Verified 5 Aug
Data as of 18 Jun 2026
A point transfer ratio is the conversion ratio between credit card points and partner program points, often 1:1 but sometimes 2:1 or 4:1.
Point Transfer Ratio is one of the standard terms that banks, card-issuers, and payment networks use in credit card disclosures, fee schedules, and product-comparison pages in India. When a bank or card-issuer publishes a credit card's terms and conditions, the bank uses terms like Point Transfer Ratio to describe benefits, eligibility, billing, and operational mechanics.
Cardholders will see Point Transfer Ratio referenced on the issuer's product page, in the monthly credit card statement, in dispute-resolution correspondence, and in the bank's customer-service knowledge base. Tracking the term helps the cardholder decode the fee schedule and understand what triggers a charge.
The Reserve Bank of India's 2021-22 master directions on credit cards and digital lending also use terms like Point Transfer Ratio in the regulatory framework that every card-issuer in India has to follow. FinWiz24's glossary collects these terms so readers can look them up without combing through a 40-page card-issuer T&C document.
Your card-issuer's most recent credit card terms and conditions document (usually linked from the product page) is the authoritative source. The issuer's customer-service team can also clarify how the term applies to your specific card variant.
Most credit-card terms either describe a benefit you can use (and therefore value) or a fee that the issuer charges when a specific action triggers the term. Read the related fee schedule side-by-side with the term's definition to understand the financial impact on your monthly statement.
The FinWiz24 glossary lists every credit-card term the editorial team tracks. Search for a related term above, or browse the A-Z glossary index for the full vocabulary.
No cards mention Point Transfer Ratio yet.
Check the Glossary index for other terms.
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