Axis Bank Transfer Partners: Group A vs Group B Explained

Axis Bank has over 20 transfer partners for its credit card points. But here's what trips people up: not all partners are treated equally.

The bank divides them into two groups. Group A and Group B. Each group has its own annual transfer cap. And the caps vary based on which card you hold.

If you've ever wondered why you can't transfer as many points as you'd like to Singapore Airlines but Flying Blue seems fine, this is why.

The Two Groups

Group A includes most international airlines and premium hotel programs. These are typically the partners people want to use for aspirational redemptions.

Group B includes domestic airlines, some international programs, and a few hotel chains. The caps here are more generous.

Group A Partners

• Accor Live Limitless
• Air Canada Aeroplan
• Etihad Guest
• Ethiopian ShebaMiles
• Japan Airlines Mileage Bank
• Marriott Bonvoy
• Qatar Airways Privilege Club
• Singapore Airlines KrisFlyer
• Thai Airways Royal Orchid Plus
• Turkish Airlines Miles & Smiles
• United MileagePlus
• Wyndham Rewards

Group B Partners

• Air France-KLM Flying Blue
• Air India Maharaja Club
• AirAsia Rewards
• IHG One Rewards
• ITC Hotels
• Qantas Frequent Flyer
• SpiceJet SpiceClub
• The PostCard Hotel

Notice that Flying Blue is in Group B, not Group A. That's interesting because it's a SkyTeam program with solid international redemption options. Same with Qantas. These placements work in your favour if you use these programs.

Annual Transfer Limits by Card

Here's where your card tier matters. The caps below are per calendar year.

If you hold multiple Axis cards, the limit is determined by your highest card variant. And it applies at the Customer ID level, not per card.

When Do the Caps Reset?

The annual caps follow the calendar year. They reset on January 1st each year.

So if you transferred 30,000 Edge Miles to Singapore Airlines in March 2025 and hit your Atlas Group A cap, you'll need to wait until January 1, 2026 to transfer to any Group A partner again.

Plan accordingly if you have a specific redemption in mind. December is often a good time to use up remaining caps before the reset.

Don't Transfer Without a Plan

Before you move points to any partner program, remember this: those miles expire too. Flying Blue miles expire after 24 months of inactivity. Maharaja Club points also expire after 24 months of no earning activity. Each program has its own rules. Some are stricter than others.

The point is: don't transfer speculatively. Don't move points to a program just because you might use them someday. Have a specific redemption in mind. Check award availability first. Then transfer.

Once points leave your Axis account, they're governed by the partner program's rules. And revival or extension isn't always possible. We wrote more about why rushing to transfer might be a mistake.

Transfer Ratios Vary Too

This guide focuses on the grouping and caps. But keep in mind that transfer ratios also differ significantly by card tier.

Magnus Burgundy and Burgundy Private cardholders get better conversion rates than other lower-tier cards. The difference can be substantial.

For detailed transfer ratios, partner program specifics, and to track all your points in one place, you can check the Magnify app. It shows exactly how many miles you'll get when you transfer, factoring in your card's ratio.

The Bottom Line

Don't transfer speculatively. Have a clear booking in mind before you move any points.

Group B limits are generous, especially for Air India and Flying Blue. If you're flying SkyTeam or Star Alliance, you likely won't hit the ceiling. Group A caps are tight, so save those for hotel programs like Accor or Marriott where accumulating makes sense.

And remember: your Axis points expire too. Check your statement to see when they lapse, and plan accordingly.