IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank · Visa · Premium card
A focused premium Avios option with strong lounge allowances and a low preferred-destination forex rate.
British Airways or Qatar Airways Avios collectors who travel internationally several times a year.
Terms checked 24 Sept 2026
- Annual fee
- ₹5,000 + GST
- Joining fee
- ₹10,000 + GST
- Base reward rate
- 1.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1.5% |
| Groceries & essentials | 1.5% |
| Dining & delivery | 1.5% |
| Travel & hotels | 1.5% preferred destinations and airlines only |
| Beauty & wellness | 1.5% |
| Entertainment & movies | 1.5% |
| Healthcare & pharmacy | 1.5% |
| Subscriptions & streaming | 1.5% |
| Offline store shopping | 1.5% |
| International spending | 1.5% |
| Gold & jewellery | 1.5% |
| Other miscellaneous | 1.5% |
| Bills & utilities | 0.5% |
| Education & family | 0.5% |
| Insurance premiums | 0.5% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year • 8 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
2 international airport lounge visits per quarter · Priority Pass
Guest access: Chargeable
Priority Pass use within India and guest visits are chargeable under issuer terms.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Preferred-destination POS Avios
Usage-based valueSix Avios per ₹200 only on point-of-sale purchases in the cardholder’s selected preferred international destination.
Conditions: Six Avios per ₹200 only on point-of-sale purchases in the cardholder’s selected preferred international destination.
British Airways and Qatar Airways direct Avios
Usage-based valueFive Avios per ₹200 only on eligible British Airways or Qatar Airways website/app purchases.
Conditions: Five Avios per ₹200 only on eligible British Airways or Qatar Airways website/app purchases.
Utility, education and insurance Avios
Usage-based valueOne Avios per ₹200 on eligible utility, education and insurance transactions.
Government-payment Avios
Usage-based valueOne Avios per ₹200 only on transactions identified as government payments.
Conditions: One Avios per ₹200 only on transactions identified as government payments.
Other eligible Avios
Usage-based valueThree Avios per ₹200 on other eligible domestic and international purchases; preferred-destination online purchases also use this rate.
Fees · 3 items
Annual card fee
Cost ₹5,000₹5,000 annual fee before applicable tax.
Joining fee
Cost ₹10,000₹10,000 one-time joining fee before applicable tax.
5,000 renewal Avios after payment of the ₹5,000 annual fee
Shown without a cash value
Welcome benefits · 1 item
20,000 welcome Avios
Recorded value ₹20,000Welcome Avios valued at the engine’s conservative ₹1 per Avios.
Conditions: Pay the applicable ₹10,000 joining fee · Meet issuer activation and fulfilment conditions
Spend milestones · 2 items
18,000 Avios at ₹8 lakh
18,000 reward unitsUnlocked after ₹8,00,000 of eligible spending.
Conditions: Reach ₹8,00,000 per card anniversary year
18,000 additional Avios at ₹16 lakh
18,000 reward unitsUnlocked after ₹16,00,000 of eligible spending.
Conditions: Reach ₹16,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not available.
International lounge access
Usage-based value2 visits per quarter through Priority Pass. Guest access: chargeable. Priority Pass use within India and guest visits are chargeable under issuer terms.
Travel privileges · 1 item
Two complimentary meet-and-greet uses yearly at eligible airports
Shown without a cash value
Insurance and protection · 4 items
Overseas medical cover up to USD 25,000
Shown without a cash valueLost baggage ₹1 lakh and delayed baggage ₹25,000
Shown without a cash valuePassport loss ₹50,000, ticket loss ₹25,000 and missed connection ₹25,000
Shown without a cash valueTotal Protect card-loss and counterfeit-fraud cover
Shown without a cash value
Concierge · 1 item
24x7 concierge and elderly-care assistance
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. IndusInd Bank does not publish a universal numeric income threshold for Avios Visa Infinite.
Other benefits · 4 items
Up to 10% Qatar Airways discount under booking-class and fare terms
Shown without a cash value1% fuel-surcharge waiver on eligible fuel transactions; the reviewed page does not publish a numeric cap
Shown without a cash valueThree Avios per ₹200 on eligible ordinary purchases
Shown without a cash valueSix Avios per ₹200 at the selected preferred international destination
Shown without a cash value
Other categories (7)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 20,000 welcome Avios after payment of the joining fee
- ✓ Three Avios per ₹200 on eligible ordinary purchases
- ✓ Six Avios per ₹200 at the selected preferred international destination
- ✓ Eight domestic and eight international lounge visits yearly
What to watch
The 1.5% forex rate applies only to point-of-sale spend at the selected preferred destination; standard forex is 3.5%. Reward earning per statement is limited by the assigned credit limit and cannot be fully valued without that limit.
Recorded exclusions
Fuel Commute · Rent · Cash withdrawal · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026