Transfer calculator
Convert a flexible points balance (like Amex Membership Rewards) into an airline or hotel program. Enter the current transfer ratio and any live bonus to see what lands in the destination program.
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Frequently asked
- Where do I find the current transfer ratio?
- From your bank or rewards program's own transfer page — ratios change and aren't always 1:1, so confirm the live figure before you transfer. Our transfer pages list the ratios we've sourced, each with a date.
- What is a transfer bonus?
- Programs periodically offer a bonus (say +15% to +30%) on points moved to a partner during a promotion. If you don't have an immediate redemption, waiting for a bonus stretches your points further — enter the bonus here to see the effect.
- Can I reverse a transfer?
- No. Transfers are one-way and irreversible, so only move points once you've found award space you intend to book — and transfer just the amount you need.
Related guides
How to transfer points to airline programs in Australia
Find the seat first, then transfer — how moving flexible points to airlines really works.
Amex Membership Rewards in Australia: the flexible points hub
The flexible currency that feeds many programs — hold, then transfer only when you find a seat.
Estimates only — points programs change often and award availability varies. Confirm current details with the program before booking. See our methodology.