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

IndusInd InterMiles Voyage Visa Credit Card

Introduction

The IndusInd InterMiles Voyage Visa Credit Card is a premium travel card designed to offer a multitude of travel and lifestyle benefits. Cardholders receive an exceptional reward structure in the form of InterMiles on every spend, along with a complimentary InterMiles membership. As a welcome benefit, the card provides 2,000 bonus InterMiles, a flight discount voucher worth Rs. 750, and a hotel discount voucher worth Rs. 1,500. Each year upon renewal, members also receive 2,500 bonus InterMiles, a flight discount voucher worth Rs. 500, and a hotel discount voucher worth Rs. 1,000. Beyond travel, the card extends lifestyle perks like 1+1 movie ticket offers on BookMyShow and comprehensive insurance covers, including travel insurance, air accident cover, and liability protection, complemented by concierge and auto assistance services.

Welcome Benefits

• Complimentary membership to InterMiles, a frequent flyer program.
• On joining:
  • 2,000 bonus InterMiles credited to your InterMiles membership account.
  • Flight discount voucher worth Rs. 750 on booking flights via intermiles.com.
  • Hotel discount voucher worth Rs. 1,500 on booking hotels via interbook.intermiles.com.
• On annual renewal:
  • 2,500 bonus InterMiles credited to your InterMiles membership account.
  • Flight discount voucher worth Rs. 500 on booking flights via intermiles.com.
  • Hotel discount voucher worth Rs. 1,000 on booking hotels via interbook.intermiles.com.

Fees

• Joining Fee: Rs. 2,000 + GST
• Renewal Fee: Rs. 2,000 + GST
• Spend-Based Waiver: Not applicable for annual fee waiver.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% on the conversion amount.
• Interest Rates: 3.83% per month (46% per annum).
• Fuel Surcharge: 1% fuel surcharge waiver on 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 plus applicable GST, if you wish to earn InterMiles beyond the annual cap of 50,000 InterMiles.

Rewards

• InterMiles Accrual:
  • On Spends on flights booked via intermiles.com & hotels booked via interbook.intermiles.com:
    • Weekday transactions (Monday to Friday): 4 InterMiles per INR 100 spent.
    • Weekend transactions (Saturday and Sunday): 6 InterMiles per INR 100 spent.
    • These earnings are equivalent to 2X Bonus InterMiles.
  • On all other spends (excluding fuel transactions):
    • Weekday transactions (Monday to Friday): 2 InterMiles per INR 100 spent.
    • Weekend transactions (Saturday and Sunday): 3 InterMiles per INR 100 spent.
  • On Etihad Airways bookings: 2.5x bonus InterMiles on every Rs. 100 spent.
  • On Shopping: Earn accelerated InterMiles on shopping on brands like Amazon via intermiles.com.
  • Annual Cap: InterMiles earnings are capped to 50,000 InterMiles per year.
• Movies & Entertainment:
  • Buy one movie ticket and get the other one absolutely free on BookMyShow.
  • You can avail up to 1 free ticket in a month, with a maximum cap of Rs. 200 per ticket.
  • Offer valid on all theatres registered with BookMyShow across major cities.
  • Special discount of 20% on non-movie bookings, up to Rs. 200.
• Travel Benefits & Lounges:
  • Priority Pass Program: Complimentary Priority Pass membership for yourself and your add-on cardholder, providing access to over 600 airport lounges around the world.
    • Estimated annual benefit from Priority Pass: USD 198 (approx. Rs 9900).
  • Travel Plus Program:
    • Enjoy special waivers on lounge usage charges outside India, for a maximum of 8 lounge usages per year (valued at $27 per usage).
    • The Travel Plus program includes travel insurance.
    • Annual savings from Travel Plus: Approx. Rs 12,960.
  • Lounge Access (Specific):
    • Domestic Lounge Access: Not Available.
    • International Lounge Access: Not available beyond the Priority Pass benefits (which allows access to over 600 international lounges with 8 waived usage charges per year through Travel Plus).
• Golf:
  • 1 complimentary golf game and 1 golf lesson every quarter.
  • Privileges are available at specified locations including Ahmedabad, Bengaluru, Chennai, Delhi NCR, Hyderabad, Mumbai, and Pune.
• Insurance Benefits:
  • Travel Insurance Cover (provided by The Oriental Insurance Company Ltd.):
    • Lost baggage: Up to Rs 100,000
    • 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
  • Total Protect (Zero Liability Protection):
    • Covers fraudulent use of your card for an amount equivalent to the credit limit.
    • Available on add-on cards.
    • Covers unauthorized transactions in case of loss/theft of the card for 48 hours prior to reporting the loss to IndusInd Bank.
    • Protects against counterfeit fraud (where card details are stolen and used to produce counterfeit plastic).
  • Air Accident Cover: Complimentary personal air accident insurance cover of up to Rs 25 lakh.
• Concierge Services: Exclusive 24-hour complimentary concierge service.
  • Pre-trip Assistance: Information about travel destination, weather updates, landmarks, transport.
  • Hotel Reservation: Arrangements in fine hotels worldwide.
  • Flight Booking: Necessary flight arrangements.
  • Sports and Entertainment Booking: Ensures you don't miss favorite events.
  • Exclusive Booking: Information and reservations for special events, workshops, or talk shows.
  • Flower and Gift: Arrange gift deliveries worldwide.
• Auto Assist (24x7 emergency service):
  • Roadside Repair Service: Arrange a mechanic for mechanical/electrical faults.
  • Emergency Fuel Supply: Deliver up to 5 litres of fuel if stranded.
  • Flat Tyre Services: Arrange a mechanic for flat tyre repair.
  • Lost Keys: Arrange a locksmith to make new keys or open the car.
  • Battery Service: Arrange service provider to repair or replace the battery on site.
  • Emergency Towing Assistance: Arrange towing service to a repair shop.
  • Accident Management and Medical Assistance: Coordinate emergency message transmission, medical assistance, towing.
  • Auto Assist services are available in Mumbai, Delhi, Bangalore, Pune, Chennai, and Kolkata.

Rewards Redemption Guide

You can redeem your accumulated InterMiles for various options:

• Flights and Hotels: Redeem InterMiles for bookings on intermiles.com.
• Free Fuel: Redeem InterMiles for free fuel at select IOCL petrol pumps.
• Reward Store: Redeem InterMiles across Electronics, Gift Vouchers, Raffle Tickets, Subscriptions & more on the Reward Store at rewardstore.intermiles.com.
• To know more, log in to your InterMiles account on intermiles.com.

Card Eligibility Criteria

• Eligibility Rules:
  • Applicant's age should be between 18 years and 65 years.
  • Applicants should have a stable source of income (salaried or self-employed).
  • Applicants should have a decent credit score.
• Documents Required:
  • Proof of Income: Latest salary slips/bank statements, or latest audited Income Tax Return (ITR).
  • Identity Proof: PAN Card, Aadhar Card, Voter’s ID, Passport, Driving License.
  • Address Proof: Latest utility bills, Passport, Aadhar Card, Ration Card.

Card Review

The IndusInd InterMiles Voyage Visa Credit Card is a co-branded travel card offering significant travel benefits and privileges. It provides a strong reward structure with accelerated InterMiles on specific travel and shopping categories, particularly for flight and hotel bookings via intermiles.com, and an enhanced earning rate on Etihad Airways. While the Visa variant offers 4 InterMiles per Rs. 100 on flight/hotel bookings and 2 InterMiles on weekdays for other spends, it might be slightly less rewarding compared to the American Express variant (which offers 8 and 4 InterMiles respectively). However, its welcome and renewal benefits, including bonus InterMiles and discount vouchers for flights and hotels, add substantial value. The card is ideal for frequent travelers due to complimentary Priority Pass membership, comprehensive travel insurance, and dedicated concierge and auto assist services. Beyond travel, the 1+1 movie ticket offer on BookMyShow and golf benefits cater to lifestyle needs. The key drawbacks include the explicit mention of no spend-based waiver for the annual fee, relatively high interest rates and foreign currency markup, and the discontinuation of new card sourcing, making it primarily a reference for existing cardholders.

Who should apply: This card is best suited for individuals who travel frequently, especially those who can leverage the InterMiles ecosystem for flights and hotels, and those who value comprehensive travel-related perks such as lounge access, travel insurance, and dedicated assistance services.

Important Product Details

• Positive Highlights:
  • Generous welcome benefit of 2,000 bonus InterMiles, Rs. 750 flight voucher, and Rs. 1,500 hotel voucher.
  • Recurring annual renewal benefits: 2,500 bonus InterMiles, Rs. 500 flight voucher, and Rs. 1,000 hotel voucher.
  • Accelerated InterMiles earnings on flight/hotel bookings via intermiles.com (up to 6 InterMiles per Rs. 100 on weekends).
  • Higher InterMiles earnings on Etihad Airways bookings (2.5x).
  • 1+1 free movie ticket offer on BookMyShow (up to 1 free ticket per month, max Rs. 200).
  • Complimentary Priority Pass membership for international lounge access (with 8 waived usage charges per year via Travel Plus).
  • Comprehensive travel insurance cover for lost/delayed baggage, lost passport/ticket, and missed connections.
  • Complimentary personal air accident insurance cover up to Rs. 25 lakh.
  • Total Protect program covering fraudulent transactions and counterfeit fraud.
  • 24-hour exclusive concierge services.
  • 24x7 Auto Assist emergency services in major Indian cities.
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000.
  • Complimentary golf games and lessons every quarter.
  • No rewards redemption fee.
  • Estimated total annual savings of Rs. 17,658 (based on hypothetical expenses).
• Negative Highlights:
  • Joining Fee: Rs. 2,000 + GST.
  • Renewal Fee: Rs. 2,000 + GST.
  • No spend-based waiver for the annual fee.
  • Foreign currency markup of 3.5%.
  • High interest rates (3.83% per month / 46% per annum).
  • InterMiles earning capped at 50,000 per year, with an additional fee (INR 7,500 + GST) to uncap.
  • No domestic lounge access.
  • Product has been discontinued for new sourcing and is only displayed as a reference for existing cardholders.

Other Details

• This product has been discontinued for new sourcing as well as for existing credit cards, and is displayed only as a reference for existing IndusInd Bank InterMiles Credit Card holders.
• For assistance or queries, existing cardholders can contact priority.care@indusind.com or call 1860 267 7777.
• About InterMiles: Jet Privilege Private Limited (JPPL), part of the Etihad Aviation Group, is an independent loyalty and rewards Management Company that created InterMiles. The program empowers and rewards members for their travel and lifestyle needs. The transformation of JPPL does not affect the Miles accrued or the Miles balance in the account; only the name of the miles has changed, not the way they are earned or used.
• Rewards program was revised for select merchant categories from 1st August 2019.
• Transaction date is defined as the date on which the card is swiped for any particular transaction.
• No reward points accrue on fuel transactions.