IndusInd Intermiles Voyage Visa Credit Card – Benefits, Fees & Eligibility

Introduction

The IndusInd InterMiles Voyage Visa Credit Card, issued by IndusInd Bank, is positioned as a premium travel card designed to offer extensive travel and lifestyle benefits. Key differentiating features include a generous welcome bonus of 2,000 InterMiles along with discount vouchers for flights and hotels, accelerated InterMiles earnings on travel and weekend spends, and a "Buy 1 Get 1 Free" offer on movie tickets. The card also provides a complimentary Priority Pass membership and various travel insurance covers, making it suitable for frequent travelers seeking comprehensive rewards and privileges.

Welcome Benefits

• On Joining:
  • 2,000 bonus InterMiles.
  • Flight discount voucher worth Rs. 750 on bookings via intermiles.com.
  • Hotel discount voucher worth Rs. 1,500 on bookings via interbook.intermiles.com.
• On Renewal (every year on paying renewal fee):
  • 2,500 bonus InterMiles.
  • Flight discount voucher worth Rs. 500 on bookings via intermiles.com.
  • Hotel discount voucher worth Rs. 1,000 on bookings via interbook.intermiles.com.

Fees

• Joining Fee: Rs. 2,000 + GST
• Annual Fee: Rs. 2,000 + GST
• Spend-Based Waiver: Not applicable.
• Rewards Redemption Fee: Nil.
• Foreign Currency Markup: 3.5% on the conversion amount.
• Interest Rates: 3.83% per month (46% per annum).
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on all transactions between Rs. 400 to Rs. 4,000 across all fuel stations in India.
• Cash Advance Charges: 2.5% on the withdrawal amount, subject to a minimum charge of Rs. 300.
• InterMiles Uncapping Annual Fee: INR 7,500 + applicable GST, if you wish to continue earning InterMiles beyond the 50,000 InterMiles per year cap.

Rewards

• Rewards Rate (InterMiles earnings per INR 100 spent):
  • All other spends:
    • Weekdays (Monday-Friday): 2 InterMiles.
    • Weekends (Saturday-Sunday): 3 InterMiles.
  • Spends on flights booked via intermiles.com & hotels booked via interbook.intermiles.com:
    • Weekdays: 4 InterMiles (2x bonus).
    • Weekends: 6 InterMiles (2x bonus).
  • Etihad Airways bookings: 2.5x bonus InterMiles.
  • Shopping on brands like Amazon via intermiles.com: Accelerated InterMiles earnings.
  • No reward points are accrued on fuel transactions.
  • InterMiles earning is capped to 50,000 InterMiles per year, unless an additional uncapping annual fee is paid.

Movies & Dining

• BookMyShow Offer:
  • Buy one movie ticket and get the other one absolutely free.
  • You can avail up to 1 free ticket in a month, with a maximum cap of Rs. 200 per ticket.
  • Offer valid on all theaters registered with BookMyShow across major cities.
  • Special discount of 20% on non-movie bookings up to Rs. 200.

Travel

• Complimentary Priority Pass Membership: For yourself and your add-on cardholder, providing access to over 600 airport lounges around the world.
• Travel Plus Program: Enjoy special waivers on lounge usage charges outside India, with a maximum of 8 lounge usages per year of value $27.
• Travel Insurance Cover (provided by The Oriental Insurance Company Ltd.):
  • Loss of Baggage: Up to Rs. 1 lakh.
  • Delayed baggage: Up to Rs. 25,000.
  • Loss of passport: Up to Rs. 50,000.
  • Lost ticket: Up to Rs. 25,000.
  • Missed connection: Up to Rs. 25,000.

International Lounge Access

• Complimentary Priority Pass Membership for primary and add-on cardholders, offering access to over 600 airport lounges worldwide.
• Travel Plus Program provides waivers on lounge usage charges outside India.

Golf

• 1 complimentary golf game and 1 golf lesson every quarter.
• Privileges available at specified locations including Ahmedabad, Bengaluru, Chennai, Delhi NCR, Hyderabad, Mumbai, and Pune.

Insurance Benefits

• Complimentary Air Accident Insurance Cover: Up to Rs. 25 lakhs.
• Zero Liability Protection Cover: Provided if the loss of the card is reported within a stipulated period of 48 hours.
• Total Protect: A program that covers you for an amount equivalent to the credit limit on your card, also available on add-on cards.
  • Covers unauthorized transactions in case of loss/theft of the card (48 hours prior to reporting the loss).
  • Protects against counterfeit fraud where card details are stolen and used to produce counterfeit plastic.

Lifestyle

• 24x7 Concierge Services:
  • Pre-trip Assistance: Information on travel destination, weather updates, landmarks, transport modes.
  • Hotel Reservation: Arrangements in finest hotels worldwide.
  • Flight Booking: Necessary flight arrangements.
  • Sports and Entertainment Booking: Booking for events like FIFA finals or Wimbledon.
  • Exclusive Booking: Information and reservations for special events, workshops, or talk shows.
  • Flower and Gift: Arrangements for gift delivery worldwide.
• Auto Assist (24x7 emergency service): Available in Mumbai, Delhi, Bangalore, Pune, Chennai and Kolkata.
  • Roadside Repair Service: Arrangement for a mechanic at breakdown location.
  • Emergency Fuel Supply: Delivery of up to 5 liters of fuel.
  • Flat Tyre Services: Arrangement for a mechanic to fix a flat tyre.
  • Lost Keys: Arrangement for a locksmith to make a new key or open the car.
  • Battery Service: Arrangement for repair or replacement of battery on site.
  • Emergency Towing Assistance: Arrangement for towing service to a repair shop.
  • Accident Management and Medical Assistance: Coordination for emergency message transmission, medical assistance, towing of vehicles.

Rewards Redemption Guide

• InterMiles can be redeemed against flight and hotel bookings at www.intermiles.com.
• InterMiles can be redeemed against shopping vouchers (Electronics, Gift Vouchers, Raffle Tickets, Subscriptions & more) at rewardstore.intermiles.com.
• InterMiles can be redeemed for free fuel at select IOCL petrol pumps.

Card Eligibility Criteria

• Age: The applicant’s age should be between 18 years and 65 years.
• Income: The applicant should have a stable source of income (either salaried or self-employed).
• Credit Score: The applicant should have a decent credit score.

Card Review

The IndusInd InterMiles Voyage Visa Credit Card, formerly known as Jet Airways IndusInd Bank Voyage Credit Card, is a co-branded travel card offering a comprehensive suite of travel and lifestyle benefits. It is well-suited for individuals who frequently travel and wish to maximize their rewards through InterMiles, especially on flight and hotel bookings. The card provides significant value through its welcome and renewal benefits, accelerated InterMiles earning on specific categories, and a range of lifestyle perks like movie offers, golf privileges, and 24x7 concierge and auto assist services. The complimentary Priority Pass membership and extensive travel insurance covers further enhance its appeal for globetrotters.

However, it's important to note that the product has been discontinued for new sourcing, and the American Express variant of this card reportedly offers higher InterMiles on certain spends. While it lacks a spend-based waiver for its annual fee, the estimated annual savings from its privileges (such as Priority Pass, movie tickets, and fuel surcharge waiver) can significantly offset the annual cost for active users.

Important Product Details

• Welcome benefits include 2,000 bonus InterMiles, a flight discount voucher worth Rs. 750, and a hotel discount voucher worth Rs. 1,500.
• Annual renewal benefits include 2,500 bonus InterMiles, a flight discount voucher worth Rs. 500, and a hotel discount voucher worth Rs. 1,000.
• Earn 2 InterMiles on every Rs. 100 spent on weekdays and 3 InterMiles on weekends for general spends.
• Earn 2x bonus InterMiles (4 on weekdays, 6 on weekends) on flight and hotel bookings on intermiles.com.
• Earn 2.5x bonus InterMiles on every Rs. 100 spent on Etihad Airways.
• Enjoy a "Buy 1 Get 1 Free" offer on movie ticket bookings with BookMyShow (up to 1 free ticket per month, capped at Rs. 200).
• Receive 1 complimentary golf game and 1 golf lesson every quarter at specified locations.
• Complimentary air accident insurance cover up to Rs. 25 lakhs.
• Zero liability protection cover for lost/stolen cards reported within 48 hours.
• Access to 24x7 Concierge services for various assistance needs.
• 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4,000 across all fuel stations.
• Complimentary Priority Pass Membership for international lounge access.
• Comprehensive travel insurance covering lost/delayed baggage, loss of passport, lost ticket, and missed connection.
• Auto Assist services for roadside emergencies in select cities.
• Total Protect program covering unauthorized transactions and counterfeit fraud up to the credit limit.
• InterMiles earning is capped at 50,000 per year, with an option to uncap by paying an additional fee.
• This product has been discontinued for new sourcing.

Other Details

• How to Apply: Applicants can visit their nearest IndusInd Bank branch with required documents or apply online via the IndusInd Bank’s official website by contacting the customer care number provided.
• Product Status: This product has been discontinued for new sourcing as well as for existing credit cards, and is displayed as a reference for existing IndusInd Bank InterMiles Credit Card holders.
• Weekend Spends: Transactions made on Saturdays and Sundays.
• Weekday Spends: Transactions made on Monday to Friday.
• Estimated Annual Savings: Based on a hypothetical estimate of expenses, the card offers an estimated annual saving of Rs. 17,658, including Rs. 14,058 from Priority Pass Membership, Rs. 2,400 from complimentary movie tickets, and Rs. 1,200 from fuel surcharge savings.
• About InterMiles: InterMiles is an independent loyalty and rewards management company (Jet Privilege Private Limited - JPPL), part of the Etihad Aviation Group, that empowers and rewards members for their travel and lifestyle needs. The transformation of the program does not affect accrued miles.
• Legal Disclaimers: All benefits and features are subject to terms and conditions.