InterMiles Odyssey Amex Credit Card
IndusInd Bank
Last updated: Jan 12, 2026
₹4,000
₹10,000
3.5%
4 visits/yr
Contents
InterMiles Odyssey Amex Credit Card from IndusInd Bank is a premium travel-focused credit card designed for frequent flyers and high-spend travellers. It rewards every swipe with InterMiles, with accelerated earning on flights, hotels and InterMiles partner spends. Cardholders enjoy domestic lounge access, Priority Pass membership for international lounges, fuel surcharge waiver and lifestyle privileges on movies, golf and dining. Although new sourcing is discontinued, it remains a strong value card for existing customers who optimise InterMiles for flights and hotel redemptions.
Features of InterMiles Odyssey Amex Credit Card which makes it unique
Weekend InterMiles Accelerator
Higher InterMiles earning on weekend spends across flights, hotels, dining and shopping.
Maximises rewards for cardholders who spend more on weekends.
Higher weekend earn rate than many general rewards credit cards.
InterMiles Ecosystem Integration
Deep integration with InterMiles for booking flights, hotels, fuel and shopping redemptions.
Easy to convert everyday spends into travel benefits and flight redemptions.
Stronger airline and travel linkage compared with regular bank rewards cards.
Optional InterMiles Uncapping
Option to pay an additional fee to remove the annual cap on InterMiles earning.
High spenders can keep earning InterMiles beyond the standard yearly cap.
Rare feature among Indian travel credit cards.
Rewards Structure of InterMiles Odyssey Amex Credit Card
Flights & Hotels via InterMiles.com
baseBookings on www.intermiles.com and interbook.intermiles.com
Best value for frequent flyers who book flights and hotels through InterMiles.
All Other Retail Spends
baseEligible POS and online transactions in India and abroad (excluding fuel, rentals, utilities, insurance and cash transactions as per bank policy).
Higher earn rate on weekend shopping, dining and travel spends.
InterMiles Partner & Etihad Spends
baseEligible spends on Etihad Airways and select partners or via InterMiles earn links such as Amazon and other merchants.
Partner offers change frequently; always check current InterMiles earn rates before booking.
Milestones of InterMiles Odyssey Amex Credit Card
Welcome InterMiles Milestone
Payment of joining fee and completion of first eligible transaction. : 15,000 InterMiles credited to your InterMiles membership account.
Annual Renewal Milestone
Payment of renewal fee from second year onwards. : 5,000 InterMiles plus discount vouchers on select flight and hotel bookings via InterMiles.
Fees & Charges of InterMiles Odyssey Amex Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹4,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:5,000 InterMiles as renewal bonus from year two; annual fee not waived.
Fee Explanation Finance charges up to 3.83% per month (46% p.a. approx.) and fees vary by slab; GST is applicable on all fees and interest.
Lounge Access Benefits with InterMiles Odyssey Amex Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Up to 4 complimentary domestic lounge visits per year at select Indian airports for primary cardholder.
international Lounges
silverVisits per year: 0
Guest access: No
Complimentary Priority Pass membership with access to 700+ lounges; per-visit usage fee charged to the card.
Insurance Coverage with InterMiles Odyssey Amex Credit Card
Air accident cover
₹25,00,000Applicable in case of death due to air accident while travelling on a valid ticket purchased using the card.
Travel insurance
Up to ₹1,00,000 for lost baggage and additional benefitsCovers lost baggage, delayed baggage, loss of passport, missed connection and lost ticket as per policy schedule.
Fraud & card protection
Up to the credit limit (Total Protect)Covers unauthorised and counterfeit transactions from the time of loss reporting, subject to insurer’s terms.
Additional Features of InterMiles Odyssey Amex Credit Card
InterMiles Silver Tier Membership
Complimentary InterMiles Silver or equivalent tier membership for eligible cardholders.
Membership terms decided by InterMiles program and may change over time.
Concierge Service
24x7 concierge for travel bookings, dining reservations, gifts and lifestyle requests.
Service fees or vendor charges may apply depending on request.
Auto Assist & Roadside Assistance
Support in case of car breakdown, towing, battery jumpstart and emergency fuel delivery in select cities.
Usage limits and service availability vary by location.
Add-on Cards
Complimentary add-on cards for family members.
Primary cardholder remains liable for all spends on add-on cards.
Welcome Bonus with InterMiles Odyssey Amex Credit Card
Welcome Bonus: 15,000 InterMiles
Bonus Conditions: Welcome InterMiles are credited after realisation of the joining fee and first successful transaction within the specified period.
Application Process for InterMiles Odyssey Amex Credit Card
Processing Time
5-7 business days for eligible applications (for existing cardholders when it was open).
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the IndusInd Bank credit card section or respond to an invitation for the InterMiles Odyssey Amex Credit Card when it was open for sourcing.
Fill in personal, contact and employment details and share your InterMiles membership number or enrol for InterMiles.
Upload or submit KYC documents such as PAN, Aadhaar, address proof and income proof.
Complete tele-verification or in-person verification if required by the bank.
On approval, the credit card is generated and dispatched to your registered address, and the welcome InterMiles are credited after fee realisation.
Required Documents for InterMiles Odyssey Amex Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
InterMiles Odyssey Amex Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at large merchants, travel portals and online platforms in India that support American Express, but acceptance may be limited at smaller offline outlets.
International Acceptance
Accepted at most global merchants and online websites that support American Express worldwide.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for InterMiles Odyssey Amex Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹60,000
Minimum annual income
Self-Employed Applicants
₹75,000
Minimum annual income
Who Can Apply
Important Conditions
- Stable income, good credit history, and successful KYC. Card is invitation-only for most customers; new sourcing has been discontinued by IndusInd Bank.
How Approval Is Decided
- Applicant must be an Indian resident, at least 21 years old and within the bank’s maximum age limit.
- Stable income as salaried or self-employed with acceptable documents.
- Good credit profile with a strong CIBIL score, ideally 750 or above.
- Internal IndusInd Bank eligibility and invitation criteria for this specific co-branded product.
Pros of InterMiles Odyssey Amex Credit Card
- High InterMiles earning potential on weekend travel and shopping spends.
- 15,000 InterMiles welcome bonus plus 5,000 renewal InterMiles from year two.
- Domestic lounge access and Priority Pass membership for international travel.
- Fuel surcharge waiver and travel insurance benefits on the same card.
Cons of InterMiles Odyssey Amex Credit Card
- High joining and annual fees compared with regular rewards credit cards.
- American Express network has relatively limited acceptance at small merchants.
- Rewards are concentrated in InterMiles, which suit frequent travellers more than casual users.
- New sourcing has been discontinued, so the card is mainly relevant for existing cardholders.
Frequently Asked Questions about InterMiles Odyssey Amex Credit Card
Does this card come with travel and purchase insurance?
Yes. The card typically includes personal air accident cover, select travel insurance benefits and fraud protection under the bank’s Total Protect program, subject to policy terms.
Is there a joining fee on the InterMiles Odyssey Amex Credit Card?
Yes. The card carries a joining fee of ₹10,000 plus GST, and you receive 15,000 InterMiles as a welcome bonus after the fee is realised and an eligible transaction is posted.
What is the annual fee and renewal benefit on this card?
From the second year onwards, the annual fee is ₹4,000 plus GST. On successful renewal, you receive 5,000 InterMiles credited to your InterMiles account.
How many InterMiles can I earn on my day-to-day spends?
You can earn up to 6 InterMiles per ₹100 on regular spends and up to 12 InterMiles per ₹100 on weekend flight and hotel bookings via InterMiles, subject to the annual InterMiles cap.
Does the InterMiles Odyssey Amex Credit Card offer airport lounge access?
Yes. You get complimentary visits to select domestic airport lounges in India and a Priority Pass membership for access to international lounges, where a per-visit fee is charged to your card.
Is this credit card still available for new customers?
No. IndusInd Bank has discontinued new sourcing of InterMiles Odyssey cards. The product is now shown only for existing cardholders, and benefits may be revised over time.
Who should consider using this card for the long term?
This card works best for frequent flyers who regularly book flights and hotels through InterMiles and can maximise weekend spends, lounge access and travel benefits.
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