IndusInd Bank Avios Visa Infinite Credit Card

Name: IndusInd Bank Avios Visa Infinite Credit Card
Brand: IndusInd Bank
Price: 10000 INR
Availability: InStock
Rating: 4 (1 reviews)

Overview

The IndusInd Bank Avios Visa Infinite Credit Card gives you a choice between Qatar Airways Privilege Club and British Airways Executive Club as your loyalty programme partner. New cardholders receive 20,000 bonus Avios after paying the ₹10,000 joining fee, and 5,000 bonus Avios on each annual renewal. The card also lets you pick a preferred international destination from five global regions to maximize earning rates and reduce foreign currency markup.Avios earning runs at 3 per ₹200 for domestic and general international spending. Point-of-sale transactions at your preferred international destination earn 6 Avios per ₹200, while bookings on Qatar Airways or British Airways websites and apps earn 5 Avios per ₹200. Utilities, government services, education, and insurance categories earn 1 Avios per ₹200. Fuel transactions earn nothing. Avios are credited to your account 10 days after statement generation.Milestone bonuses add 18,000 Avios after every ₹8 lakh spent in a year, up to 36,000 bonus Avios annually. The card carries a complimentary Priority Pass membership with 2 free international lounge visits per quarter and 2 domestic lounge visits per quarter. Two meet-and-greet services per year at international airports cover check-in assistance, immigration, and baggage handling.Additional travel benefits include international health insurance up to USD 25,000, coverage for lost baggage, delayed baggage, lost passport, and missed flight connections, plus 10% off Qatar Airways flights if you select that programme. The foreign currency markup drops to 1.5% at your preferred destination versus 3.5% elsewhere. The ₹5,000 annual fee has no spend-based waiver, and applications have been paused since January 2026 due to overwhelming demand.

Pros

↑20,000 welcome bonus Avios plus milestone bonuses of up to 36,000 Avios per year on ₹16 lakh annual spend
↑Priority Pass with 2 complimentary international lounge visits per quarter, plus 2 domestic lounge visits per quarter
↑Reduced 1.5% foreign currency markup at preferred international destination versus the standard 3.5% at other locations
↑Complimentary meet-and-greet at international airports, international health insurance up to USD 25,000, and travel insurance covering lost baggage and missed connections
↑No rent payment processing fee, no dynamic currency conversion fee, and no cash advance fee, unlike most premium cards in this segment

Cons

↓₹10,000 joining fee plus ₹5,000 annual fee with no spend-based waiver, making this one of the pricier cards to hold long-term
↓Fuel transactions earn zero Avios, limiting the card's value for heavy fuel spenders who rely on card rewards at petrol stations
↓Applications paused since January 2026 due to overwhelming response, so new applicants cannot currently get this card
↓Avios earning capped at your assigned credit limit per statement cycle, which restricts rewards for cardholders who spend heavily in a single billing period

Key Highlights

Welcome Offer
20,000 bonus Avios on joining
20,000 bonus Avios credited after receipt of joining fee
Applies to both Qatar Airways and British Airways programme
Credited within 15 days of fee receipt
Joining fee of ₹10,000 + GST required

Reward Rate
to 6 Avios per ₹200 spent
Avios per ₹200 at preferred destination POS
Avios per ₹200 on Qatar/British Airways bookings
Avios per ₹200 on domestic and other international
Avios per ₹200 on utilities, govt, education, insurance
Fuel transactions earn no Avios

Minimum Salary
Age 21-65 years, ₹18 lakh+ income
Salaried: age 21-60 years
Self-employed: age 21-65 years
Minimum annual income ₹18 lakh
Credit score 750+ generally required
Subject to bank's credit assessment

Joining Fee
₹10,000 + GST joining fee
Joining fee: ₹10,000 + GST
20,000 bonus Avios credited on fee receipt
One-time fee at card issuance
No joining fee waiver available

Annual Fee
₹5,000 + GST (no fee waiver)
Annual fee: ₹5,000 + GST
No spend-based annual fee waiver
5,000 bonus Avios credited on renewal fee receipt
GST at prevailing rates applies

Why Choose?
Up to 36,000 milestone Avios per year
18,000 Avios after first ₹8 lakh spend in a year
18,000 Avios after second ₹8 lakh spend
Maximum 36,000 milestone Avios per year
Credited 10 days post statement generation

Key Benefits

Fuel

★3.0

▼

1% fuel surcharge waiver at all fuel stations across India
Subject to minimum surcharge of ₹10
GST on fuel surcharge borne by the cardholder
Fuel transactions do not earn any Avios
1% + GST fee applies on cumulative fuel transactions exceeding ₹50,000 per statement cycle

Lifestyle

★3.0

▼

Elderly care concierge services for family members in India while you travel
Pre-trip planning assistance through dedicated concierge
Flowers and gift delivery assistance worldwide
Hotel referral and reservation through concierge
Dining referral and reservation at exclusive locations
No rent payment processing fee (waived for this card)
No education payment fee under ₹45,000 per statement cycle

Milestone

★4.0

▼

18,000 bonus Avios after first ₹8 lakh spend in a card anniversary year
18,000 bonus Avios after second ₹8 lakh spend (₹16 lakh total)
Maximum 36,000 milestone bonus Avios per year
Milestone Avios credited 10 days post statement generation after target is met
Milestone spend tracked independently from regular Avios earning

Premium

★4.5

▼

Ultra-premium metal card with Visa Infinite network benefits
Co-branded with Qatar Airways and Avios Group (AGL) Limited
Dedicated concierge for hotel referrals, dining reservations, and pre-trip assistance
Access to international events: concerts, tennis tournaments, cricket, and more
Elderly care assist for family members while you travel
Total Protect fraud insurance covering card limit
1.5% foreign currency markup at preferred destination (vs 3.5% standard)
No dynamic currency conversion fee on overseas merchant transactions

Reward Points

★4.0

▼

3 Avios per ₹200 on domestic and general international spending
6 Avios per ₹200 at preferred international destination POS
5 Avios per ₹200 on Qatar Airways and British Airways bookings
3 Avios per ₹200 online at preferred destination
1 Avios per ₹200 on utilities, government, education, insurance
20,000 welcome bonus Avios on joining
5,000 renewal bonus Avios on each annual renewal
Redeem for flights, hotel stays, car rentals, and upgrades

Travel

★4.5

▼

Priority Pass membership with 2 complimentary international lounge visits per quarter
2 complimentary domestic lounge visits per quarter using the card
2 meet-and-greet services per year at select international airports
10% off Qatar Airways flights booked on qatarairways.com with promo code
International travel health insurance up to USD 25,000
Travel insurance: lost baggage ₹1 lakh, delayed baggage ₹25,000, loss of passport ₹50,000, missed connection ₹25,000
25% off Visa airport fast track immigration at 450+ destinations
20% off Visa airport limo transfer in key cities globally

Detailed Information

Joining Fee	₹10,000 + GST
Annual Fee	₹5,000 + GST
Annual Fee Waiver	No annual fee waiver available
Monthly Percentage Rate	3.00%
Annual Percentage Rate	36.00%
Minimum Monthly Payment	2% of outstanding balance plus applicable EMI, fees, charges, and finance charges
Foreign Currency Markup	1.5% at preferred international destination POS, 3.5% elsewhere
Late Payment Charges	₹0 to ₹1,300 based on outstanding balance
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	Waived for Avios Visa Infinite cardholders
Balance Transfer Fee	Not available
Fee For Supplementary Card	No fee
Card Replacement Fee	₹100
Fee For Duplicate Statement	₹100 per statement (beyond last 3 months)
Fee For Cheque Bounce	₹250

Age Requirement Salaried	21-60 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹18 lakh per annum
Minimum Annual Income Self Employed	₹18 lakh per annum
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID Government-issued photo ID
Address Proof	Aadhaar Card Passport Driving License Voter ID Recent utility bill
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR with computation of income Latest 6 months bank statement Business continuity proof Certified financials

Frequently Asked Questions

The joining fee is ₹10,000 plus GST. After paying the joining fee, you receive 20,000 bonus Avios credited to your chosen airline loyalty programme within 15 days.

The annual fee is ₹5,000 plus GST. There is no spend-based annual fee waiver available for this card. A renewal benefit of 5,000 bonus Avios is credited after receipt of the renewal fee.

You earn 3 Avios per ₹200 on domestic and general international spending. Point-of-sale transactions at your preferred international destination earn 6 Avios per ₹200, and bookings on Qatar Airways or British Airways websites earn 5 Avios per ₹200. Utilities, government services, education, and insurance earn 1 Avios per ₹200. Fuel transactions do not earn any Avios.

You earn 18,000 bonus Avios after spending ₹8 lakh in a card anniversary year. A second milestone of 18,000 bonus Avios triggers after another ₹8 lakh (₹16 lakh total). The maximum milestone bonus is 36,000 Avios per year, credited 10 days after statement generation once the milestone is reached.

New cardholders receive 20,000 bonus Avios after the joining fee is received by the bank. The bonus Avios are credited to your chosen airline loyalty programme account within 15 days of fee receipt. This applies whether you select Qatar Airways Privilege Club or British Airways Executive Club.

Yes. At the time of application, you select either Qatar Airways Privilege Club or British Airways Executive Club as your preferred airline loyalty programme. All Avios earned through card spending and milestone bonuses are credited to the selected programme. Avios can be redeemed for flights, hotel stays, car rentals, and upgrades through your chosen programme.

You choose one of five international destination regions when applying: Americas, Europe and North Asia, Middle East and South Asia, Africa, or Australia and Far East. Point-of-sale transactions at your preferred destination earn 6 Avios per ₹200, and the foreign currency markup drops to 1.5% for POS transactions there. Online transactions at your preferred destination earn 3 Avios per ₹200. You can request a change after one anniversary year.

The card includes a complimentary Priority Pass membership. You receive 2 free international lounge visits per calendar quarter. After using the complimentary visits, each additional visit costs up to USD 35 per person. Guest visits are charged at up to USD 35 per person per visit. Domestic Priority Pass lounge visits are not included in the free quota. Contact IndusInd Bank to request your Priority Pass card.

You receive 2 complimentary domestic lounge visits per calendar quarter using your IndusInd Bank Avios Visa Infinite Credit Card directly at participating lounges. These are separate from your Priority Pass international visits and can be used at airport lounges across India.

The card provides 2 complimentary meet-and-greet services per year at select international airports. The service includes a dedicated assistant who helps with check-in, security and immigration processing, baggage reclaim, and porter service for up to 3 bags. The primary cardholder or a travel companion can use this benefit, though the primary cardholder must be present during travel.

The card provides international travel health insurance up to USD 25,000 covering hospitalization from accidental injury or illness during international trips. Additional coverage includes lost baggage up to ₹1 lakh, delayed baggage up to ₹25,000, loss of passport up to ₹50,000, lost ticket up to ₹25,000, and missed flight connection up to ₹25,000. Travel tickets must be booked using this card for coverage to apply.

The foreign currency markup is 1.5% for point-of-sale transactions at your preferred international destination and 3.5% for all other international transactions. The 1% dynamic currency conversion fee charged on Indian currency transactions at overseas merchants is also waived for this card.

No. Fuel transactions do not earn any Avios. The card does provide a 1% fuel surcharge waiver at fuel stations across India, subject to a minimum surcharge of ₹10. GST on the fuel surcharge is borne by the cardholder. A 1% + GST fee applies on cumulative fuel transactions exceeding ₹50,000 in a statement cycle.

Yes. The standard cash advance fee of 2.5% (minimum ₹300) is waived for Avios Visa Infinite cardholders. However, interest at 3.00% per month (36% per annum) applies from the date of the cash withdrawal until full repayment.

The monthly interest rate is 3.00%, which translates to an annual percentage rate of 36.00%. Interest is charged daily on the outstanding balance if the total amount due is not paid by the payment due date. This rate is lower than the 3.83% to 3.95% charged on most other IndusInd Bank credit cards.

Late payment charges depend on your outstanding balance: nil up to ₹100, ₹100 for ₹101 to ₹500, ₹350 for ₹501 to ₹1,000, ₹550 for ₹1,001 to ₹10,000, ₹800 for ₹10,001 to ₹25,000, ₹1,100 for ₹25,001 to ₹50,000, and ₹1,300 above ₹50,000.

Yes. You can get an add-on card for a family member at no additional fee. The add-on card shares the credit limit of the primary card, and spending on both cards counts toward milestone benefits.

The primary cardholder must be aged 21 to 65 years with a minimum annual income of ₹18 lakh. Both salaried and self-employed individuals can apply. Salaried applicants should be aged 21 to 60, and self-employed applicants 21 to 65. A credit score of 750 or above is generally required. All applications are subject to IndusInd Bank's credit and policy assessment.

Applications for the IndusInd Bank Avios Visa Infinite Credit Card have been paused since January 6, 2026, due to overwhelming response on the additional miles acquisition offer. IndusInd Bank has not announced a resumption date as of the research period.

Avios earned through this card can be redeemed through your chosen airline loyalty programme. Qatar Airways Privilege Club members can redeem via the Qatar Airways website or mobile app. British Airways Executive Club members can redeem via the British Airways website or app. Redemptions cover flight tickets, hotel stays, car rentals, seat upgrades, and more, subject to the programme's terms.

On each annual renewal, you receive 5,000 bonus Avios credited to your chosen airline loyalty programme. The bonus is credited within 15 days of the bank receiving the ₹5,000 plus GST renewal fee. This applies regardless of whether you chose Qatar Airways Privilege Club or British Airways Executive Club.

The minimum amount due is 2% of your retail spend and cash advance balance, plus 100% of any EMI installments, GST, fees, charges, finance charges, and overlimit amount. Paying only the minimum results in interest being charged on the remaining balance at 3.00% per month from the transaction date.

Overview

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Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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