₹0.60 |
| SmartBuy flights and hotels | No transfer | Up to ₹0.50 |
| Qatar or British Airways (Avios), 3:1 | Economy flights | About ₹0.47 |
| Marriott Bonvoy, 3:1 | A typical stay | About ₹0.23 |
| Cashback | No transfer | ₹0.15 |
Here’s the line that matters: HDFC’s business catalogue gives you up to ₹0.65 a point with no effort at all. A transfer is only worth it when it beats that. Accor always does. Airline miles do too, as long as you’re booking business class or using Finnair’s better ratio.
Transferring BizPower points to Accor (the best pick for most)
Yes, you can transfer BizPower points to Accor, and it’s the best value most people will get. It’s 2:1, so 2 BizPower points become 1 ALL point. Each ALL point takes €0.02 off your bill, about ₹2.12. That makes every BizPower point worth around ₹1.05.
What makes Accor so useful is that its points have a fixed value. There’s no award chart and no hunting for a “saver” night. 2,000 points take €40 off at any Accor hotel, on any date. That covers Novotel, Pullman, Sofitel, ibis, Mercure and plenty more across India.
BizPower to Accor calculator
Accor takes points off in blocks of 2,000, so it’s best to transfer in round amounts.
| BizPower points | ALL points | Off your stay |
|---|---|---|
| 8,000 | 4,000 | €80 (about ₹8,470) |
| 20,000 | 10,000 | €200 (about ₹21,180) |
| 40,000 | 20,000 | €400 (about ₹42,360) |
| 1,00,000 | 50,000 | €1,000 (about ₹1,05,900) |
Now think about what that means for your spends. Once your 5X is on, ₹200 of GST earns 25 BizPower points. At Accor, that’s 12.5 ALL points, worth about ₹26.50. So you’re getting roughly 13% back on a payment your business had to make anyway.
There are two things to watch out for. ALL points expire after 12 months without activity, so don’t move them too early. And you only get the full ₹2.12 when Accor’s own rate is the best price for the room. Check a booking site before you pay with points. Our guide to what Accor points are worth goes deeper.
You might also have seen HDFC’s offer of an Accor+ Explorer membership for 10,000 points, live on SmartBuy until 17 December 2026. That one’s only for Infinia, Diners Club Black and Biz Black cardholders, so BizPower doesn’t qualify.
Want to compare your BizPower points with your other cards?
Try our free Reward Points Calculator and compare your cards before you transfer a single point.
Best airline partners for BizPower points
Airline miles can beat Accor, but only if you use them the right way. Here’s where we’d put BizPower points.
Avios (via Finnair Plus)
Qatar Airways and British Airways take BizPower points at 3:1. Finnair Plus takes them at 2:1. All three use Avios, and you can move Avios between them, so going via Finnair gets you 50% more Avios for the same points.
And that’s where Avios get really good. Delhi to Doha in Qatar business class costs 26,000 Avios one way, against a cash fare of over ₹1,15,000. At ₹4 or more an Avios, a BizPower point sent via Finnair works out to about ₹2. That’s the best value on the whole list.
A few things to sort out first. Open your Finnair, British Airways and Qatar accounts early, since new accounts have to wait 30 days before moving Avios out. Qatar and Finnair don’t link directly, so the Avios go through British Airways on the way. And don’t leave Avios in Finnair for long, because they expire there after 18 months without activity. Our guide to what Avios are worth in rupees has the full routes.
KrisFlyer
KrisFlyer is the simpler option. It’s 2:1, and there are no extra steps. A KrisFlyer mile is worth about ₹2 in Singapore Airlines business class, so each BizPower point gets you about ₹1. In economy, it drops to about ₹0.60, which is just under the business catalogue. One thing to remember: KrisFlyer miles expire 36 months after you earn them, whatever you do. More in our KrisFlyer miles value guide.
Partners to skip
- Marriott Bonvoy. At 3:1 and about ₹0.70 a Marriott point, you get roughly ₹0.23 per BizPower point. The business catalogue gives you almost three times that.
- Qatar and British Airways direct. Same Avios as Finnair, just fewer of them. There’s no reason to go direct.
- Most 3:1 partners for economy flights. Air India, Aeroplan, Asia Miles, Etihad and Thai can make sense for a specific business class seat. For economy, the catalogue usually wins.
How to transfer HDFC BizPower points (SmartBuy or NetBanking)
You transfer HDFC BizPower points on SmartBuy, in the Miles Transfer section. The whole thing takes a few minutes.
- Find your award first. Check the seat or hotel night is actually available before you move anything.
- Get your loyalty number ready. The account has to be in your own name, the same as on your card.
- Log in to SmartBuy. You can also get there from NetBanking: go to Privileges, pick your card, then Miles Transfer.
- Pick BizPower and your partner. Choose the airline or hotel programme you want.
- Enter your membership number and points. SmartBuy shows you how many miles or points you’ll get.
- Confirm. That’s it.
How long transfers take
Most transfers land within 0 to 3 days, and plenty show up in a few hours. Just don’t count on the fast end if the seat you want could disappear.
Rules to know
- Transfers are final. Once the points leave HDFC, you can’t bring them back.
- Your name only. You can’t send points to a family member’s account.
- Check the limits on screen. HDFC hasn’t published a minimum or a monthly cap for BizPower. On its other cards, transfers go in multiples of 100, so plan for that.
- Mind the expiry clock. Your BizPower points last 2 years. Miles and hotel points have their own rules once they land.
BizPower vs Infinia and Biz Black transfer ratios
On ratios alone, Infinia is stronger. Most of its partners are 1:1 or 2:1, while BizPower’s are 2:1 or 3:1.
| Partner | Infinia and Diners Club Black | BizPower |
|---|---|---|
| KrisFlyer | 1:1 | 2:1 |
| Finnair Plus (Avios) | 1:1 | 2:1 |
| Accor | 2:1 | 2:1 |
| Qatar and British Airways (Avios) | 2:1 | 3:1 |
| Air India Maharaja Club | 2:1 | 3:1 |
| Marriott Bonvoy | 2:1 | 3:1 |
| United, Turkish, LifeMiles | 2:1 | 2:1 |
| IHG, Radisson, Wyndham | 1:1 | 2:1 |
Notice something? On Accor, BizPower gets exactly the same 2:1 as Infinia. So for hotel stays, your ₹2,500 card does the same job as a ₹12,500 one.
And BizPower earns faster on business spends. You get 25 points per ₹200 on tax, GST, ads and bills once your 5X is on, which is a lot of points to start with even at 2:1. If you hold both cards, our HDFC Infinia guide shows where each one earns more.
What about Biz Black? HDFC’s premium business card got transfer partners too, and reports say they’re mostly 2:1. HDFC hasn’t published the full list, so check SmartBuy if you hold one.
Let PointsFly do the tracking
22 partners, two different ratios, a Finnair detour and expiry rules that change once your points land. That’s a lot to work out every time you want to book something.
PointsFly does it for you. It knows what your BizPower points are worth at every partner and in HDFC’s catalogue. When you’re ready to book, it shows you the route that gets the most out of them.
Ready to see what your BizPower points are worth?
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Read next: our full HDFC Biz Power credit card guide, what Accor points are worth, and what Avios are worth in rupees.
Cite this data
Writing about HDFC BizPower? Feel free to use our numbers.
Transfer ratios come from the July 2026 launch reports by SaveSage, Card Maven and Live From A Lounge, cross-checked with PointsCasa’s HDFC transfer table on 28 October 2026. Point values come from PointsFly’s guides to Accor, Avios, KrisFlyer and Marriott Bonvoy, divided by each transfer ratio. Accor is converted at €1 = ₹105.9 (28 October 2026).
Something like this works: “PointsFly estimates that an HDFC BizPower point is worth about ₹1.05 when transferred to Accor and about ₹2 when sent to Avios via Finnair for Qatar business class.”
All we ask is a link back. We update these numbers when HDFC or the programmes change their rates.
FAQs
About the author
Vibhav Singh is the Founder & CEO of PointsFly and a credit card rewards strategist with 39K+ Instagram followers (@pointsflywithvibhav). He has personally booked 200+ flights on points and previously built XTEN-AV, an AI-powered SaaS platform now used in 130+ countries.