IndusInd Bank
IndusInd Bank Avios Visa Infinite Credit Card
Data last verified: 11 October 2026
- Joining fee₹10,000 + GST
- Annual fee₹5,000 + GST
- Reward rate1.5% base, up to 3% on foreign spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹10,000 + GST
- Annual fee₹5,000 + GST
- Forex markup3.5%
- Interest (APR)3% a month, 36% a year
This card earns Avios, the miles used by British Airways and Qatar Airways. Base spends earn 3 Avios per Rs 200, spends on the two airlines' own sites earn 5, and point-of-sale spends in your nominated preferred region abroad earn 6. Spend Rs 8 lakh in a year for 18,000 bonus Avios, and another 18,000 at Rs 16 lakh.
It costs Rs 10,000 to join and Rs 5,000 a year after, with no spend waiver. Each renewal adds 5,000 Avios, which softens that fee. For someone who flies these airlines and can reach the Rs 8 lakh milestone, the card earns far more than it costs.
You also get 2 international and 2 domestic lounge visits each quarter with no spend condition. The catch is forex. It is 1.5% only at point-of-sale in your preferred region and 3.5% everywhere else.
Best for: Frequent flyers on British Airways or Qatar Airways, High spenders who can cross Rs 8 lakh a year, International travellers to one regular region, Users earning Rs 1 lakh a month or more.
01IndusInd Bank Avios Visa Infinite Credit Card Rewards and Benefits
02IndusInd Bank Avios Visa Infinite Credit Card Annual Fee and Charges
- Joining fee
- ₹10,000 + GST
- Annual fee
- ₹5,000 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 3.5%
- Interest rate
- 3% a month (36% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on spend abroad or in a foreign currency, earning 3%₹150
- ₹15,000 on everything else, earning 1.5%₹225
- Back each month, ₹4,500 a year₹375
- Annual fee with 18% GST−₹5,900
- It costs you each year₹1,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Foreign spends: 3% back
- Travel only at British Airways, Qatar Airways: 2.5% back
- Flyers: 16 airport lounge visits a year
Skip it if…
- 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
04Product Details
- ₹10,000 joining fee, ₹5,000 annual fee
- 3 Avios per ₹200 on base spends, 5 on British Airways and Qatar Airways sites
- 6 Avios per ₹200 on point-of-sale spends in your preferred destination
- 18,000 bonus Avios at ₹8 lakh and another 18,000 at ₹16 lakh a year
- 5,000 Avios on every renewal
- 2 international (Priority Pass) and 2 domestic lounge visits a quarter
- 2 airport meet-and-greet services a year
05Pros and Cons
Pros
- About 1.5% back in Avios on everyday spends
- Up to 36,000 milestone Avios a year
- 16 lounge visits a year with no spend condition
- 5,000 Avios every renewal
Cons
- ₹10,000 upfront plus ₹5,000 a year, with no waiver
- 3.5% forex markup outside point-of-sale in your preferred region
- Only 1 Avios per ₹200 on utilities, insurance, education and government payments
- No Avios on fuel
06How IndusInd Bank Avios Visa Infinite Credit Card earns Rewards
1.5% base, up to 3% on foreign spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base rate. 3 Avios per ₹200 on base spend, domestic, and international outside your nominated preferred destination (~1.5%)
07IndusInd Bank Avios Visa Infinite Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 8 visits a year, through Priority Pass with Priority Pass. 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. Spending abroad carries a 3.5% forex markup; rewards on it: 3% back. See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, airport lounge access, milestone bonuses.
- Concierge service: 2 complimentary airport meet-and-greet services a year for the primary cardholder and a companion
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of ₹500 to ₹10,000, and IndusInd applies no ceiling (w.e.f 5 May 2024). The fuel spend itself earns no Avios.
- Milestone bonuses: 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.
- Milestone bonuses: 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.
- Milestone bonuses: 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.
08IndusInd Bank Avios Visa Infinite Credit Card Eligibility and Documents
- Age
- 21 years and above
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)
09Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| Jan 2026 | Changed: Limited 40,000-Avios welcome promo (pulled early) | Standing 20,000 Avios | 40,000 Avios for Jan 2026 approvals, then reverted to 20,000 |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| Apr 2025 | Changed: Base earn tripled to 3 Avios per ₹200Source: IndusInd Bank | 1 Avios per ₹200 | 3 Avios per ₹200 (6 on preferred destination POS, 5 on BA/Qatar) |
| Apr 2025 | Changed: Joining fee slashed to ₹10,000Source: IndusInd Bank | ₹40,000 joining + ₹10,000 annual | ₹10,000 joining + ₹5,000 annual |
| Apr 2025 | Reduced: Milestone cap trimmed to 36,000 Avios/yearSource: IndusInd Bank | 25,000 x2 at ₹8 lakh each = up to 50,000 a year | 18,000 x2 (₹8 lakh annual + ₹16 lakh cumulative) = up to 36,000 a year |
See this card's change history → · All card changes in January 2026 →
10Cards Similar to IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank Avios Visa Infinite Credit Card is a international card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Avios Visa Infinite Credit Card |  AU Traverse Credit Card |  AU Xcite Ultra Credit Card |
|---|---|---|---|
| Joining fee | ₹10,000 + GST | ₹4,999 + GST | ₹749 + GST |
| Annual fee | ₹5,000 + GST | ₹4,999 + GST | ₹749 + GST |
| Rewards | 1.5% base, up to 3% on foreign spends | 0.5% base, up to 1% on foreign spends | 1% base, up to 3% on foreign spends |
| Domestic lounge | 8 visits a year | 8 visits a year | 8 visits a year |
| Forex markup | 3.5% | 0.99% | 3.49% |
| Type | International | International | International |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndusInd Bank Avios Visa Infinite Credit Card Bill
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Common Questions
Is the annual fee waived?
No. The ₹5,000 renewal fee applies every year, but you get 5,000 bonus Avios on each renewal.
Which airlines can I use Avios with?
Avios are the miles of British Airways and Qatar Airways, and this card earns extra on both airlines' own websites and apps.
Is the forex markup really 3.5%?
Only on point-of-sale spends in your nominated preferred region. All other international spends carry 3.5%.
How many lounge visits do I get?
2 international visits through Priority Pass and 2 domestic visits every quarter, with no spend condition.
What is the joining fee for the IndusInd Bank Avios Visa Infinite Credit Card?
The joining fee is ₹10,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank Avios Visa Infinite Credit Card?
The annual fee is ₹5,000 + GST.
Does the IndusInd Bank Avios Visa Infinite Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 8 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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