In-depth review
IndusInd Bank Avios Visa Infinite Credit Card
One of India's most unusual cards — it earns British Airways/Qatar Avios directly from rupee spend, one of the world's most valuable airline currencies. For a BA/Qatar flyer who'll actively hunt award seats, it's uniquely useful; for everyone else it's the wrong tool. The 20,000-Avios welcome bonus is live, but the doubled 40,000-Avios promo lapsed on 31 Jan 2026, Qatar Privilege Club Gold has been discontinued, the forex markup is really 3.5% outside one nominated destination, and scarce ex-India award availability is the perennial risk.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹20,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
3% on International
6 Avios per ₹200 on point-of-sale spend at your one nominated preferred destination region (changeable once a year). Online spend there and all other international spend earns 3. IndusInd's 1.5% forex mark-up applies only to that POS spend; everything else carries the 3.5% mark-up.
2.5 miles/₹100 on Travel (~2.5% value)
5 Avios per ₹200 on spend at British Airways' and Qatar Airways' own websites and apps (~2.5%), primary cardholder only. Qatar credits 2 of the 5 straight into your Privilege Club account.
Airport Lounge Access
Complimentary Priority Pass with 2 international and 2 domestic airport lounge visits each calendar quarter. IndusInd's 1-Apr-2026 domestic-lounge spend criteria do not name this card, so these visits are not spend-gated.
24x7 Concierge
2 complimentary airport meet-and-greet services a year for the primary cardholder and a companion
Milestone Bonus
~₹18,000 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
Priority Pass
International lounges
₹12,000
Estimated annual value
3.5%
Forex markup
2.5%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic + international airport lounge access (8 domestic visits/yr, worth ~₹12,000)
- Miles on: British Airways, Qatar Airways
- 2.5% effective return on travel bookings
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹5,000
Milestone bonus value
- 24x7 lifestyle and travel concierge
- 5,000 bonus Avios on every annual renewal, credited 15 days after the renewal fee is received. There is no spend condition — it recurs each year for as long as you keep the card.
For frequent British Airways/Qatar flyers who will actively chase premium-cabin award seats. Not for casual collectors — Avios are only as good as the ex-India award space you can find.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | airline miles | 3%3 pts/₹100 × ₹1.00 | — |
| Travelonly at British Airways, Qatar Airways | airline miles | 2.5%2.5 pts/₹100 × ₹1.00 | — |
| Other | airline miles | 1.5%1.5 pts/₹100 × ₹1.00 | — |
| Government & Tax | airline miles | 0.5%0.5 pts/₹100 × ₹1.00 | — |
| Education | airline miles | 0.5%0.5 pts/₹100 × ₹1.00 | — |
| Insurance | airline miles | 0.5%0.5 pts/₹100 × ₹1.00 | — |
| Utility Bills | airline miles | 0.5%0.5 pts/₹100 × ₹1.00 | — |
International: 6 Avios per ₹200 on point-of-sale spend at your one nominated preferred destination region (changeable once a year). Online spend there and all other international spend earns 3. IndusInd's 1.5% forex mark-up applies only to that POS spend; everything else carries the 3.5% mark-up.
Travel: 5 Avios per ₹200 on spend at British Airways' and Qatar Airways' own websites and apps (~2.5%), primary cardholder only. Qatar credits 2 of the 5 straight into your Privilege Club account. · British Airways, Qatar Airways
Other: 3 Avios per ₹200 on base spend — domestic, and international outside your nominated preferred destination (~1.5%)
Government & Tax: 1 Avios per ₹200 on government services (~0.5%)
Education: 1 Avios per ₹200 at educational institutions (~0.5%)
Insurance: 1 Avios per ₹200 on insurance premium payments (~0.5%)
Utility Bills: 1 Avios per ₹200 on utility bill payments (~0.5%). Government, education and insurance spends earn the same reduced rate and are scored on their own rows.
Earns nothing on: Fuel
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹5,900 |
| Joining fee (incl. 18% GST) | ₹11,800 |
| Finance charge (APR) | 3% p.m. |
| Forex markup | 3.5% |
| Reward redemption fee | ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹53,750/yr in total.
2 complimentary airport meet-and-greet services a year for the primary cardholder and a companion
Complimentary Priority Pass with 2 international and 2 domestic airport lounge visits each calendar quarter. IndusInd's 1-Apr-2026 domestic-lounge spend criteria do not name this card, so these visits are not spend-gated.
18,000 bonus Avios on your first ₹8,00,000 of spend in a year, credited 10 days after the statement in which the milestone is met.
A further 18,000 bonus Avios on the second ₹8,00,000 in a year (₹16,00,000 cumulative) — 36,000 bonus Avios a year is the published maximum.
5,000 bonus Avios on every annual renewal, credited 15 days after the renewal fee is received. There is no spend condition — it recurs each year for as long as you keep the card.
1% fuel surcharge waiver on transactions of ₹500–₹10,000, and IndusInd applies no ceiling (w.e.f 5 May 2024). The fuel spend itself earns no Avios.
Milestone ladder
- ₹8,00,000 a year₹18,000 of value
- ₹16,00,000 a year₹18,000 of value
Should you get it?
- Best for: Frequent international flyers who collect British Airways Avios, Travellers redeeming Avios for business-class and short-haul awards
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on International (3% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Earns British Airways Avios directly on Indian rupee spends
- Up to 6 Avios per ₹200 on card-present spend in your nominated preferred international destination
- 20,000-Avios welcome bonus, up to 36,000 milestone Avios a year, and 5,000 more on every renewal
- Priority Pass lounge access (2 domestic + 2 international a quarter, with no spend gate) and airport meet-and-greet
- Avios transfer to British Airways and Iberia for premium-cabin value
✕ Cons
- Avios value depends on redeeming for flights, not statement credit
- ₹10,000 joining plus ₹5,000 annual fee needs frequent flying to justify, and there is no fee waiver
- The forex mark-up is 3.5%, not 1.5% — the discounted rate applies only to card-present spend at the one international region you nominate, so online spend even there is charged the full rate
- Fuel transactions earn no Avios at all — IndusInd stopped accruing on fuel across the portfolio on 1 April 2018
- Best value only for British Airways / oneworld flyers
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Transfer Avios to British Airways Executive Club and Iberia Plus
- 🎁Redeem Avios for reward flights, upgrades and partner bookings
- 🎁IndusInd charges ₹149 + GST for a cash redemption and ₹100 + GST for every other redemption category — on this card the ₹100 line is the one that applies
What your Avios (British Airways Executive Club / Qatar Privilege Club) are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
₹1 per Avios, matching BA_EXECUTIVE_CLUB and QATAR_PRIVILEGE_CLUB. The holder nominates the programme at application; Avios cannot be taken as statement credit
Avios value depends on BA/partner award availability ex-India, which is scarce — casual collectors may sit on points they cannot spend well. The 1.5% forex rate is also narrower than it looks, applying only to card-present spend at one nominated destination.
Frequently asked questions
How many Avios does the card earn?
What forex markup does the Avios card charge?
What is the welcome bonus?
What is the fee?
Where do the Avios go?
What is the milestone bonus spend ladder?
How has the IndusInd Bank Avios Visa Infinite Credit Card changed over time?
Has the IndusInd Bank Avios Visa Infinite Credit Card been devalued recently?
When did the IndusInd Bank Avios Visa Infinite Credit Card's fees last change?
How did the IndusInd Bank Avios Visa Infinite Credit Card change in 2025?
The bottom line
The Avios card is a specialist instrument: Indian spend converting to one of the world's most valuable airline currencies. For BA/Qatar flyers targeting premium-cabin redemptions it is uniquely useful; for everyone else it is the wrong tool — and the 3.5% headline forex mark-up, plus the loss of Qatar Privilege Club Gold in the 2025 revamp, trimmed the case.
How this page was built
Counted from this card’s own record: 7 earn rules, 1 paid only at named merchants, the spends listed as earning nothing and 6 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the IndusInd Bank Avios Visa Infinite Credit Card are taken from IndusInd Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IndusInd Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
IndusInd Bank Avios Visa Infinite Credit Card
One of India's most unusual cards — it earns British Airways/Qatar Avios directly from rupee spend, one of the world's most valuable airline currencies. For a BA/Qatar flyer who'll actively hunt award seats, it's uniquely useful; for everyone else it's the wrong tool. The 20,000-Avios welcome bonus is live, but the doubled 40,000-Avios promo lapsed on 31 Jan 2026, Qatar Privilege Club Gold has been discontinued, the forex markup is really 3.5% outside one nominated destination, and scarce ex-India award availability is the perennial risk.
British Airways & Qatar Avios in India 2026: One Currency, Six Airlines, and How to Feed It From an Indian Card
Avios is a single points currency shared across British Airways, Qatar Privilege Club, Iberia Plus, Finnair Plus and Aer Lingus — so Avios collected on an Indian card can be spent on any of them. This guide maps every India feeder route (HDFC Infinia/Diners Black at 2:1, Regalia Gold at ~3:1, Amex MR at 2:1, HSBC TravelOne at 1:1, SBI Card MILES at 1:1, and the IndusInd Avios card that earns Avios directly), why Finnair is the smarter first hop, the €10 person-to-person backdoor, Balance Boost, what an Avios is really worth for an Indian flyer, the taxes to watch, and how household pooling actually works.
IndusInd Bank Tiger Credit Card
An underrated pick — one of the more interesting lifetime-free travel cards in India: domestic and international lounge access, a low 1.5% forex markup, golf and a fuel-surcharge waiver, all for a fee of exactly zero. The rewards are the weak part and are widely misdescribed: they climb through an incremental annual-spend ladder that starts at 1 point per ₹100, so 0.40% on the first ₹1 lakh and 2.40% only on spend beyond ₹5 lakh.
IndusInd Bank Pinnacle Credit Card
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IndusInd Bank Legend Credit Card
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IndusInd Bank Indus Solitaire Credit Card
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KrisFlyer SBI Card Apex
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Air India SBI Signature Card
DISCONTINUED for new applicants (SBI closed its Air India co-branded cards from 10 Oct 2024, post-Vistara merger; existing holders keep benefits). For reference: a focused co-brand for people who actually fly Air India: 10 Reward Points per ₹100 on Air India tickets, points that convert 1:1 to Maharaja Points, and a 20,000-point welcome. The ₹4,999 fee and modest 4-point base rate mean it only pays off if Air India is your regular airline.
IndusInd Bank Pioneer Legacy Credit Card
A Pioneer-relationship premium card — invite-only, not an open application. ₹50,000 joining (₹5,000 for existing Legacy customers) and no annual fee. It earns 1 point per ₹100 on weekdays and 2 on weekends, and Pioneer points redeem at a genuine 1 point = ₹1 or convert to KrisFlyer Miles. Lounge and golf perks are useful but quota-capped — a keep-if-offered card that sits below the Heritage and Private.
IndusInd Bank Pioneer Heritage Credit Card
The flagship of IndusInd's Pioneer banking programme — an invite-only, relationship-gated super-premium card, not one you apply for online. It earns 1 point per ₹100 domestic and 2.5 per ₹100 international, and those points redeem at a genuine 1 point = ₹1, so the reward is worth its face value. Zero forex markup, unlimited domestic and international lounges, complimentary golf and a concierge justify the fee for the right high-spending traveller.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2023 · last change Jan 2026
2026
- ◆ WelcomeScheduled Jan 2026· reversed
Limited 40,000-Avios welcome promo (pulled early)
Standing 20,000 Avios→40,000 Avios for Jan 2026 approvals, then reverted to 20,000
A limited promo doubled the welcome to 40,000 Avios (20,000 standard + 20,000 bonus on ₹5,000 spend within 30 days) for cards approved 1–31 Jan 2026, but IndusInd paused it early (~8 Jan) citing technical issues. The standing welcome reverted to 20,000 Avios plus 5,000 Avios on renewal-fee payment.
Verification: CardAdvisor Research · Confidence: High
2025
- ▼ BenefitEffective 21 Dec 2025
Complimentary air-accident insurance withdrawn
Complimentary air-accident cover provided with the card→No air-accident cover
On 21 December 2025 IndusInd discontinued the complimentary air-accident insurance feature across its credit cards, stating simply that the coverage "stands discontinued". The bank published no replacement and named no exempt card. Note that several IndusInd product pages still described the cover months afterwards — the Avios, Duo, Pioneer Private and Platinum pages all still advertised it in August 2026 — so a reader may encounter the old wording on IndusInd's own site; the dated withdrawal notice is the operative statement. Other insurance benefits are unaffected: lost-card liability, Total Protect fraud cover, travel insurance and purchase protection continue where the card carried them.
Verification: IndusInd Bank ↗ · Confidence: High
- ▲ RewardEffective Apr 2025
Base earn tripled to 3 Avios per ₹200
1 Avios per ₹200→3 Avios per ₹200 (6 on preferred destination POS, 5 on BA/Qatar)
The same April 2025 revaluation lifted base earning from a token 1 Avios per ₹200 to 3 per ₹200 on general spend, with 6 per ₹200 at a chosen preferred international destination (POS) and 5 per ₹200 on British Airways / Qatar direct spend. A 5,000-Avios renewal bonus was also added.
Verification: IndusInd Bank ↗ · Confidence: High
- ▲ FeeEffective Apr 2025
Joining fee slashed to ₹10,000
₹40,000 joining + ₹10,000 annual→₹10,000 joining + ₹5,000 annual
IndusInd cut the joining fee from ₹40,000 to ₹10,000 and the annual renewal fee from ₹10,000 to ₹5,000 (both plus taxes), part of an April 2025 revaluation that made the card viable for a far broader audience.
Verification: IndusInd Bank ↗ · Confidence: High
- ▼ MilestoneEffective Apr 2025
Milestone cap trimmed to 36,000 Avios/year
25,000 x2 at ₹8L each = up to 50,000/yr→18,000 x2 (₹8L annual + ₹16L cumulative) = up to 36,000/yr
Alongside the cheaper fee and better earn, the milestone ladder was reshaped downward — from two 25,000-Avios rungs (up to 50,000/yr) at launch to two 18,000-Avios rungs (up to 36,000/yr). The exact date sits within the April 2025 revamp; framed to that window.
Verification: IndusInd Bank ↗ · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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