Pick the airline program you want to reach. We'll rank the Indian cards that transfer there by how many airline miles each earns per ₹100 you spend — with the transfer ratio and annual fee, so you can weigh the cost.
How it works. Miles per ₹100 = your card's base reward rate (points per ₹100) ÷ the transfer ratio (card points per 1 airline mile). Higher is better — the top card converts your spend into the most airline miles for that program. Add your monthly spend to project the airline miles you'd earn in a year on general spend. Annual fee is shown so you can weigh cost against earn; category bonuses, milestones and welcome points aren't modelled here. Estimates only — verify fees, rates, ratios and current partners before you apply.