Is the IndusInd Bank Avios Visa Infinite Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
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- FreeCost
- International card
- ₹5,900 fee a year (with GST)
- 1.5% base, up to 3% on foreign spends
- 16 lounge visits a year
- Pays in air miles
- foreign spends: 3% back
- travel only at British Airways, Qatar Airways: 2.5% back
- flyers: 16 airport lounge visits a year
- you spend less than ₹33,000 a month: below that the ₹5,900 fee costs more than the rewards
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on foreign spends: the 3% rate applies only there, everything else earns 1.5%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3% a month (36% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 3 Avios per ₹200 on base spend, domestic, and international outside your nominated preferred destination (~1.5%)
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 1.5% | No cap | The card's normal rate | - |
| Dining and food delivery | 1.5% | No cap | The card's normal rate | - |
| Groceries | 1.5% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 1.5% | No cap | Anywhere else in the category | - |
| Travel: flights, hotels, trains, only at listed merchants | 2.5% | No cap | Only at: British Airways, Qatar AirwaysTerms: 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. | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.5% | No cap | All merchants in the categoryTerms: 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. | - |
| Rent | 1.5% | No cap | The card's normal rate | - |
| Insurance premiums | 0.5% | No cap | All merchants in the categoryTerms: 1 Avios per ₹200 on insurance premium payments (~0.5%) | - |
| School and college fees | 0.5% | No cap | All merchants in the categoryTerms: 1 Avios per ₹200 at educational institutions (~0.5%) | - |
| Wallet top-ups | 1.5% | No cap | The card's normal rate | - |
| Taxes and government payments | 0.5% | No cap | All merchants in the categoryTerms: 1 Avios per ₹200 on government services (~0.5%) | - |
| Spend abroad or in a foreign currency | 3% | No cap | All merchants in the categoryTerms: 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. | - |
| Everything else | 1.5% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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