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, designed to offer a reimagined international travel experience. This card allows cardholders to earn Avios, the reward points for both Qatar Airways Privilege Club and British Airways Executive Club loyalty programs. A key differentiating feature is the flexibility to choose a preferred airline loyalty program and an international destination to maximize benefits. It also stands out with a low foreign currency markup at preferred destinations and a comprehensive suite of travel benefits, including airport meet and greet services, lounge access, and various insurance coverages.

Welcome Benefits

• 20,000 bonus Avios, credited after 15 days of receipt of joining fees.
• This benefit is applicable regardless of whether the cardholder chooses Qatar Airways Privilege Club or British Airways Executive Club as their preferred airline loyalty program.

Fees

• Joining Fee: ₹10,000 + GST/taxes.
• Annual Fee: ₹5,000 + GST/taxes, payable after 12 months of card issuance.
• Spend-Based Waiver: Not applicable.
• Rewards 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 (waived).

Rewards

Reward Earning Rate

• 6X Avios/₹200 for Point of Sale (POS) transactions at selected preferred international destinations.
• 5X Avios/₹200 for spends on Qatar Airways & British Airways website and App.
• 3X Avios/₹200 for online spends on selected preferred international destinations.
• 3X Avios/₹200 for spends in domestic and other international destinations.
• 1X Avios/₹200 for spends on Utilities, Government services, Education, and Insurance.
• All other spends earn 3X Avios/₹200.
• Avios are credited to the 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.
• Preferred destinations can be selected at the time of applying for the card and can be changed after an anniversary year is completed, effective post the next billing cycle.

Milestone Benefits

• Bonus 18,000 Avios after the first spends of ₹800,000 or more in a year.
• An additional bonus of 18,000 Avios after a second spend of ₹800,000 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

• Bonus 5,000 Avios, credited within 15 days of paying the renewal fee.

Travel Benefits

• Airport Meet and Greet Services:
  • Two complimentary meet-and-greet services per year at leading international airports.
  • Services include dedicated one-to-one service, meet-and-greet on arrival, guidance through the airport for seamless immigration and security, assistance with 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, provided the primary cardholder is present during travel. The benefit is non-transferable.
• Priority Pass Program:
  • Complimentary Priority Pass membership, providing access to international airport lounges worldwide.
  • Cardholders receive 2 international lounge visits per calendar quarter.
  • The Priority Pass Card must be requested from the IndusInd Bank Contact Center and will be delivered to the registered mailing address.
  • Usage charges of up to USD 35 for visits by the primary cardholder to any lounge outside India will 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 will not be waived.
  • Usage charges of up to USD 35 for visits of guests of cardholders to any lounge within or outside India will not be waived.
  • Lounge access usage charges are subject to change as governed by Priority Pass.
• Domestic Lounge Access:
  • 2 complimentary visits per calendar quarter at participating domestic lounges.
  • Cardholders can enjoy gourmet meals, free WiFi, and entertainment.
• Airline Benefits (for Qatar Airways Privilege Club choice):
  • An exclusive 10% discount on flight bookings made via the Qatar Airways app or website.
  • The discount applies to all flights originating from India.
  • Promo code ‘IDSCB23’ must be applied for each booking to avail this benefit.
• International Travel Health Insurance:
  • Complimentary personal air accident insurance cover of up to USD 25,000.
  • Coverage for hospitalization due to accidental injury or illness during 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 the age group up to 65 years.
  • Claim settlement mode is on reimbursement.
• Travel Insurance (in partnership with The Oriental Insurance Company Ltd.):
  • Lost baggage: Up to ₹1,00,000.
  • Delayed baggage: Up to ₹25,000.
  • Loss of passport: Up to ₹50,000.
  • Lost ticket: Up to ₹25,000.
  • Missed flight connection: Up to ₹25,000.
• Concierge Service:
  • Pre-trip assistance: Information on various requirements, yacht services, best sightseeing places, and planning.
  • Gift and Flower Delivery Assistance: Arranges delivery of gifts and flowers anywhere in the world.
  • Hotel Referral and Reservation Assistance: Handles reservations at hotels worldwide.
  • Dining Referral and Reservation Assistance: Provides referrals and makes reservations at exclusive dining locations globally.
  • International Events: Assists in planning itineraries and arranging tickets for iconic events such as football matches, tennis tournaments, motor racing events, fashion events, music festivals, and art exhibitions.
  • The cost for services requested through the concierge is to be paid by the customer.
• Elderly Care Assist (Concierge Service):
  • Arranges home care personnel (in major cities like Mumbai, Pune, Delhi NCR, Bangalore, Chennai, Kolkata, Hyderabad).
  • Facilitates OPD appointments, diagnostic test bookings (across 100+ cities), and healthcare packages.
  • Assists with teleconsultation appointments with GPs and specialists, home quarantine programs, and physiotherapy assistance (in select cities).
  • Arranges consultations and bookings with wellness experts, nutritionists, and dieticians for elderly family members residing in India while the cardholder travels.
  • Requests for this service should be placed at least 72 hours prior to the service needed.
  • The cardholder bears the cost of these services.
• Visa Offers (Network Offers):
  • Airport Meet & Greet Immigration Services: 25% discount on retail rates for Airport Fast Track immigration service at over 450 destinations worldwide.
  • Visa Airport Limo Transfer Program: 20% off retail rates on airport transfer service in key cities globally.

Insurance Benefits (General)

• Total Protect Program:
  • Protects against fraudulent activity on the card up to the credit limit, also available on add-on cards.
  • Covers unauthorized transactions for up to 48 hours prior to reporting the loss/theft of the card.
  • Provides insurance against counterfeit card fraud, where card details are stolen and misused.

Rewards Redemption Guide

• Avios earned can be redeemed against a host of different options at the Qatar Airways or British Airways website or mobile app.
• For Qatar Airways Privilege Club: Avios can be spent for award flights and upgrades, to buy gifts, transfer Avios at Qatar Duty Free, partner airlines award flights, book flights with Cash + Avios, and for purchases at a wide range of shopping, dining, and entertainment outlets by linking payment cards.
• For British Airways Executive Club: Avios can be spent for reward flights, class upgrades, booking British Airways Holidays, booking flights with Cash + Miles, booking hotel stays, car rentals, and travel experiences.
• Redemptions are governed by the terms and conditions of the respective airline loyalty program.

Card Review

The IndusInd Bank Avios Visa Infinite Credit Card is a must-have for frequent international travelers, particularly those who regularly fly with British Airways and Qatar Airways. Despite its high joining fee of ₹10,000 + GST and an annual fee of ₹5,000 + GST, the card offers substantial value through its unique Avios reward program, allowing cardholders to choose their preferred airline loyalty program and international destination for maximized benefits. Its comprehensive suite of travel privileges, including airport meet and greet services, complimentary international and domestic lounge access, concierge services, flight discounts, and extensive insurance coverage, makes it a strong contender in the premium travel card segment. The low forex markup fee of 1.5% at preferred international destinations further enhances its appeal for global spenders. The card's value has significantly increased since its revaluation in April 2025, making it a highly rewarding option for those who travel across the globe.

Important Product Details

• Bonus 20,000 Avios as a welcome benefit.
• Earn up to 6X Avios per ₹200 spent on Point of Sale transactions at preferred international destinations.
• Earn 5X Avios per ₹200 spent on Qatar Airways or British Airways website/app.
• Earn 3X Avios per ₹200 spent on other domestic and international transactions, and for online spends at preferred international destinations.
• Earn 1X Avios per ₹200 for utilities, government, education, and insurance spends.
• Low foreign currency markup fee of 1.5% at preferred international destinations.
• Opportunity to earn up to 36,000 Avios annually as a milestone benefit on reaching target spends.
• Bonus 5,000 Avios as a renewal benefit.
• Includes 2 complimentary international lounge access per quarter with Priority Pass membership.
• Provides 2 complimentary domestic lounge access per quarter.
• Offers airport meet and greet service and personal concierge service.
• Comprehensive travel-related insurance benefits, including overseas medical, air accident, lost baggage, delayed baggage, loss of passport, lost ticket, and missed flight connection coverage.
• 1% fuel surcharge waiver on transactions between ₹500 and ₹10,000.
• Cash advance fee is waived.
• Ultra-premium metal card with an innovative, sleek design.
• Features contactless payment for swift, convenient, and secure transactions.
• Accepted at 10 lakh merchant outlets in India and over 30 million outlets worldwide.
• Supports safe online shopping and e-commerce transactions.
• Includes the 'Total Protect' program for protection against fraudulent activities up to the credit limit.

Other Details

• The card operates on the Visa Infinite network.
• It is best suited for travel, with Avios as the reward type (Air Miles).
• Cardholders can choose between Qatar Airways Privilege Club or British Airways Executive Club as their preferred airline loyalty program.
• 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 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., with a revenue sharing arrangement.
• Various benefits and services are subject to specific terms and conditions, including those related to meet-and-greet services, Priority Pass, airline benefits, insurance policies, concierge services, elderly care assist, fuel surcharge waiver, and the Total Protect program.