IndusInd Bank Avios Visa Infinite Credit Card – Benefits, Fees & Eligibility

IndusInd Bank Avios Visa Infinite Credit Card

Introduction

The IndusInd Bank Avios Visa Infinite Credit Card is an ultra-premium metal card with an innovative, sleek design, offering a reimagined international travel experience. This multi-co-branded travel credit card allows cardholders to choose their preferred airline loyalty programme between Qatar Airways Privilege Club or British Airways Executive Club, and also select a preferred international destination to maximize benefits. It enables cardholders to collect Avios, the reward currency for both loyalty programs, and enjoy milestone benefits of up to 36,000 bonus Avios annually, along with accelerated Avios at their chosen international destination. Avios can be redeemed for flight tickets, hotel stays, car rentals, and more. The card also provides unmatched international travel benefits, including complimentary meet-and-greet services, a dedicated concierge, elderly care assist, international travel health insurance, and a discounted foreign currency markup at the preferred international destination.

Welcome Benefits

• For choosing Qatar Airways Privilege Club as Preferred Airline Loyalty Programme: 20,000 bonus Avios.
  • Welcome Bonus Avios would be credited after 15 days of receipt of joining fees.
• For choosing British Airways Executive Club as Preferred Airline Loyalty Programme: 20,000 bonus Avios upon joining.
  • Welcome Bonus Avios would be credited after 15 days of receipt of joining fees.

Fees

• Joining Fee: ₹10,000 + GST
• Renewal Fee: ₹5,000 + GST
• Spend-Based Waiver: Not applicable.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup:
  • 1.5% at selected preferred international destination for Point of Sale (POS) transactions.
  • 3.5% everywhere else.
• Interest Rates: 3% Per Month (36% Per Annum)
• Fuel Surcharge: 1% waiver on fuel surcharge for transactions between ₹500 and ₹10,000 at any fuel station in the country.
• Cash Advance Charges: Nil

Rewards

The IndusInd Bank Avios Visa Infinite Credit Card offers a comprehensive rewards program focused on earning and redeeming Avios, along with extensive travel and lifestyle benefits.

Avios Earning Rate

Cardholders can maximise Avios earnings based on their spending categories:

• 6 Avios per INR 200 spent on Point of Sale (POS) transactions in the selected preferred international destination.
• 5 Avios per INR 200 spent on Qatar Airways & British Airways website and App.
• 3 Avios per INR 200 spent on online transactions at the selected preferred international destination.
• 3 Avios per INR 200 spent on domestic and other international destinations.
• 1 Avios per INR 200 spent on Utilities, Government services, Education, and Insurance.
• 3 Avios per INR 200 spent on all other categories.
• Avios would be credited to your account 10 days post statement generation.
• Avios will be earned only for spends up to the assigned credit limit in every statement cycle.
• Fuel transactions will not earn any Avios.

Milestone Benefits

• 18,000 bonus Avios after the first spends of INR 800,000 in a year.
• An additional 18,000 bonus Avios after the second spends of INR 800,000 in a year.
• A maximum of 36,000 bonus Avios can be earned in a year through milestone benefits.
• Milestone benefits would be credited 10 days post statement generation, after milestone spends are achieved.

Renewal Benefit

• 5,000 bonus Avios would be credited after 15 days of receipt of renewal fees, regardless of the chosen airline loyalty programme.

Travel Benefits

Meet-and-Greet Services

• Enjoy two complimentary meet-and-greet services per year at leading international airports.
• Services include assistance for smooth check-in, security, immigration, baggage reclaim, and porter service for up to 3 bags (subject to availability).
• This benefit can be availed by the primary cardholder or their travel companion; the primary cardholder must be present if a companion avails the service. This benefit is non-transferable.

International Lounge Access (Priority Pass Programme)

• Receive a complimentary Priority Pass membership, providing access to international lounges worldwide.
• Enjoy 2 international lounge visits per calendar quarter.
• Cardholders need to call the IndusInd Bank Contact Center to request the Priority Pass card.
• Usage charges of up to USD 35 for visits by the primary cardholder to any lounge outside India shall not be waived for more than 2 lounge visits in each calendar quarter.
• Usage charges of up to USD 35 for visits of the primary cardholder to any Priority Pass lounge within India shall not be waived.
• Usage charges of up to USD 35 for visits of guests of cardholders to any lounge within or outside India shall not be waived.
• The usage charges for lounge access are subject to change as governed by Priority Pass.

Domestic Lounge Access

• Enjoy 2 complimentary visits per calendar quarter to participating domestic lounges in India, offering gourmet meals, comfortable seats, and free Wi-Fi.

Airline Benefits (Qatar Airways)

• If Qatar Airways Privilege Club is chosen as the preferred airline loyalty programme, enjoy 10% off for flight bookings made on www.qatarairways.com or the Qatar Airways mobile app.
• This discount is eligible for all flights originating from India.
• Promo code ‘IDSCB23’ must be applied for each booking to avail this benefit.

Travel Insurance

International Travel Health Insurance

• Complimentary personal air accident insurance cover of up to USD 25,000.
• Coverage includes hospitalization due to accidental injury or illness while on an international trip.
• Covers the cardholder along with an accompanying spouse.
• Maximum trip duration is 60 days per person per trip.
• Claim is admissible only if the travel ticket is booked through the IndusInd Bank Avios Visa Infinite Credit Card.
• Applicable for individuals up to 65 years of age.
• Claim settlement mode is on reimbursement.

Comprehensive Travel Insurance (in partnership with The Oriental Insurance Company Ltd.)

• Lost baggage: Up to Rs 1,00,000
• Delayed baggage: Up to Rs 25,000
• Loss of passport: Up to Rs 50,000
• Lost ticket: Up to Rs 25,000
• Missed flight connection: Up to Rs 25,000

Air Accident Cover

• Complimentary personal air accident insurance cover of up to 25 lakhs.

Total Protect

• A first-of-its-kind programme that covers the cardholder for an amount equal to the credit limit on the card and is also available on add-on cards.
• Covers unauthorised transactions in case of loss/theft of card for up to 48 hours prior to reporting the loss.
• Protects against counterfeit fraud where the card or card details are misused.

Concierge Services

Elderly Care Assist

• Offers professional elderly care concierge services for family members residing in India while the cardholder travels.
• Services include:
  • Homecare personnel with fixed working hours in major cities (Mumbai, Pune, Delhi NCR, Bangalore, Chennai, Kolkata, Hyderabad).
  • OPD appointments.
  • Diagnostic test bookings with various pathology tests across 100+ cities in India.
  • Healthcare packages, including various ailment and support packages.
  • Teleconsultation appointments with GPs and specialists.
  • Home quarantine programme packages.
  • Physiotherapy assistance at home in select cities.
  • Consultations and bookings with wellness experts, nutritionists, and dieticians.
• Cardholders bear the cost of these services. Request should be placed at least 72 hours prior.

International Events

• Get access to iconic and sold-out international events, including music concerts, tennis tournaments, cricket events, football matches, motor racing events, fashion events, music festivals, and art exhibitions, along with hospitality packages.
• Cardholders bear the cost for the service requested.

Other Concierge Services

• Pre-trip assistance: Information on travel requirements, yacht services, best sightseeing places, and general trip planning.
• Flowers and Gift Delivery Assistance: Facilitates delivery of flowers and gifts anywhere in the world.
• Hotel Referral and Reservation Assistance: Handles reservations in splendid hotels worldwide.
• Dining Referral and Reservation Assistance: Provides referrals/recommendations and makes reservations at exclusive dining locations globally.
• Cardholders bear the cost for these services.

Rewards Redemption Guide

Avios earned with the IndusInd Bank Avios Visa Infinite Credit Card can be redeemed for a variety of rewards through your chosen airline loyalty programme.

For Qatar Airways Privilege Club

• Redeem Avios for award flights and upgrades.
• Purchase gifts or transfer Avios at Qatar Duty Free.
• Book partner airline award flights.
• Book flights with Cash + Avios.
• Redemptions are also possible on the Qatar Airways mobile app.
• Visit the Qatar Airways Privilege Club website for more details on redemption options.

For British Airways Executive Club

• Redeem Avios for reward flights and class upgrades.
• Book British Airways Holidays.
• Book flights with Cash + Miles.
• Book hotel stays, car rentals, and travel experiences.
• Redemptions are also possible on the British Airways Executive Club mobile app.
• Visit the British Airways Executive Club website for more details on redemption options.

Card Review

The IndusInd Bank Avios Visa Infinite Credit Card is an excellent choice for frequent international travelers, especially those who often fly with Qatar Airways or British Airways. Its multi-co-branded nature allows flexibility in choosing a preferred airline loyalty program and an international destination for maximized benefits. The card offers a competitive Avios earning rate, particularly for POS transactions at preferred international destinations (6 Avios/INR 200) and for bookings on Qatar/British Airways websites (5 Avios/INR 200). A significant advantage for international spenders is the low foreign currency markup fee of 1.5% at preferred destinations, though it reverts to 3.5% elsewhere.

While the card carries a high joining fee of ₹10,000 + GST and an annual fee of ₹5,000 + GST, these are offset by substantial welcome benefits (20,000 bonus Avios), milestone benefits (up to 36,000 bonus Avios annually), and renewal benefits (5,000 bonus Avios). The comprehensive suite of travel benefits, including two complimentary international and domestic lounge accesses per quarter, two annual airport meet-and-greet services, extensive travel insurance covers (international health, lost/delayed baggage, passport, tickets, air accident), and a dedicated concierge service (including elderly care assist), adds immense value. Overall, despite the premium fees, the card delivers significant privileges and value for globetrotters seeking a seamless and rewarding travel experience.

Important Product Details

• Ultra-premium metal card with an innovative, sleek design.
• Opportunity to choose between Qatar Airways Privilege Club or British Airways Executive Club as the preferred airline loyalty programme.
• Ability to select a preferred international destination to maximize Avios earnings and foreign currency benefits.
• Welcome benefit of 20,000 bonus Avios, credited 15 days after joining fee receipt.
• Earn up to 36,000 bonus Avios annually through milestone spends of INR 800,000 (twice a year).
• Renewal benefit of 5,000 bonus Avios.
• Accelerated Avios earning rates:
  • 6 Avios per INR 200 on POS transactions at preferred international destinations.
  • 5 Avios per INR 200 on Qatar Airways & British Airways website and App spends.
  • 3 Avios per INR 200 on online spends at preferred international destinations, and other domestic and international spends.
  • 1 Avios per INR 200 on Utilities, Government, Education, and Insurance spends.
• Low foreign currency markup fee of 1.5% at preferred international destinations (3.5% elsewhere).
• Complimentary Priority Pass membership offering 2 international lounge visits per calendar quarter.
• 2 complimentary domestic lounge visits per calendar quarter.
• Two complimentary airport meet-and-greet services per year at leading international airports.
• Comprehensive travel insurance benefits including:
  • International Travel Health Insurance up to USD 25,000 (cardholder + spouse).
  • Air Accident cover up to 25 lakhs.
  • Coverage for lost baggage (Rs 1,00,000), delayed baggage (Rs 25,000), loss of passport (Rs 50,000), lost ticket/missed flight connection (Rs 25,000).
• Dedicated concierge services covering elderly care assist, international event access, pre-trip assistance, gift delivery, hotel reservations, and dining reservations (customer bears service costs).
• 1% fuel surcharge waiver for transactions between ₹500 and ₹10,000.
• 'Total Protect' program offering insurance cover up to the credit limit for unauthorized transactions (up to 48 hours prior to reporting) and counterfeit fraud.
• Chip-based contactless credit card for swift, convenient, and secure transactions.

Other Details

• The card is a co-branded credit card issued by IndusInd Bank in partnership with AVIOS GROUP (AGL) LIMITED and QATAR AIRWAYS GROUP Q.C.S.C., operating under a revenue sharing arrangement.
• Visa Offers:
  • Airport Meet & Greet Immigration Services: Visa Infinite Cardholders can enjoy a 25% discount on retail rates for Airport Fast Track immigration services at over 450 destinations worldwide.
  • Visa Airport Limo Transfer Program: Visa Infinite Cardholders can enjoy 20% off retail rates on airport transfer services in key cities globally.
• The preferred international destination can be changed after an anniversary year of the card is completed, effective post the next billing cycle. This request can be placed by calling 1860 267 7777 or writing to priority.care@indusind.com.
• The Avios would be credited to the account 10 days post statement generation.
• For concierge services, requests should be placed at least 72 hours prior to the service needed, by calling 18002099071 or writing to Indusindassist@aspirelifestyles.com. The cardholder is responsible for the cost of these services.