If you have been sitting on HSBC credit card reward points waiting for the right moment, this might be it.

HSBC India has launched a limited-time 50% bonus when you convert credit card reward points to ALL – Accor Live Limitless points. For hotel lovers and users planning stays at Sofitel, Pullman, Novotel, ibis, Fairmont, or Raffles, this is one of the strongest hotel transfer deals of the year.

Offer Snapshot

• Offer Period: December 15 to December 21, 2025

• Bonus: 50% extra Accor ALL points

• Bonus Cap: 50,000 ALL points per cardholder

• Conversion Channel: HSBC India Mobile Banking App only

• Bonus Credit Timeline: Within 30 days

Eligible Cards and Transfer Rates

Why This Offer Matters

Accor points follow a revenue-based redemption model, which means their value is predictable and directly offsets your hotel bill. Unlike airline miles, there is no award availability stress or dynamic pricing tricks.

Base Accor valuation: ~₹2 per point

Current effective value: ~₹2.1 per point, driven by Euro conversion rates

With the 50% transfer bonus, the value of HSBC points increases significantly.

The math that matters:

• Earlier: 10,000 HSBC points = 10,000 Accor points ≈ ₹21,000 value

• Now: 10,000 HSBC points = 15,000 Accor points ≈ ₹31,500 value

This translates to an effective value of ~₹3.15 per HSBC point, which is exceptional by Indian credit card standards.

For users who prioritise certainty, flexibility, and real-world savings, this offer turns HSBC reward points into one of the strongest hotel currencies available right now.

When You Should Transfer

Transfer now if:

You prefer predictable hotel redemptions over airline award seat searches

You have upcoming travel in Southeast Asia, Europe, or India where Accor has a strong presence

You want discounted luxury stays at properties like Raffles Udaipur, Fairmont Jaipur, or Sofitel Mumbai BKC

Hold your points if:

Your primary goal is premium cabin flights like Singapore Airlines Suites or Qatar Qsuites

You consistently extract very high value from airline miles

You are deeply loyal to Marriott or Taj and do not want to split hotel ecosystems

How This Compares to Other HSBC Transfer Options

HSBC offers strong airline partners at a 1:1 ratio, but bonuses are rare.

Airline miles can give higher upside, but availability is unpredictable

Marriott Bonvoy at 1:1 usually offers lower value per point

Accor with a 50% bonus offers certainty, flexibility, and strong rupee value

For hotel-focused users, this beats most regular airline or hotel transfers.

Key Terms to Remember

Transfers are irreversible

Accor account name must match your HSBC card name

Bonus points are capped and credited separately

Offer ends sharply on December 21 at 11:59 PM

Final Verdict

If you hold HSBC Premier, TravelOne, or Privé, this is arguably the best hotel redemption opportunity of 2025.

The combination of a 50% bonus and Accor’s fixed-value system removes redemption risk and locks in solid value.

Action item:

Open the HSBC India Mobile App, check your reward balance, and transfer before December 21 if hotels are part of your travel plans.