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

Introduction

The IndusInd Bank Avios Visa Infinite Credit Card is an ultra-premium, multi-co-branded travel credit card issued by IndusInd Bank, operating on the Visa Infinite network. It is designed for frequent international travelers, offering a unique experience by partnering with Qatar Airways and British Airways. Cardholders can choose their preferred airline loyalty program and an international destination to maximize benefits. Key differentiating benefits include earning Avios (the loyalty currency for both airlines), a low foreign currency markup at preferred international destinations, and comprehensive travel perks such as complimentary airport meet-and-greet services and lounge access.

Welcome Benefits

• 20,000 Bonus Avios upon joining, credited after 15 days of receipt of joining fees, regardless of the chosen airline loyalty program.

Fees & Charges Breakdown

• Joining Fee: ₹10,000 + GST
• Renewal Fee: ₹5,000 + GST
• Spend-Based Waiver: Not applicable
• Reward Redemption Fee: Nil
• Foreign Currency Markup:
  • 1.5% at Preferred International Destinations
  • 3.5% Everywhere Else
• Interest Rates: 3% Per Month and 36% Per Annum
• Fuel Surcharge Waiver: 1% waiver for fuel spends between ₹500 and ₹10,000
• Cash Advance Charges: Nil

Rewards & Cashback Structure

• Avios Earning Rate:
  • 6X Avios per ₹200 for Point of Sale (POS) transactions at selected preferred international destinations.
  • 5X Avios per ₹200 for spends on Qatar Airways & British Airways website and App.
  • 3X Avios per ₹200 for online spends at selected preferred international destinations.
  • 3X Avios per ₹200 for spends in domestic and other international destinations (all other spends).
  • 1X Avios per ₹200 for spends on Utilities, Government services, Education, and Insurance.
  • No Avios shall be earned for fuel transactions.
  • 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.
• Milestone Benefits:
  • 18,000 bonus Avios after your first spends of ₹8 Lakhs or more in a year.
  • An additional 18,000 bonus Avios after your second spends of ₹8 Lakhs or more in the same year.
  • A maximum of 36,000 bonus Avios can be earned in a year through milestone benefits.
  • Bonus Avios are credited within 10 days after card statement generation once the milestone spend is achieved.
• Renewal Benefits:
  • 5,000 bonus Avios, credited after 15 days of receipt of the renewal fee.
• Reward Redemption Options:
  • Avios earned can be redeemed against a host of different options at the Qatar Airways or British Airways website/mobile app.
  • For Qatar Airways Privilege Club: Redeem Avios for award flights and upgrades, to buy gifts, transfer Avios at Qatar Duty Free, partner airlines award flights, book flights with Cash + Avios, and more.
  • For British Airways Executive Club: Redeem Avios for reward flights, class upgrades, booking British Airways Holidays, booking flights with Cash + Miles, booking hotel stays, car rentals, travel experiences, and more.
  • Redemptions are governed by the terms and conditions of the respective airline loyalty programme.

Travel, Lounge & Lifestyle Perks

• Domestic Lounge Access: 2 complimentary domestic lounge access per calendar quarter at participating lounges.
• International Lounge Access:
  • Complimentary Priority Pass membership.
  • 2 complimentary international lounge access per calendar quarter through Priority Pass.
  • Cardholder needs to call 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 off for more than 2 lounge visits in each calendar quarter.
  • Usage charges of up to USD 35 for visits of Primary Cardholders to any Priority Pass lounge within India shall not be waived off.
  • Usage charges of up to USD 35 for visits of guests of Cardholders to any lounge within or outside India shall not be waived off.
• Airport Meet and Greet Services:
  • Two complimentary Airport Meet and Greet services per year at leading international airports.
  • Available for the primary cardholder or their travel companion (primary cardholder must be present).
  • Services include dedicated 1-to-1 service, meet-and-greet on arrival, guidance through the airport for security and immigration, assistance with baggage reclaim, and porter service for up to 3 bags (subject to availability).
• Airline Benefits:
  • If Qatar Airways Privilege Club is chosen as the preferred airline loyalty program, cardholders receive an exclusive 10% discount on booking flights via the Qatar Airways app or website.
  • Discount applies to all flights departing from India, using promo code ‘IDSCB23’.
• Travel Insurance:
  • Overseas medical insurance worth $25,000, covering hospitalization due to accidental injury or illness while on an international trip.
  • Coverage for the cardholder along with a spouse (if accompanying), with a maximum trip duration of 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.
  • Age group for coverage is up to 65 years, and claims are settled on a reimbursement basis.
  • Personal air accident insurance cover of ₹25 Lakh.
  • Additional insurance coverage in partnership with The Oriental Insurance Company Ltd. for:
    • Lost baggage – ₹1,00,000
    • Delayed baggage – ₹25,000
    • Loss of passport – ₹50,000
    • Lost ticket – ₹25,000
    • Missed flight connection – ₹25,000
• Concierge Service:
  • Personal concierge service to assist with travel planning and lifestyle needs.
  • Pre-trip assistance: Information on requirements, yacht services, sightseeing places.
  • Gift and Flower Delivery Assistance: Delivery of flowers and gifts anywhere in the world.
  • Hotel Referral and Reservation Assistance: Handling reservations at hotels worldwide.
  • Dining Referral and Reservation Assistance: Recommendations and reservations at exclusive dining locations globally.
  • International Events: Assistance with visiting iconic events, arranging tickets for sold-out events and hospitality events (e.g., football matches, tennis tournaments, motor racing, fashion events, music festivals, art exhibitions).
• Elderly Care Assist:
  • Concierge service to arrange care for elderly family members in India while the cardholder travels.
  • Services include homecare personnel, OPD appointments, diagnostic test bookings, healthcare packages, teleconsultation appointments, home quarantine programs, physiotherapy assistance, and consultations with wellness experts, dieticians, and nutritionists.
  • The cardholder would bear the cost of these services.
• Visa Offers:
  • 25% discount on retail rates for Airport Fast Track immigration service at over 450 destinations worldwide.
  • 20% off retail rates on Luxury Airport Transfer Service in key cities globally.

Credit Card Review

The IndusInd Bank Avios Visa Infinite Credit Card is a highly valuable offering for frequent international travelers, particularly those who regularly fly with British Airways or Qatar Airways. Its unique multi-co-branded nature allows cardholders to align benefits with their preferred airline loyalty program and international destination, maximizing Avios earnings and travel perks. While the card carries a high joining fee of ₹10,000 + GST and an annual fee of ₹5,000 + GST, the extensive suite of benefits, including accelerated Avios earning, discounted forex markup at preferred destinations, complimentary lounge access, airport meet-and-greet services, comprehensive travel insurance, and dedicated concierge services, justifies the cost for its target audience. The milestone benefits offering up to 36,000 bonus Avios annually further enhance its value proposition. This card is a must-have for global travelers seeking a premium and seamless travel experience.

Important Product Details

• Card Name: IndusInd Bank Avios Visa Infinite Credit Card
• Issuing Bank: IndusInd Bank
• Card Network: Visa Infinite
• Card Type: Ultra-premium metal card with an innovative, sleek design. It is a chip-based contactless credit card.
• Co-branding: Co-branded with AVIOS GROUP (AGL) LIMITED and QATAR AIRWAYS GROUP Q.C.S.C., allowing cardholders to choose between Qatar Airways Privilege Club or British Airways Executive Club.
• Key Highlights:
  • Power to Choose: Flexibility to select a preferred airline loyalty program and an international destination to maximize benefits.
  • Avios Currency: Earns Avios, the reward points for both Qatar Airways and British Airways loyalty programs.
  • Accelerated Rewards: Up to 6X Avios on specific international spends and 5X Avios on airline website/app bookings.
  • Low Forex Markup: Discounted 1.5% foreign currency markup at preferred international destinations.
  • Milestone Benefits: Opportunity to earn up to 36,000 bonus Avios annually on reaching spend targets.
  • Comprehensive Travel Perks: Includes complimentary domestic and international lounge access, airport meet-and-greet services, personal concierge, and extensive travel insurance.
  • Total Protect Program: Offers protection against fraudulent activity up to the credit limit, covering unauthorized transactions (up to 48 hours prior to reporting loss), counterfeit cards, and fraudulent use in case of a stolen card, also applicable to add-on cards.
  • Contactless Feature: Enables swift, convenient, and secure tap-and-pay transactions.

Other Details

• Preferred international destinations can be selected at the time of applying for the card and can be changed at every renewal. Any change will be effective post the next billing cycle.
• The available preferred international destination choices include Americas (North and South America), Europe and North Asia, Middle East and South Asia, Africa, and Australia, New Zealand, Far East and others.
• The 1% fuel surcharge waiver is applicable for fuel spends between ₹500 and ₹10,000.
• For Elderly Care Assist, the request for service should be placed at least 72 hours prior to the service needed.
• The cost for services requested through the concierge (including Elderly Care Assist) is to be paid by the customer.
• The IndusInd Bank Avios Visa Infinite Credit Card is a co-branded credit card with a revenue-sharing arrangement between IndusInd Bank, AVIOS GROUP (AGL) LIMITED, and QATAR AIRWAYS GROUP Q.C.S.C.
• The contactless feature allows for faster day-to-day payments at merchant locations accepting contactless payments, shopping at 10 lakh merchant outlets in India and over 30 million worldwide, and for online purchases and e-commerce transactions.