Best Credit Cards for ALL Accor
One of the world’s largest hospitality and hotel chains, Accor is a familiar name for travelers, and Accor Live Limitless (ALL), its loyalty program, is an excellent choice for frequent travelers, rewarding them for Accor hotel stays and other travel. The loyalty program offers benefits and reward points at all parts of your journey; it is pretty convenient to rack up ALL points. Although it is not possible to get tremendous value out of your points because they have a fixed redemption ratio, you can still get huge benefits from them in multiple ways.
You can earn ALL points by staying at partner hotels, transferring credit card points, renting cars, shopping, and other ways. Similarly, you have several options to redeem your ALL points. In this article, we’ll cover the Accor Live Limitless loyalty program and how to use it best.
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Top Credit Cards for Accor Live Limitless
- Joining Fee
- ₹4,999 + GST
- Annual Fee
- ₹4,999 + GST
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate4 Reward Points/₹100 for Flights, Travel Platforms, and International Spends (~4%). 2 Reward Points/₹100 for All Other Eligible Spends (~2%)
Welcome Benefits₹1,000 Cashback, PostCard Voucher Worth ₹3,000, and 3 Month EazyDiner Membership on Spending ₹25,000 Within 30 Days of Card Issuance
Card Details +
The HSBC TravelOne Credit Card is a travel-focused card with a joining and annual fee of ₹4,999 + GST, best suited for frequent travelers. You earn 4 Reward Points per ₹100 on flights, travel platforms, and international spends, and 2 Reward Points per ₹100 on other eligible purchases. Points can be transferred to multiple airline and hotel partners at a 1:1 ratio, making it valuable for air miles and hotel stays. The card also offers six domestic and four international lounge visits every year, golf rounds and lessons, travel discounts on popular platforms, milestone benefits on high annual spends, and purchase protection cover.
- Joining Fee
- ₹3,000 + GST (Nil for Burgundy Savings Account)
- Annual Fee
- ₹3,000 + GST (Nil for Burgundy Savings Account)
- Best Suited For
- Travel
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate5 EDGE Miles on Axis Travel Edge and Airline Spends. 2 EDGE Reward Points on all Other Eligible Spends
Welcome Benefits5000 EDGE Miles on Spends of ₹1,000 Within the First 30 Days of Card Issuance
Card Details +
Axis Bank Horizon Credit Card is one of the most affordable and accessible travel credit cards in India. It is best suited for those who frequently book flights directly with airlines, as it offers 5 EDGE Miles for every ₹100 spent on airline bookings, along with accelerated rewards on the the EDGE Travel Portal. The card also offers multiple domestic and international airport lounge access benefits. Additionally, cardholders can convert EDGE Miles into ALL – Accor Live Limitless points at a ratio of 2:1, with 2 EDGE Miles translating to 1 Accor point.
- Joining Fee
- ₹10,000 + GST
- Annual Fee
- ₹10,000 + GST
- Best Suited For
- Travel | Dining | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate5 Reward Points/₹150 on Regular Spends (3.33%) | Up To 10x Reward Points On SmartBuy (Up To 33.33%) | 2x Reward Points (10/₹150) On Weekend Dining (6.67%)
Welcome BenefitsComplimentary Membership of Club Marriott, Swiggy One and Amazon Prime (On Spends of Rs. 1.5 Lakh Within 90 Days of Card Issuance)
Card Details +
The HDFC Bank Diners Club Black Credit Card is another super-premium offering, similar to the Infinia Credit Card. It offers lounge access, travel insurance, and memberships to Club Marriott, Swiggy One, and Amazon Prime. You earn 5 Reward Points for every ₹150 spent, which can be converted into ALL – Accor Live Limitless points at a 2:1 ratio (2 Reward Points = 1 ALL Point).
- Joining Fee
- ₹12,500 + GST
- Annual Fee
- ₹12,500 + GST
- Best Suited For
- Travel | Dining | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate5 Reward Points/₹150 Spent (3.33% Reward Rate)
Welcome Benefits12,500 Bonus Reward Points and Complimentary Club Marriott Membership
Card Details +
The HDFC Bank Infinia Credit Card is the bank’s flagship super-premium card, available strictly by invitation. It offers lounge access, dedicated concierge services, travel insurance, and premium privileges across various spending categories.
- Earn 5 Reward Points for every ₹150 spent.
- Earn up to 10X Reward Points on eligible spends through SmartBuy.
- Convert Reward Points to ALL – Accor Live Limitless points at a 2:1 ratio (2 Reward Points = 1 ALL Point).
- Joining Fee
- Nil
- Annual Fee
- ₹25,000 + GST (Waived for Solitaire Customers)
- Best Suited For
- Travel | Shopping
- Rewards Type
- Air Miles
Rewards rate and welcome benefits
Rewards Rate10 Air Miles/₹100 Spent on Kotak Unbox Platform. 3 Air Miles/₹100 on Other Spends
Welcome BenefitsN/A
Card Details +
The Kotak Solitaire Credit Card is a super-premium, invite-only card designed for high-net-worth individuals, offering accelerated rewards on travel bookings through Kotak Unbox and zero forex markup on international transactions. Cardholders can transfer Air Miles to ALL – Accor Live Limitless points at a ratio of 2:1, meaning 2 Air Miles convert to 1 Accor point.
- Joining Fee
- ₹12,000 + GST
- Annual Fee
- ₹20,000 + GST (Waived for Premier Banking Customers)
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate3 Reward Points/₹100 Spent
Welcome Benefits20,000 Reward Points
Card Details +
The HSBC Premier Metal Credit Card stands out as a strong alternative for Accor loyalists, as it continues to offer a 1:1 transfer ratio to Accor Live Limitless (ALL). With steady reward earnings and flexible redemption options, cardholders can still extract solid value for hotel stays, making it one of the few reliable options in the market for those who prefer converting points into Accor stays.
- Joining Fee
- ₹5,00,000 + GST
- Annual Fee
- ₹3,00,000 + GST
- Best Suited For
- Travel | Fuel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate 1 EDGE Mile/₹100 Spent on All Transactions
Welcome Benefits25,000 Axis EDGE Miles OR Rs 40,000 Gift Card from ITC Hotels
Card Details +
The Axis Bank Primus Credit Card is one of the most premium and exclusive credit cards in India, available only by invitation to high-net-worth individuals. The card comes with a high annual fee and offers exclusive privileges. Cardholders earn 1 EDGE Mile for every ₹100 spent on eligible transactions. These EDGE Miles can be converted into ALL – Accor Live Limitless points at a ratio of 1:5, giving cardholders 5 Accor points for every 1 EDGE Mile transferred.
Reward Points to Accor Points Conversion Ratio
| Credit Card | Reward Point Earning | Conversion Ratio |
| HSBC TravelOne | 4 Reward Points/₹100 for Flights, Travel Platforms, and International Spends | 1:1 |
| Axis Horizon | 5 EDGE Miles on Axis Travel Edge and Airline Spends. 2 EDGE Reward Points on all Other Eligible Spends | 2:1 |
| HDFC Diners Club Black Metal | 5 Reward Points On Every ₹150 Spent. Up To 10X Reward Points On Spends Through The SmartBuy Portal | 2:1 |
| HDFC Infinia | 5 Reward Points On Every ₹150 Spent. Up To 10X Reward Points On Spends Through The SmartBuy Portal | 2:1 |
| Kotak Solitaire | 10 Air Miles/₹100 Spent on Kotak Unbox Platform. 3 Air Miles/₹100 on Other Spends | 2:1 |
| HSBC Premier Metal | 3 Reward Points/₹100 Spent | 1:1 |
| Axis Primus | 1 EDGE Mile/₹100 Spent on All Transactions | 1:5 |
How to Redeem ALL – Accor Live Limitless Reward Points
Now that we know how to earn ALL Reward points, the next step is understanding how to redeem them for maximum value. The ALL – Accor Live Limitless program offers several redemption options, including hotel stays, flights, car rentals, dining experiences, shopping, and exclusive events. Here are the main ways to use your accumulated points.
Redeem Points When Staying at Accor Hotels
One of the most useful ways to redeem ALL Reward points is towards eligible stays at Accor hotels worldwide. You can use your accumulated points to reduce your hotel booking costs, making stays at participating properties more affordable.
ALL Reward points can be redeemed towards eligible hotel expenses at a rate of 2,000 points = €40. Redemptions are generally available in multiples of 2,000 points, subject to the applicable terms and conditions.
For example, if your hotel stay costs €90, you can redeem 4,000 ALL Reward points to cover €80 of the bill. You would then need to pay the remaining €10 using cash or a credit card. The exact expenses eligible for points redemption may vary by property and booking conditions.
Other Ways to Redeem ALL Reward Points
Apart from hotel stays, you can use your ALL Reward points for several other travel and lifestyle options, depending on availability and the program’s terms.
- Flights and Transport: Redeem points through eligible airline, car rental, and train partners.
- Exclusive Experiences: Use points for selected concerts, sporting events, culinary experiences, activities, and Limitless Experiences.
- Shopping: Redeem points through eligible online shopping platforms and participating brand stores.
- Donations: Contribute points towards supported charitable projects.
The minimum number of points required varies by redemption option. Hotel stays are a particularly straightforward option because the redemption value is clearly defined, allowing you to calculate how much you can save on an eligible booking.
Understanding ALL Membership Tiers
The ALL – Accor Live Limitless loyalty program has five membership tiers: Classic, Silver, Gold, Platinum, and Diamond. Membership is complimentary, and you can progress through the tiers by earning Status points or completing qualifying nights at participating hotels.
| Membership Tier | Qualification Requirement |
| Classic | Available Upon Joining |
| Silver | 10 nights or 2,000 Status Points |
| Gold | 30 nights or 7,000 Status Points |
| Platinum | 60 nights or 14,000 Status Points |
| Diamond | 26,000 Status Points |
Higher membership tiers unlock additional privileges, such as welcome drinks, room upgrades subject to availability, early check-in or late check-out, lounge access, Suite Night Upgrades, and dining benefits, depending on the tier and applicable conditions.
Reward Points vs Status Points
ALL uses two types of points, and understanding the difference is important if you want to maximize your membership benefits.
- Reward Points: These can be redeemed for eligible hotel stays, travel, experiences, and other rewards.
- Status Points: These determine your progress towards higher membership tiers and their associated privileges. They cannot be redeemed like Reward Points.
In simple terms, Reward Points help you save money on eligible bookings and experiences, while Status Points help you unlock more benefits during your hotel stays.
How to Book a Hotel Stay with ALL Reward Points
Follow these steps to redeem your ALL points for your next stay –
- Visit the Accor Hotels website or mobile app and log in to your account.
- Search for your destination and add other details. Choose from the list of hotels available.
- On the Finalize your Booking Page, click on Pay with Reward Points. Make sure you have a sufficient number of ALL points, or else you won’t see the Pay with Reward Points feature.
- Click on ‘+’ to increase the reward points you want to redeem. The cost of the hotel stay will reduce as you increase the number of reward points.
- If there is any remaining balance, pay it with your credit card and confirm your booking.
ALL Accor+ Explorer Membership?
Several credit cards offer complimentary ALL Accor+ Explorer membership, while travelers can also obtain the membership separately to enjoy its benefits. It is particularly useful for those who frequently stay at Accor hotels, dine at participating restaurants, and want to make the most of their ALL – Accor Live Limitless points.
While earning and redeeming ALL Reward points helps you get more value from your hotel stays, ALL Accor+ Explorer takes the experience further by offering hotel discounts, complimentary nights, dining privileges, and elite status benefits. This lets travelers enjoy additional savings while earning points on eligible stays and working toward higher membership tiers.
Benefits of ALL Accor+ Explorer Membership
- Two Complimentary Nights: Enjoy two Stay Plus Free Nights per membership year at participating hotels across Asia Pacific and the Middle East, subject to eligibility, availability, and applicable terms.
- Hotel Discounts: Get 15% off eligible hotel bookings worldwide through Explorer member rates, with access to selected Red Hot Rooms offers offering discounts of up to 50%.
- Dining Privileges: Enjoy up to 30% off food and 15% off drinks at participating restaurants and bars across Asia Pacific and the Middle East.
- Complimentary Gold Status: Receive 30 ALL Status Nights upon joining or renewing, providing Gold status for the membership period, subject to the program terms.
- Enhanced Hotel Privileges: Access benefits such as welcome drinks, room upgrades, and flexible check-in or check-out, where available at participating properties.
- Exclusive Member Offers: Access More Escapes packages, member-only events, and selected hotel and partner offers.
How Does ALL Accor+ Explorer Complement Your Credit Card Rewards?
ALL Accor+ Explorer is particularly valuable for travelers who earn ALL Reward points through credit card spending or transfers from eligible bank reward programs. You can use your accumulated points towards eligible hotel stays while taking advantage of Explorer’s membership benefits, potentially reducing your overall travel expenses.
The membership also adds a status advantage to your hotel stays. The 30 Status Nights awarded upon joining or renewing can help you reach Gold status or progress towards higher tiers if you already hold an eligible status. This means you can combine credit card rewards, hotel discounts, complimentary nights, and elite recognition for a more rewarding travel experience.
Bottom Line
Being one of the largest hotel chains in the world, Accor is loved by travelers globally, and its Accor Live Limitless program offers you many benefits and privileges. The best way you can earn ALL reward points is by staying at any of Accor’s 4,000+ hotel properties around the world. You can even transfer your credit card reward points to ALL points.
Similar to earning ALL points, the best way to redeem points is for stays at Accor hotels. However, you can redeem ALL points only in multiples of 2,000. There are other options for redeeming your ALL points as well. We recommend you use your ALL points for hotel stays if you want maximum benefit out of them because the value of points is reduced when you go for other options.
Do you plan on staying at an Accor hotel anytime soon? Be sure to sign up for their Accor Live Limitless loyalty program so that you can earn and make full use of your ALL reward points.
Frequently Asked Questions
How Can You Earn Accor Live Limitless Reward Points in India?
You can earn Accor Live Limitless (ALL) Reward Points by staying at participating Accor hotels, transferring eligible credit card reward points, renting cars through partner services, shopping through eligible partners, and participating in promotional offers.
Which Are the Best Credit Cards for Earning Accor ALL Points in India?
Some of the credit cards to consider for earning Accor ALL points are the HSBC TravelOne Credit Card, Axis Bank Horizon Credit Card, HDFC Bank Diners Club Black Metal Edition Credit Card, HDFC Bank Infinia Metal Credit Card, HSBC Premier Metal Credit Card, Kotak Solitaire Credit Card, and Axis Bank Primus Credit Card. The best option depends on the reward rate, transfer ratio, annual fee, and your spending pattern.
What Is the Accor ALL Reward Points Redemption Value?
For eligible hotel expenses, 2,000 ALL Reward Points are worth €40. This means each point has a redemption value of €0.02 when used for eligible hotel bookings, subject to the program's terms and conditions.
Can You Transfer Credit Card Reward Points to Accor ALL?
Yes, you can transfer reward points or miles from eligible credit cards to Accor ALL. The transfer ratio varies by card and bank. For example, the cards covered in this article offer different ratios, including 1:1, 2:1, and 1:5, depending on the respective rewards currency and transfer terms.
How Many Accor ALL Points Do You Need for a Free Hotel Stay?
The number of ALL Reward Points required depends on the cost of the eligible hotel booking. Under the standard redemption rate, 2,000 points cover €40 of eligible expenses. For example, you can use 4,000 points to cover €80 of an eligible hotel bill, with the remaining amount payable separately.
What Is the Difference Between Accor ALL Reward Points and Status Points?
ALL Reward Points can be redeemed for eligible hotel expenses, travel options, and other rewards. Status Points, on the other hand, help members qualify for higher ALL membership tiers. Reward Points are used for redemptions, while Status Points determine membership progress.
What Are the Benefits of ALL Accor+ Explorer Membership?
ALL Accor+ Explorer offers benefits such as Stay Plus complimentary nights, eligible hotel booking discounts, dining privileges at participating venues, and membership status benefits. The exact benefits depend on the membership terms, participating properties, availability, and applicable conditions.
Reader Comments
3 comments · Join the discussion below
Pay with points is not showing against any property. I called Novotel kolkata they said redemption can only be done online .
I have tow CCs. HDFC and Axis and both have ACCOR as travel partner. Can I transfer my rewards from both CC to one ACCOR ID?
Yes, we can transfer.