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Instant transfers are available with American Express, HSBC and DBS (for yuu Points only). These conversions are typically immediate and free, making them ideal for urgent mile top-ups. However, HSBC offers a weaker transfer ratio to KrisFlyer compared to some other airline partners.
Within one day, Maybank and OCBC usually credit miles by the next calendar day, sometimes even on the same day. Both charge conversion fees.
1–3 days is the typical timeframe for Citi, DBS (DBS Points), Standard Chartered and UOB. Transfers are commonly completed within two days but may stretch to three, especially if initiated over weekends or public holidays.
The slowest option is Bank of China, which requires a manual PDF form submission. Processing can take two to three weeks, and each transfer is capped at 100,000 miles, with a fee charged per submission.
Several factors affect timing. First-time transfers often take longer due to verification checks. Some banks require advance account linking, which can delay urgent conversions if not done early. Transfers also tend to process faster on working days. Additionally, mismatched names between bank and frequent flyer accounts may cause delays or rejection.
Overall, for speed and flexibility, keeping points with instant-transfer banks is safest. Otherwise, plan ahead — especially if transferring from slower institutions — to avoid disappointment when redeeming flights.
Comments:
Good information.





