IndusInd Bank Avios Visa Infinite Credit Card
- Updated On: 19 May, 2026
When it comes to private sector financial institutions in the country, one of the first names that pops up in our minds is IndusInd Bank. The bank offers various banking services and has an admirable range of credit cards. The bank has done something unique to offer a reimagined travel experience to its cardholders, as it offers a multi-co-branded travel credit card for customers.
Those who frequently travel to foreign countries must have heard about both Qatar Airways and British Airways. Both these airlines operate some of the best-in-class flights, and their loyalty programs, the Qatar Airways Privilege Club and the British Airways Executive Club, have members throughout the world. With the Avios credit card, you earn Avios, which are the reward points of both airlines’ loyalty programs. It can also be used for exclusive perks and benefits on your travels, especially international flights. The Avios credit card is available in the Visa Infinite variant. When you apply for it, you can choose any one of the two airline loyalty programs and your preferred destination to earn maximum Avios points and other benefits and privileges.
IndusInd Bank Avios Visa Infinite Credit Card
( 4.6 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
6X Avios/₹200 at Preferred Destinations (POS Only), 5X Avios/₹200 for Spends on Qatar/British Airways Website, 3X Avios/₹200 for Online Spends at Preferred Destinations and 1X Avios/₹200 for Spends on Utilities, Insurance and Government Services
Welcome Benefits
20,000 Bonus Avios
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
6X Avios/₹200 at Preferred Destinations (POS Only), 5X Avios/₹200 for Spends on Qatar/British Airways Website, 3X Avios/₹200 for Online Spends at Preferred Destinations and 1X Avios/₹200 for Spends on Utilities, Insurance and Government Services
Reward Redemption
Avios earned can be redeemed against a host of different options at the Qatar Airways or British Airways website
Travel
Airport meet and greet, complimentary domestic and international lounge access, 10% discount on Qatar Airways flights from India
Domestic Lounge Access
2 domestic lounge access per quarter
International Lounge Access
2 international lounge access per quarter with Priority Pass
Golf
N/A
Insurance Benefits
Travel Insurance, Air Accident Cover, and International Travel Health Insurance
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Foreign Currency Markup
1.5% at Preferred International Destinations and 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
Product Details
- Bonus 20,000 Avios as a welcome benefit.
- 2x Avios per Rs. 200 spent on Qatar or British Airways website and 1x Avios on other domestic and international spends.
- 5x Avios per Rs. 200 spent at preferred international destinations.
- Low forex markup fee of 1.5% at preferred international destinations.
- Up to 36,000 Avios as a milestone benefit on reaching the target spend.
- Bonus 5000 Avios as a renewal benefit.
- 2 International lounge access per quarter with Priority Pass membership and 2 domestic lounge access per quarter.
- Airport meet and greet service and personal concierge service.
- Travel-related insurance benefits and 1% fuel surcharge waiver.
Reward Earning as Avios
The Avios Visa Infinite credit card offers Avios as reward points that can be used at both British Airways and Qatar Airways.
- 6X Avios/₹200 for Point of Sale transactions at preferred destinations.
- 5X Avios/₹200 spent on the Qatar Airways and British Airways website or mobile app.
- 3X Avios/₹200 spent on other domestic and international spends, no matter which airline program you opt for.
- 1X Avios/₹200 for utilities, government, and insurance spends.
- No points shall be earned for fuel transactions.
Preferred destinations can be selected while applying for the card and can be changed at every renewal. Check the complete list of preferred destinations available here.
Reward Redemption
The Avios earned by you can be redeemed against a host of different options at Qatar Airways or British Airways.
- For Qatar Airways, you can spend the Avios earned by you for award flights and upgrades, to buy gifts, or transfer Avios at the Qatar Duty Free, for partner airlines award flights, to book flights with Cash + Avios, and more.
- For British Airways, you can spend the Avios earned by you for reward flights, class upgrades, booking British Airways Holidays, booking flights with Cash + Miles, booking hotel stays, car rentals, travel experiences, and more.
Travel Benefits
The IndusInd Avios Visa Infinite credit card offers the following travel benefits to cardholders.
Airport Meet and Greet
Getting extra care when you are traveling, especially on long flights, is a great experience. The card offers two complimentary Airport Meet and Greet services every year at top airports for the cardholder. Both the primary cardholder and his companion get the service. The services include –
- Dedicated 1-to-1 service
- Meet and greet when you arrive at the airport terminal
- A guide to accompany you throughout the airport for proper security and seamless immigration
- Assistance with baggage and security
- Porter service for a maximum of 3 bags
Priority Pass Program
The Avios credit card offers a complimentary Priority Pass membership to the cardholder that offers access to international airport lounges worldwide. The cardholder gets two lounge access per quarter through the Priority Pass.
Domestic Lounge Access
With the card, the cardholder gets two complimentary domestic lounge access per quarter at participating lounges. You get to relax at the lounge and enjoy gourmet meals, Free WiFi, entertainment, and more.
Airline Benefits
For cardholders who choose the Qatar Airways Privilege Club program, they get an exclusive 10% discount on booking flights via the Qatar Airways app or website. Cardholders get the discount on all flights departing from India, and they need to use the code ‘IDSCB23’ to get the benefit.
Insurance Benefits
The Avios credit card offers overseas medical insurance worth $25,000, and air accident insurance cover of ₹25 lakh to the cardholder. Other than this, IndusInd has partnered with Oriental Insurance Company to offer the following coverage –
- Lost baggage – ₹1 Lakh
- Delayed baggage – ₹25,000
- Loss of passport – ₹50,000
- Lost ticket or missed flight connection – ₹25,000
Concierge Service
The Avios credit card offers concierge service to make sure everything is planned properly for you during your travel, and you can have a nice time.
Elderly Care Assist
While you are out traveling, the concierge service takes care of the elderly people in your family back in India. They help with home care, OPD appointments, healthcare packages, diagnostic test bookings, teleconsultation appointments, home quarantine, physiotherapy assistance, consultation with wellness experts, dieticians, nutritionists, etc.
International Events
The concierge service will help you visit iconic events and plan the entire itinerary for you. They will arrange tickets for sold-out events and hospitality events. You can visit football matches, tennis tournaments, motor racing events, fashion events, music festivals and concerts, art exhibitions, etc.
Other Services
The concierge services will help and assist you with other things, including –
- Pre-trip assistance and planning
- Gift and flower delivery assistance
- Hotel referral and reservation bookings
- Dining referrals and reservation bookings
Fuel Surcharge Waiver
You get a 1% fuel surcharge waiver on transactions between ₹500 and ₹10,000 at fuel stations across the country.
Total Protect
The Total Protect program will protect you against fraudulent activity on your card up to your credit limit, and it also protects the add-on cards. You get protection against unauthorized transactions, counterfeit cards, and fraudulent use in case of a stolen card.
IndusInd Bank Avios Credit Card Other Features
With the Avios credit card, the cardholder gets access to many unique experiences that take the overall travel experience to a whole new level. The luxury, relaxation, and comfort offered by both Qatar Airways and British Airways join forces with the convenience and trust offered by IndusInd Bank on the Avios Visa Infinite credit card.
With this credit card, your travels and journeys will surely be unforgettable and the best you can imagine. As it is a multi-brand card, you can choose to opt for either the Qatar Airways or British Airways program, and each of them has different welcome, renewal, and other benefits. Let’s know more about what the IndusInd Bank Avios credit card has to offer –
Welcome Benefits
When you get the IndusInd Bank Avios Infinite credit card, you get access to world-class adventures and travel. The card onboards with a bonus of 20,000 Avios.
Milestone Benefits
The Avios Visa Infinite credit card has amazing milestone benefits on offer for cardholders. No matter the airline program chosen by you, you get the following milestone benefits –
- Bonus 18,000 Avios on spending ₹8 Lakhs or more in the year
- Bonus 18,000 Avios more on a second spending of ₹8 Lakhs in the year
- The maximum amount of Avios you can earn in a year through milestone benefits is 36,000, and the bonus Avios is credited within 10 days after card statement generation once you achieve the milestone spend.
Renewal Benefits
Bonus 5,000 Avios that are credited within 15 days of paying the renewal fee.
IndusInd Bank Avios Visa Infinite Credit Card – Fees & Charges
The following are the fees associated with the credit card –
- The credit card comes at a joining fee of ₹10,000 and an annual fee of ₹5,000 that has to be paid after 12 months of card issuance.
- The interest rate on the card is 3% per month or 36% per annum.
- The cash advance fee on the credit card is waived.
- The forex markup fee on the card is 3.5% everywhere and 1.5% at preferred international destinations.
Bottom Line
Frequent travelers and those who are looking for a nice travel credit card should consider the IndusInd Bank Avios Visa Infinite credit card. IndusInd Bank has partnered with both British Airways and Qatar Airways to launch this multi-brand credit card. This card works on the Visa Infinite network and offers Avios as reward points, which is the reward currency for both Qatar and British Airways’ loyalty programs.
The cardholder can earn up to 6X Avios/₹200 spent for POS transactions and earn 5X Avios/₹200 for British Airways and Qatar Airways bookings. If you regularly make foreign currency spends, then you can benefit from the low 1.5% forex markup fee at the preferred destinations. Moreover, the card is packed with travel benefits, including meet and greet service at airports, complimentary international as well as domestic lounge access, concierge services, discounts on flight bookings, and more.
Even though the card has a high joining fee and annual fee, it still offers many great privileges for people who travel frequently, especially on international flights through British Airways and Qatar Airways.
The IndusInd Bank Avios Credit Card has now become valuable for many ever since its revaluation in April 2025. This is a must-have card for those who often travel across the globe. Do let us know your thoughts on this multi-brand travel credit card by IndusInd Bank, and if you plan on applying for it.
FAQs:
What are the joining and annual fees of the card?
The IndusInd Bank Avios Visa Infinite credit card has a joining fee of ₹10,000 plus taxes and an annual fee of ₹5,000 plus taxes that has to be paid after 12 months of card issuance.
What are the welcome benefits of the card for those who opt for the Qatar Airways Privilege Club program?
Whichever program cardholders choose, they shall be eligible for 20,000 bonus Avios as a joining benefit.
What is the reward rate on the credit card?
You get 5X Avios per ₹200 spent on the British or Qatar Airways website, and 1X Avios per ₹200 spent on other domestic as well as international spends. Also, you get accelerated 6X Avios per ₹200 spent on preferred international destinations.
Does the card offer a low foreign exchange markup fee?
The forex markup fee on the card is the standard 3.5% of the transaction amount everywhere. However, you are charged a low forex markup fee of 1.5% of the transaction amount on spends at your preferred international destinations.
Does the card offer complimentary airport lounge access?
Yes, the Avios Visa Infinite credit card offers 2 complimentary international lounge access per quarter with the Priority Pass membership. You can also access the domestic lounge 2 times per quarter with the credit card.