IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
last updated: Nov 20, 2025
₹5,000
₹10,000
1.5%
16 visits/yr
Contents
IndusInd Bank Avios Visa Infinite Credit Card is a premium metal travel credit card built for frequent international flyers. It lets you choose between Qatar Airways Privilege Club or British Airways Executive Club and earn Avios directly in your preferred airline loyalty account. You get 20,000 bonus Avios as a joining benefit, accelerated Avios on spends at your preferred international destination and airline websites, plus complimentary domestic and international lounge access. Added perks like travel insurance, meet-and-greet services and a lower forex mark-up at your chosen region make it a powerful travel companion for global trips.
Features of IndusInd Bank Avios Visa Infinite Credit Card which makes it unique
Choice of Airline Loyalty Programme
Link the card to either Qatar Airways Privilege Club or British Airways Executive Club and earn Avios directly in that programme.
Lets you focus your rewards strategy on the airline and routes you fly most often.
More flexible than single-airline co-branded travel credit cards.
Preferred International Destination Benefit
Select one global region as your preferred international destination to unlock higher Avios earn rates and lower forex markup.
Maximises value for frequent travellers to a specific region such as Europe, Americas or Middle East.
Unique region-based accelerator that many competing premium cards in India do not offer.
Rewards Structure of IndusInd Bank Avios Visa Infinite Credit Card
Preferred International Destination – POS Spends
acceleratedPoint-of-sale transactions at your selected preferred international region (for example Europe, Americas, Middle East & South Asia, etc.).
Fuel transactions and a few restricted categories do not earn Avios.
Preferred International Destination – Online Spends
acceleratedOnline spends billed in your chosen preferred international destination.
Ideal for booking hotels, experiences and e-commerce from your preferred region.
Qatar Airways & British Airways Spends
acceleratedBookings made on the selected airline’s official website or mobile app using the card.
Avios are credited directly to your linked Privilege Club or Executive Club account.
Domestic and Other International Spends
baseRegular domestic and non-preferred international retail spends, excluding restricted categories.
Most everyday spends like shopping, dining and travel earn Avios at this rate.
Utilities, Government, Education and Insurance
baseBill payments for utilities, government services, education and insurance premiums.
These categories earn a lower Avios rate compared to general spends.
Milestones of IndusInd Bank Avios Visa Infinite Credit Card
Annual Milestone – Tier 1
₹8,00,000 in a card anniversary year : 18,000 bonus Avios credited within about 10 days of statement generation after crossing the milestone.
Annual Milestone – Tier 2
Additional ₹8,00,000 in the same anniversary year (total ₹16,00,000) : Additional 18,000 bonus Avios, taking the total milestone benefit to 36,000 Avios in a year.
Fees & Charges of IndusInd Bank Avios Visa Infinite Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹5,000 |
| Forex Markup Fee | 1.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹250 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Renewal fee of ₹5,000 + GST is charged from the second year onwards. Cardholders receive a renewal Avios benefit from the chosen airline programme; there is currently no standard spend-based renewal fee waiver.
Fee Explanation Late payment fee is slab-based (up to ₹1,300) depending on the total amount due. Foreign currency mark-up is 1.5% at your preferred international destination and 3.5% elsewhere, plus applicable taxes. Cash advance charges are currently waived as per card MITC; other standard bank charges may apply and are subject to change by IndusInd Bank.
Lounge Access Benefits with IndusInd Bank Avios Visa Infinite Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
2 complimentary domestic lounge visits per calendar quarter for the primary cardholder at participating Visa Infinite lounges in India.
international Lounges
silverVisits per year: 8
Guest access: No
Complimentary Priority Pass membership and 2 free international lounge visits per calendar quarter for the primary cardholder; usage fees apply beyond the complimentary quota and for guests.
Insurance Coverage with IndusInd Bank Avios Visa Infinite Credit Card
International Travel Health Insurance
Up to USD 25,000Covers hospitalisation due to accidental injury or sudden illness during international trips when travel tickets are booked using this credit card; maximum trip duration and age limits apply.
Travel Inconvenience Cover
Up to ₹1,00,000 (sub-limits apply)Includes cover for lost baggage, delayed baggage, loss of passport, lost ticket and missed flight connections as per policy terms and conditions.
Air Accident Cover
Up to ₹25,00,000Personal air accident insurance for the primary cardholder when travelling by air with tickets purchased using this card.
Card Fraud Protection (Total Protect)
Up to the assigned credit limitCovers unauthorised and counterfeit transactions, including those up to 48 hours prior to reporting card loss to the bank, subject to policy terms.
Additional Features of IndusInd Bank Avios Visa Infinite Credit Card
Contactless Payments
Chip-and-PIN Visa Infinite credit card with contactless tap-to-pay capability for faster checkouts.
Tap-to-pay is allowed for transactions within RBI contactless limits; above that, PIN entry may be required.
Airport Meet-and-Greet Services
Two complimentary meet-and-greet services per year at leading international airports.
Available for the primary cardholder or an accompanying guest; includes assistance with check-in, security, immigration and porter services where available.
Concierge & Elderly Care Assist
24x7 premium concierge for travel bookings, dining reservations and event access, plus elderly care assistance services in India.
Concierge arranges services on a best-effort basis; actual service costs are borne by the cardholder.
Welcome Bonus with IndusInd Bank Avios Visa Infinite Credit Card
Welcome Bonus: 20,000 bonus Avios
Bonus Conditions: 20,000 Avios are credited within about 15 days after successful payment of the joining fee and card activation with the chosen airline loyalty programme.
Application Process for IndusInd Bank Avios Visa Infinite Credit Card
Processing Time
Typically 7–10 working days after successful verification of documents.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the IndusInd Bank website or Finanjo credit card page and choose the Avios Visa Infinite Credit Card.
Fill in basic details such as name, contact information, city and PAN to check preliminary eligibility.
Complete the detailed application form, selecting your preferred airline loyalty programme and preferred international destination.
Upload KYC documents and income proof or schedule a doorstep pickup as per bank process.
Await verification, credit assessment and final approval decision from IndusInd Bank.
On approval, the metal credit card is dispatched to your registered address and can be activated as per the welcome kit instructions.
Required Documents for IndusInd Bank Avios Visa Infinite Credit Card
Identity Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
IndusInd Bank Avios Visa Infinite Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across major merchants in India, including travel, fuel, retail, dining, online and luxury categories that support Visa credit cards.
International Acceptance
Accepted globally at millions of Visa merchant outlets and ATMs for purchases and cash withdrawals.
Online Acceptance
Enabled for secure e-commerce payments, airline and hotel bookings, subscription services and international websites that support Indian-issued Visa cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for IndusInd Bank Avios Visa Infinite Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹150,000
Minimum annual income
Self-Employed Applicants
₹200,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian resident with a stable verifiable income, valid PAN and Aadhaar, and a clean repayment history as per IndusInd Bank’s internal credit policy.
How Approval Is Decided
- Minimum monthly income typically in the higher premium card range, subject to bank policy at the time of application.
- Indian resident with stable employment or business history.
- Satisfactory credit score (generally 750 or above) and a good repayment track record.
- Internal risk assessment clearance by IndusInd Bank based on bureau reports and existing banking relationship, if any.
Pros of IndusInd Bank Avios Visa Infinite Credit Card
- Excellent for frequent international flyers who regularly use Qatar Airways or British Airways.
- Attractive welcome and milestone bonus structure, with up to 56,000 Avios (welcome + milestones) possible in the first year for high spenders.
- Lower forex markup at preferred international destination increases value of overseas spends.
- Premium travel perks like meet-and-greet, airport lounges and concierge services enhance the overall experience.
- Direct Avios accrual makes it easy to redeem for flights, upgrades, hotels and experiences worldwide.
Cons of IndusInd Bank Avios Visa Infinite Credit Card
- High joining and annual fees compared to mainstream travel credit cards.
- Best value is unlocked only if you frequently travel internationally and use the chosen airline partner.
- Avios rewards are less useful if you rarely fly Qatar Airways or British Airways or do not plan long-haul international trips.
- Utility and insurance spends earn Avios at a lower rate than general spends.
- Eligibility requirements are stricter, with higher income and credit score expectations.
Frequently Asked Questions about IndusInd Bank Avios Visa Infinite Credit Card
Who should apply for the IndusInd Bank Avios Visa Infinite Credit Card?
This card is best suited for frequent international travellers who often fly with Qatar Airways or British Airways and want to collect Avios quickly through everyday spends and travel bookings.
What is the welcome bonus on this card?
New cardholders receive 20,000 bonus Avios after paying the joining fee and activating the card, with Avios credited to the selected airline loyalty account within a few days.
How many Avios can I earn on international spends?
You can earn up to 6 Avios per ₹200 on point-of-sale transactions at your preferred international destination, 5 Avios per ₹200 on eligible spends at the chosen airline’s website or app, and 3 Avios per ₹200 on most other domestic and international purchases.
What is the forex markup on this card?
The card offers a lower 1.5% forex markup on spends at your preferred international destination and a 3.5% forex markup at other foreign locations, plus applicable taxes.
Does this card offer airport lounge access?
Yes. You get complimentary Priority Pass membership with free international lounge visits per quarter, along with complimentary domestic airport lounge access at participating Visa lounges in India.
Can I switch my preferred international destination or airline loyalty programme later?
You select your preferred international destination and airline loyalty programme at the time of application. As per current programme rules, changes are typically allowed after completing a card anniversary year, subject to IndusInd Bank’s policies.
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