HDFC points · Avios
HDFC Infinia and Diners Club Black Metal points move to British Airways Avios at 2:1. Sent through Finnair Plus first, the same points arrive as Avios at 1:1, and Avios move between Finnair, British Airways and Qatar Airways for free. This page walks through every account, link and transfer, with each programme's own rules.
Mumbai → Doha, business costs 26,000 Avios. On Infinia, that is:
How it works
Finnair, British Airways and Qatar Airways all use Avios, and Avios move between their programmes 1:1 and free once the accounts are linked. HDFC sends Finnair Plus 1 Avios per point on Infinia and Diners Club Black Metal, against 1 Avios per 2 points sent straight to British Airways. Finnair Plus cannot link to Qatar directly, so the route runs through British Airways.
Which cards
| Card | To Finnair Plus | Straight to British Airways | Mumbai → Doha, business |
|---|---|---|---|
| Infinia | 1:1 | 2:1 | 26,000 points via Finnair |
| Diners Club Black Metal | 1:1 | 2:1 | 26,000 points via Finnair |
| Regalia Gold | 2:1 | 2:1 | 52,000 points via Finnair |
| BizBlack Metal | Not a partner | Not a partner | Route not open. Transfers to Singapore KrisFlyer 1:1 only |
HDFC's public documents say only "up to 1 airmile" per point and do not list partner-wise ratios, so these come from the card records in the Krediit app, matching what cardholders see on SmartBuy's Miles Transfer page and what Indian points blogs report (PointsMath, August 2026; FlightPoints, October 2026). Check the ratio on SmartBuy before you move points.
The Avios price is the lowest one-way award we last checked; Qatar prices change with demand and dates, so look up yours on Qatar's Avios calculator. Taxes and Qatar's carrier-imposed booking fee are paid in cash on top. Qatar Airways Avios calculator · checked 27 October 2026.
Today
Linking needs accounts that are at least 30 days old, on both the Finnair and the British Airways side. Open all three today, even if the trip is months away: the waiting is the slow part, and the transfers themselves take minutes.
Use the same full name (as on your passport), email address and date of birth on all three accounts. Finnair and British Airways also ask for two-step login to be on before they link.
Where your HDFC points land, as Avios
Source: Finnair Plus rules · Finnair: when do my Avios expire
The bridge: Finnair cannot link to Qatar
Source: About The British Airways Club
Where you book the seat
After 30 days
Do these in order. The HDFC transfer is the only step that cannot be undone, so it comes after you have found a seat.
Look up the Avios price on Qatar's Avios calculator, then check that award seats are open on your dates. Qatar's award-flight finder needs you to sign in to Privilege Club.
Qatar adds taxes and a carrier-imposed booking fee in cash, which varies by route and cabin. Cash + Avios lets you pay part of a fare with as little as 1,000 Avios.
Start from Balance and transactions in your Finnair Plus account, which takes you to avios.com to link the two. Both accounts need two-step login, and the name, email and date of birth must match.
You must be 18 or over and the Finnair Plus account at least 30 days old. Only British Airways customer service can unlink the accounts later.
Finnair: transfer Avios between programmes avios.com: link Finnair
Link online on avios.com, on qatarairways.com or in the Qatar app (Link your account). The British Airways account must be at least 30 days old, and the full name, email and date of birth must match.
Only one account on each side can be linked, and a Qatar account can never be linked to a different British Airways account later. If you change the email on the British Airways account, Avios cannot move for 7 days.
avios.com: link Qatar The British Airways Club: combine Avios
On SmartBuy, open Miles Transfer and choose Finnair Plus. Or in NetBanking: Cards > Enquire > Redeem Reward Points > pick the card > Air Miles. The first time, register your Finnair Plus number under Frequent Flyer Registration, then redeem.
Infinia can move up to 1,50,000 points a calendar month, a limit shared with SmartBuy flight and hotel bookings. Once the points leave HDFC they cannot come back.
HDFC Bank: redeem reward points HDFC SmartBuy
Source: HDFC Bank reward points · Infinia reward points terms
On avios.com, move them across 1:1. It is free, as often as you like, from 1 to 9,99,999 Avios at a time, and lands almost instantly.
On Finnair's basic tier you can move up to 10,00,000 Avios in 12 months, in both directions together. Don't leave Avios sitting in Finnair: their 18-month clock does not reset on a transfer.
With the British Airways and Qatar accounts linked, you can pay for a Qatar award from either account's Avios without moving them first, online.
Or move them to Qatar Privilege Club: 1:1, free, with no minimum or maximum, credited straight away.
Source: avios.com: Qatar transfer terms
Keep this
Points that leave HDFC never come back. Find the seat before step 4.
Finnair and British Airways accounts must each be 30 days old before they link. Open all three today.
Full name as on your passport, email and date of birth must match across all three accounts.
Award seats carry taxes and Qatar's carrier-imposed booking fee, paid in cash.
Finnair Avios expire after 18 months without activity, and transfers don't count. Move them on to British Airways the same day.
Rules as published by HDFC Bank, Finnair, British Airways and Qatar Airways on the dates shown. Programmes change ratios, limits and award prices, so check each step on the programme's own page before you move points. Krediit has no commercial relationship with Finnair, British Airways or Qatar Airways. Each programme is your own account with the airline.More on how points and transfers work in the rewards guide.
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