InterMiles Odyssey Visa Credit Card
IndusInd Bank
Last updated: Feb 03, 2026
₹4,000
₹10,000
1.99%
20 visits/yr
Contents
A premium travel and lifestyle credit card co-branded with InterMiles. It converts routine spends into InterMiles, offers generous lounge access and travel benefits, and is suited to frequent flyers and dining shoppers. Lowers cost of travel through transfers to InterMiles and partner discounts.
Features of InterMiles Odyssey Visa Credit Card which makes it unique
Premium Travel Concierge
24x7 travel assistance and concierge services
Convenience for bookings and travel planning
Comparable to other premium travel cards
InterMiles Conversion
Transfer IndusInd reward points to InterMiles for flight and hotel redemptions
Direct access to travel redemptions and partner offers
Better for travellers frequenting InterMiles partners
Rewards Structure of InterMiles Odyssey Visa Credit Card
Travel
acceleratedFlights and hotels via InterMiles partners and intermiles.com
Dining
acceleratedRestaurants and dining spends
Base
baseAll other spends
Milestones of InterMiles Odyssey Visa Credit Card
Renewal Benefit
As per bank communication : Bonus InterMiles credited on renewal (example: 5,000 InterMiles)
Spend Milestone
Quarterly or annual milestones as per campaign : Periodic cashback, vouchers or bonus InterMiles
Fees & Charges of InterMiles Odyssey Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹4,000 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Renewal benefit and fee waivers may apply as per bank policy and lifetime-free offers communicated to customers.
Fee Explanation Standard bank charges apply for overdue amounts, cash advances and special services; please refer to IndusInd fees schedule.
Detailed Explanation of InterMiles Odyssey Visa Credit Card Fees
Joining Fee: 10,000 (one-time)
Paid at issuance; offers/waivers subject to promotions.
Annual Fee: 4,000 (yearly)
Renewal benefits and bonus InterMiles may be credited as per bank communications.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 or equivalent.
Lounge Access Benefits with InterMiles Odyssey Visa Credit Card
domestic Lounges
silverVisits per year: 16
Guest access: No
Participating domestic lounges; refer to bank priority list.
international Lounges
silverVisits per year: 4
Guest access: Yes
Access via Priority Pass or InterMiles benefits; fees may apply for visits charged to points.
Insurance Coverage with InterMiles Odyssey Visa Credit Card
Travel insurance
₹10,00,000Valid on international trips when full fare is charged to the card; terms apply.
Purchase protection
₹50,000Covers eligible purchases up to 90 days; refer to policy.
Additional Features of InterMiles Odyssey Visa Credit Card
Contactless Payments
Tap and pay enabled for fast contactless transactions
Add-on Cards
Add-on cards available to family members
Up to bank-specified limits.
Welcome Bonus with InterMiles Odyssey Visa Credit Card
Welcome Bonus: 15,000 bonus InterMiles
Bonus Conditions: Bonus InterMiles credited to InterMiles account after eligible spends of ₹50,000 within 90 days; new customers only; T&Cs apply as per IndusInd/InterMiles programme.
Application Process for InterMiles Odyssey Visa Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via IndusInd or partner portal
Upload KYC and income documents
Receive verification call/email
Card dispatched within bank-specified timeframe
Required Documents for InterMiles Odyssey Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
InterMiles Odyssey Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally at Visa merchants
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for InterMiles Odyssey Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar; eligibility and final approval subject to bank underwriting and KYC verification.
How Approval Is Decided
- Minimum income ₹30,000/month (salaried) or bank-specified thresholds
- Indian resident
- Credit score above bank threshold
Pros of InterMiles Odyssey Visa Credit Card
- Attractive welcome bonus of InterMiles
- High accelerated InterMiles on partner bookings
- Generous domestic lounge visits
Cons of InterMiles Odyssey Visa Credit Card
- High joining and annual fee
- Benefits best realised by frequent travellers
- Some offers are partner/channel specific
Frequently Asked Questions about InterMiles Odyssey Visa Credit Card
How many lounge visits are included?
The card typically includes multiple domestic lounge visits (example: up to 16/year) and limited international access; check the bank list for participating lounges.
Can I transfer reward points to InterMiles?
Yes. IndusInd reward points can be converted to InterMiles as per the bank and InterMiles conversion rules and minimum transfer thresholds.
What are the eligibility criteria?
Minimum age 21, Indian resident, minimum income requirements apply; final approval subject to underwriting and KYC.
Is there travel insurance?
Yes. The card includes travel insurance cover for eligible international trips; refer to policy T&Cs for coverage limits and conditions.
Is there a welcome bonus?
Yes. The card offers a welcome bonus of 15,000 InterMiles after eligible spends of ₹50,000 within 90 days. Terms apply.
What is the joining and annual fee?
Typical joining fee is ₹10,000 and annual fee ₹4,000. Offers and lifetime-free conversions may be communicated by the bank.
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