What Your Points Are Worth in Rupees (November 2026)

The table

How to work out the value of any redemption

Use the same flight or room, on the same date, at the same fare type:

Value per point = (cash price − taxes and fees you still pay) ÷ points needed

Example (IndiGo): A Chandigarh–Delhi seat cost ₹2,862 in cash or 5,259 BluChips. That works out to about ₹0.54 per BluChip. On Delhi–Mumbai, ₹5,037 or 10,702 BluChips came to about ₹0.47.

Our points value calculator does this maths for you.

Programme notes

Scapia Coins

• Fixed at 5 Coins = ₹1 and can cover 100% of an in-app booking.
• The earn rates are quoted in Coins. "10%" on everyday Visa spends means 2% in real value; "20%" on in-app travel means 4%.
• No cashback or airline transfers. Coins only work inside the Scapia app.

IndiGo BluChip

• Members earn 8 BluChips per ₹100 at the base tier (Blu 3), 10 at Blu 2 and 12 at Blu 1, plus 4 more on eligible direct bookings, per a September 2026 guide.
• Redemption starts at 500 BluChips. Taxes and fees are paid in cash.
• IndiGo says BluChips have no cash value, so the per-point value moves with each fare.
• BluChips stay valid as long as you earn or redeem at least once every 24 months.

→ Full guide: IndiGo BluChip: what one BluChip is really worth

Air India Maharaja Club

• In April 2026, Air India cut many economy award prices. Delhi–Goa fell from 9,000 to 5,000 points and Goa–Hyderabad from 7,000 to 2,500. Some routes went up: Delhi–Srinagar rose from 6,500 to 7,000.
• Southeast Asia now starts at 12,000 points in economy.

→ Full guide: Air India's cheaper award chart

KrisFlyer

• Saver one-way prices: India–Singapore 19,000 miles in economy and 45,000 in business. Singapore–Bali is 8,000 on Singapore Airlines or 4,500 on Scoot.
• HDFC Infinia transfers 1:1. Axis Atlas transfers 1:2, within a Group A annual cap of 30,000 EDGE Miles.

Accor ALL

• 2,000 points = €40, flat. There's no award chart and no blackout dates.
• HSBC TravelOne transfers 1:1, uncapped. HDFC Infinia, Diners Black and Axis Atlas transfer 2:1. Axis dropped Accor in April 2026 and restored it by September.

→ Full guide: How to stay at a 5-star hotel for free with points

HDFC Infinia / Diners Club Black

• 1 point = ₹1 on SmartBuy flights and hotels, which is the simple floor.
• Transfers at 1:1 to KrisFlyer and Flying Blue can beat ₹1 per point on good award seats. Air India and Marriott transfer at 2:1, which is usually poor value.

IRCTC SBI card

• 1 point = ₹1 on IRCTC. The Premier card earns 10 points per ₹125 on AC train tickets, about 8% back.

→ Full guide: Book train tickets with points

FAQ

Which points are the easiest to use? Scapia Coins, Taj NeuCoins and IRCTC SBI points. Each has a fixed value with nothing to calculate.

Which points can be worth the most? Transferable points (HDFC, Axis, HSBC) moved to an airline or Accor at a good ratio. Check caps and ratios first, because transfers can't be reversed.

Is 1 IndiGo BluChip worth ₹1? Usually not. Real redemptions mostly land between about ₹0.40 and ₹0.60 per BluChip.

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Values are estimates for comparison, not offers. Confirm in the programme's own app before you transfer or redeem. Transfers are usually irreversible.

Sources: Scapia Coins · CardInsider: BluChip route examples · BilTrip: BluChip guide · AwardWallet: Air India award changes · Mainly Miles: KrisFlyer prices by route · CardAdvisor: Accor ALL in India · CardAdvisor: HDFC transfers · Magnify: Axis EDGE partners, Sept 2026 · CardGenius: Taj InnerCircle · CardAdvisor: IRCTC SBI Premier