Maximise your Avios, air miles and hotel points

You can now transfer Avios to IHG One Rewards points – but you really shouldn’t

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Avios (the British Airways, Iberia and Aer Lingus version) has never allowed you to transfer your points directly into a hotel loyalty programme.

This changed when Qatar Airways Privilege Club adopted Avios. Via Privilege Club, you can convert your Avios into Accor Live Limitless hotel points.

As this article shows, you don’t want to do it because it is poor value. 4,500 Avios gets you just 1,000 Accor points worth €20 off your next stay.

Back in March, Finnair Plus adopted Avios too.

After a hiatus, Finnair has brought back its three hotel points transfer deals.

You can see details of all three deals in the Finnair shop here.

To take advantage of these deals, you need to move your Avios from British Airways Executive Club to Finnair Plus by linking your accounts and doing a free, instant and reversible transfer.

This HfP article explains how to transfer Avios to Finnair Plus.

Which hotel schemes partner with Finnair Plus?

The first transfer deal is with Accor Live Limitless. At 4,600 Avios for 1,000 Accor points, worth €20 off your next stay, it is even poorer value than the Qatar Airways / Accor deal.

The second is with Strawberry, the loyalty programme for Nordic Choice hotels. I don’t know enough about this to comment on the value, but 15,000 Avios is worth 7,500 Strawberry points. The future of Strawberry is uncertain as it is merging with Norwegian Reward.

The third Avios transfer deal is far more mainstream – with IHG One Rewards. This is the loyalty programme for Holiday Inn, Crowne Plaza, InterContinental, Hotel Indigo, Regent, Staybridge Suites etc.

You won’t be surprised to hear, unfortunately, that it’s not a good deal.

13,500 Avios (in Finnair Plus) converts into 10,000 IHG One Rewards points.

We value an Avios at 1p and an IHG One Rewards point at 0.4p.

If you trust these numbers, you are giving up £135-worth of Avios to receive £40-worth of IHG One Rewards points. Don’t do it.

It would only be worth considering if the IHG transfer counted towards elite status in IHG One Rewards. It doesn’t, however. There are some IHG partners who do give you ‘elite qualifying’ points in IHG One Rewards (see here) but Finnair is not one of them.

Don’t give up on using Avios for hotels though

There ARE some excellent deals to be had using Finnair Plus Avios for hotels.

This HfP article explains how to use Avios for rooms at Scandic and Sokos hotels at exceptionally cheap rates – and I will doing just this in Copenhagen next week.


How to earn Avios from UK credit cards

How to earn Avios from UK credit cards (June 2025)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus Card

30,000 Avios and the famous annual Companion Voucher voucher Read our full review

British Airways American Express Credit Card

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £15,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

American Express Preferred Rewards Gold Credit Card

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

50,000 bonus points and great travel benefits – for a large fee Read our full review

Run your own business?

We recommend Capital on Tap for limited companies. You earn points worth 0.8 Avios per £1 on the FREE standard card and 1 Avios per £1 on the Pro card. Capital on Tap cards also have no FX fees.

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

There is also a British Airways American Express card for small businesses:

British Airways American Express Accelerating Business Card

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

The American Express Business Platinum Card

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

The American Express Business Gold Card

20,000 points sign-up bonus and FREE for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

Comments (17)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Swiss Jim says:

    Rob is right of course. However, I earn a lot of Avios every month. And I’m Diamond with IHG with lounge access and a lot of time on my hands now retired. My IHG points are looking lower than I would wish. The temptation of topping up again so I can continue to sit and eat/drink in IC lounges for free is definitely there. Not saying I will go for this, I probably won’t. But I’m thinking about it…

    • Rob says:

      Makes no sense.

      Buy IHG points for 0.4p each when there is a 100% bonus running.

      Redeem Avios via Nectar for 0.5p each.

    • Charlie says:

      I’m (nearly) in the same boat as you with just under a million Avios and around half a million IHG points, with IHG lounge access until the end of 2026 (I’ll hit 70 nights in October) but I still wouldn’t convert Avios to IHG. Or anything else for that matter. When you factor in the flexible cash rates of IHG on, for example, the Friends and Family rate, plus 10% back, plus points, plus any bonus promotions, then paying cash now for IHG stays is better than using points in most circumstances. I’m struggling to wind down my IHG points balance and the fewer I have the better, and that’s with a valuation of 0.3p per point. I averaged £42 per night cash at the IC Berlin in the summer when points would have been three times that. same with IC Warsaw and Budapest, although Budapest does often have comparable point to cash rates. I’ve used points at IC Athens and this week in Amman and Doha, but even then if I’d paid cash I’d be £15-20 per night better off and only because there are no IHG promotions on at the moment.

      • Swiss Jim says:

        Now that all makes sense. As does Rob’s piece as I said in my first line. Was at IC Berlin myself not that long ago. With lounge access and free breakfast £42/night is phenomenal (it’s pretty good without!!).

        • Charlie says:

          I started to keep a record of all my IHG costs at the beginning of 2023. The Berlin rate was £303 for three nights at the beginning of August (a good time to visit and a flexible rate too with day before cancellation). I received 14,174 points, plus another 6,000 (2k per night promotion). Plus 10% back plus another £75 as Germany was one of the qualifying Amex countries. All in – a very good stay. Superb lounge. And an industrial size breakfast operation downstairs in the banquet hall!

          • Swiss Jim says:

            A true pro 👏
            Agree the lounge is fabulous.

          • Charlie says:

            Also, the food and beverage vouchers: if you value IHG points at 0.3p, basically mean half price (which are typically overpriced in the first place) food and drinks. However, for a Diamond Ambassador with lounge access, what should you choose? My answer is: if you’ve been upgraded to the Club floor, a drink, as you will usually get access to breakfast anyway. If you haven’t been upgraded to the Club floor, and the Club breakfast is not as good as the general breakfast (which often they are not), then choose breakfast. And if you are hungry at lunch, and see the fillet steak at 50 EUR, remember that with the Ambassador credit, plus the complimentary drink (nice glass of red wine), plus the food and beverage vouchers you are basically paying about £15 for a decent fillet steak and a glass of red wine. 🙂 Plus a nice tip of course. And if you are still hungry or thirsty there is also the lounge 🙂

  • Swiss Jim says:

    Already redeem maximum Avios to Nectar.
    Earn over 3 million Avios pa.

    • The Savage Squirrel says:

      Never mind hotel transfers; what everyone really wants to know is how you earn 3M Avios per year when not even flying for work 😀

      • Aston100 says:

        That’s like £30k per annum in points.

        Does anyone want to take a guess?

      • Swiss Jim says:

        Yes. Shouldn’t have mentioned that should I. Forget I said it…

  • ADS says:

    Rob, speaking of Avios – have you created the Peak / Off Peak calendar for 2025 yet?

    • Rob says:

      We got it from Avios and then we were told that we should not use it as ‘it was wrong’. Heard nothing since.

  • BA Flyer IHG Stayer says:

    “If you trust these numbers, you are giving up £135-worth of Avios to receive £40-worth of IHG One Rewards points. Don’t do it.”

    I wouldn’t necessarily say “don’t do it” but more “think seriously before doing it”

    For some people cashing out those avios to IHG may work for them. Using them for nectar may not be an option.

    And if you need those points for an IHG redemption it may work out for some people.

    • Rob says:

      Note that we have no idea how long the transfer could take – could be days, a week or so, we don’t know – so if you’ve got a redemption ready to book then buy the points instead.

    • will says:

      IF you’re in that position transfer the points to me and I’ll buy you the equivalent no. of IHG points + 10% 🙂

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