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When it comes to private sector financial institutions in the country, one of the first names that pop up into our minds include IndusInd Bank. The bank offers various banking services and has an admirable range of credit cards. Recently, the bank did something unique to offer a reimagined travel experience to their cardholders as it launched a multi co-branded travel credit card for customers.

For those who frequently travel to foreign countries they must have surely heard about both the Qatar Airways as well as the British Airways. Both these airlines operate some of the best in-class flights and their loyalty programs, the Qatar Airways Privilege Club the British Airways Executive Club, have members throughout the world.

With the Avios credit card, you earn Avios that is the reward points of both the airlines’ loyalty programs, and can be used for exclusive perks and benefits on your travels, especially international flights. The Avios credit card is available in the Visa Infinite variant, and 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

Rs. 40,000 + GST

Renewal Fee

Rs. 10,000 + GST

Best Suited For

Travel |

Reward Type

Reward Points |

Welcome Benefits

Complimentary Gold tier membership and bonus 20,000 Avios for Qatar Airways Privilege Club members, and bonus 55,000 Avios for British Airways Executive Club members

Movie & Dining

NA

Rewards Rate

2x Avios per Rs. 200 spent on Qatar or British Airways website, 1x Avios per Rs. 200 spent elsewhere. 5x Avios per Rs. 200 spent at preferred international destinations

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

NA

Insurance Benefits

Overseas medical emergency cover, air accident insurance cover, and other travel-related insurance benefits

Spend-Based Waiver

NA

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% everywhere and 1.5% at preferred international destinations

Interest Rates

3% per month and 36% per annum

Fuel Surcharge

1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4000

Cash Advance Charges

Nil

  • Complimentary Gold membership tier of the Qatar Airways Privilege club and bonus 20,000 Avios as welcome benefit
  • Bonus 55,000 Avios as welcome benefit for British Airways Exclusive Club members
  • 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
  • Bonus 25,000 Avios as milestone benefit on reaching the target spend
  • Bonus 5000 Avios and upgrade to Gold membership tier of Qatar Airways loyalty program as 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

IndusInd Bank Avios Credit Card – Features & Benefits

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 you with you a host of welcome benefits that depend on the whether you choose the British Airways or the Qatar Airways program.

If you choose the Qatar Airways Privilege Club Program, then you get –

Complimentary Gold tier membership of the loyalty program and bonus 20,000 Avios. The bonus Avios are credited within 15 days of paying the joining fee. The Gold membership of the Privilege Club offers perks like additional baggage allowance, priority check-in, access to Business Class lounges, exclusive 15% discount at Qatar Duty Free, complimentary seat selection, etc.

If you choose the British Airways Executive Club program, then you get 55,000 bonus Avios and the bonus points are credited to your account within 15 days of paying the joining fee.

Reward Earning as Avios

The Avios Visa Infinite credit card offers Avios as reward points that can be used at both the British Airways as well as Qatar Airways.

With Qatar Airways, you get 2x Avios per Rs. 200 spent on Qatar Airways website or mobile app. You also get 10% discount on booking flights departing from India via the Qatar Airways website or app.

With British Airways, you get 2x Avios per Rs. 200 spent with the card on British Airways website or mobile app.

Apart from this, you get 1x Avios per Rs. 200 spent on other domestic and international spends no matter which airline program you opt for.

Accelerated Rewards at Preferred Destinations

There are several exquisite places around the world where you can travel and have a memorable time. With both the airline programs, you can choose your preferred international destinations.

  • You will earn accelerated 5x Avios per Rs. 200 spent on POS transactions made at these preferred destinations chosen by you.
  • Moreover, you get access to lower 1.5% foreign currency markup on POS and online spends made at your preferred destinations.
  • You can choose a destination in Americas, North Asia and Europe, South Asia and Middle East, Africa, New Zealand, Australia, Far East, and more.

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 gift, 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, book flights with Cash + Miles, to book hotel stays, car rentals, travel experiences, and more.

Milestone Benefits

The Avios Visa Infinite credit card has amazing milestone benefits on offer for the cardholders. No matter the airline program chosen by you, you get the following milestone benefits –

  • Bonus 25,000 Avios on spending Rs. 8 Lakhs or more in the year
  • Bonus 25,000 Avios more on a second spending of Rs. 8 Lakhs in the year
  • The maximum amount of Avios you can earn in a year through milestone benefits is 50,000, and the bonus Avios are credited within 10 days after card statement generation, once you achieve the milestone spend.

Renewal Benefits

The card offers the following renewal benefits in case you opt for the Qatar Airways Privilege Club program –

  • Renewal of the Gold membership tier, that is renewed on spending an equivalent of QAR 14,000 on the Qatar Airways website or mobile app.
  • Bonus 5000 Avios that are credited within 15 days of paying the renewal fee

The card offers bonus 10,000 Avios as renewal benefit in case you opt for the British Airways Executive Club program. The bonus Avios are credited within 15 days of paying the renewal fee.

Travel Benefits

The IndusInd Avios Visa Infinite credit card offers the following travel benefits to the cardholders –

Airport Meet and Greet

Getting extra care when you are travelling, especially on long flights is a great experience. The card offers 2 complimentary Airport Meet and Greet services every year at top airports for the cardholder. Both the primary cardholder as well as his companion get the service. The services include –

  • Dedicated 1-to-1 service
  • Meet and greet when you arrive at the airport terminal
  • 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 2 lounge access per quarter through the Priority Pass.

Domestic Lounge Access

With the card, the cardholders gets 2 complimentary domestic lounge access per quarter at participating lounges. You get to relax at the lounge, enjoy gourmet meals. Free WiFi, entertainment, and more.

Airline Benefits

For cardholders who choose the Qatar Airways Privilege Club program, they get 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 Rs. 2.5 Crores to the cardholder. Other than this, IndusInd has partnered with Oriental Insurance Company to offer the following coverage –

  • Lost baggage – Rs. 1 Lakh
  • Delayed baggage – Rs. 25,000
  • Loss of passport – Rs. 50,000
  • Lost ticket or missed flight connection – Rs. 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 homecare, OPD appointments, healthcare packages, diagnostic test bookings, teleconsultation appointments, home quarantine, physiotherapy assistance, consultation with wellness experts, dieticians, and 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 that include –

  • Pre-trip assistance and planning
  • Gift and flower delivery assistance
  • Hotel referral and reservations bookings
  • Dining referrals and reservation bookings

Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4000 at fuel stations across the country.

Total Protect

The Total Protect program will cover you against fraudulent activity on your card up to your credit limit and it also protects the add-on cards. You get protection against unauthorised transactions, counterfeit cards, and fraudulent use in case of stolen card.

IndusInd Bank Avios Visa Infinite Credit Card – Fees & Charges

The following are the fees and charges associated with the credit card –

  • The credit card comes at a joining fee of Rs. 40,000 and annual fee of Rs. 10,000 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 off.
  • The fee for re-issue or replacement of the credit card is Rs. 100
  • The forex markup fee on the card is 3.5% everywhere, and 1.5% at preferred international destinations

Bottom Line

Frequent travellers 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 as well as 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 the Qatar as well as British Airways’ loyalty programs.

The cardholder can earn up to 2x Avios per Rs. 200 spent and accelerated 5x Avios on their preferred international destinations. 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 and annual fee, it still has many great privileges for people who travel frequently, especially on international flights through British and Qatar Airways. 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:

The IndusInd Bank Avios Visa Infinite credit card has a joining fee of Rs. 40,000 plus taxes and an annual fee of Rs. 10,000 plus taxes that has to be paid after 12 months of card issuance.
Cardholders who opt for the Qatar Airways Privilege Club program get Complimentary Gold tier membership of the loyalty program and bonus 20,000 Avios. The bonus Avios are credited within 15 days of paying the joining fee. The Gold membership of the Privilege Club offers perks like additional baggage allowance, priority check-in, access to Business Class lounges, exclusive 15% discount at Qatar Duty Free, complimentary seat selection, etc.
You get 2x Avios per Rs. 200 spent on the British or Qatar Airways website, and 1x Avios per Rs. 200 spent on other domestic as well as international spends. Also, you get accelerated 5x Avios per Rs. 200 spent on preferred international destinations.
The card offers the following renewal benefits in case you opt for the Qatar Airways Privilege Club program –
  • Renewal of the Gold membership tier, that is renewed on spending an equivalent of QAR 14,000 on the Qatar Airways website or mobile app.
  • Bonus 5000 Avios that are credited within 15 days of paying the renewal fee
The card offers bonus 10,000 Avios as renewal benefit in case you opt for the British Airways Executive Club program. The bonus Avios are credited within 15 days of paying the renewal 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
Yes, the Avios Visa Infinite credit card offers 2 complimentary international lounge access per quarter with the Priority Pass membership. You can also access domestic lounge access 2 times per quarter with the credit card.
IndusInd Bank Avios Visa Infinite Credit Card

IndusInd Bank Avios Visa Infinite Credit Card

(4.6/5)

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