IndusInd Bank Avios Visa Infinite Review
PremiumIndusInd Bank
Quick Facts
Joining Fee₹10,000
Renewal Fee₹5,000
Best ForCo-branded
Forex Markup1.50%
30-Second Verdict
Expert VerdictAs a super-premium offering, the Avios Visa Infinite is the gold standard for high-value rewards, offering outstanding yields on accelerated spending portals and premium transfer partners.
Luxury & Lifestyle•International Travel
Who Should Apply
- You value airport lounge access and travel perks.
- You want a steady return rate of 1.5% on standard spends.
Who Should Skip
- You want to avoid paying an annual fee of ₹5,000.
- Your average monthly card spends are less than ₹1,00,000.
- You prefer cash statement credits over travel reward point transfers.
Key Numbers
Base Reward Rate
3 RP / ₹200
Accelerated Rate
None
Forex Markup
1.50%
Joining Fee
₹10K
Annual Fee
₹5,000
Eligibility
Age: 21 - 65 Years
Requires good credit score and income proof.
Domestic Lounge
2/Quarter
Primary: Yes • Add-on: No • Guest: No
International Lounge
Priority Pass
2/Quarter
Primary: Yes • Add-on: No • Guest: No
Reward Point Mechanics
Understanding how your spends translate into real-world value is key. Here is how you earn, translate, and redeem your reward points.
Earning Blueprint
Accrual & MultipliersBase Earn Rate:3 RP / ₹200
Multipliers & Milestones:
Preferred Destinations 2x3% yield
6X Avios (6 Avios per ₹200 spent) for Point of Sale transactions at preferred international destinations.Co-brand Website Spends 1.67x2.5% yield
5X Avios (5 Avios per ₹200 spent) on Qatar Airways and British Airways websites or apps.Select Categories 0.33x0.5% yield
1X Avios (1 Avios per ₹200 spent) on utilities, government, and insurance spends.Milestone 1x
Earn 18,000 Bonus Avios on spending ₹8 Lakhs.Milestone 1x
Earn an additional 18,000 Bonus Avios (36,000 total) on spending ₹16 Lakhs.Point Translation
Value depends on how you redeemStandard Currency Point Value
1 Avios = ₹1
when redeemed for flights/travelRedemption Values:
Airlines/Hotel Miles:0.6 - 4 per pt
Flights:₹4 per pt
Hotels:0.6 - 4 per pt
1. Fees & Charges
- Joining Fee: ₹10,000 + GST
- Annual Fee: ₹5,000 + GST There are no spend-based waivers defined for the annual renewal fee.
2. Airport Lounge Access
For frequent flyers, lounge privileges provide significant comfort and savings:
- Domestic Lounges: Eligible: True (Visa Lounge Program). Complimentary Visits: 2 per quarter. Spend threshold: None.
- International Lounges: Eligible: True (Priority Pass). Complimentary Visits: 2 per quarter. Spend threshold: None.
3. Rewards Rate & Value
Optimize your spending with the card's rewards structure:
- Base Reward Rate: Earn an effective 1.5% back on general purchases.
- Point Valuation: 1 Avios = ₹1.0 value.
- Important Exclusions: Spends on Fuel do not earn standard reward points.
4. Verdict: Should You Apply?
Get it if...
- ✓ You value having lounge access on network programs.
- ✓ Your primary spending categories align with this card's reward structure.
Skip it if...
- ✗ You prefer direct cash-back over reward points or travel miles.
- ✗ Your major spending is on excluded categories like rent or utilities (Fuel).
Exclusions & Caps Warning
- Fuel transactions do not earn standard reward points, but are eligible for a 1% surcharge waiver up to ₹500/month.
- Cash advances, balance transfers, and EMI conversions do not earn reward points.
Pros & Cons
Advantages | Disadvantages |
|---|---|
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Rewards Point Calculator
Estimate your annual rewards based on your customized spending profile. Slide the bars to adjust your spends and see the total reward points earned.
Total Reward Points Earned
21,750
Points / Year
Premium Dining & Lifestyle Benefits
| Category | Privileges & Details |
|---|---|
| Travel & Lounges | Complimentary international airport lounge access (Unlimited lounges) |
| Luxury Travel Privileges | 10% discount on Qatar Airways booking using code IDSCB23 |
Redemption Sweet Spots
Best Value Redemption Strategy: Redeeming points for statement credits yields poor value. Instead, transfer points to airline/hotel loyalty programs (like Marriott Bonvoy or airline miles) to secure maximum value per point.
Cardswise Score
8.0
Rewards7/10
Travel Perks7/10
Lifestyle6/10
Value for Money7/10
Frequently Asked Questions
What is the annual fee and waiver limit of IndusInd Bank Avios Visa Infinite?
The annual fee is ₹5,000 + GST. The fee is waived if you spend ₹0 in the previous card year.
Does IndusInd Bank Avios Visa Infinite offer complimentary lounge access?
Domestic lounge: 2 per quarter (Spend requirement: None). International lounge: 2 per quarter.
What is the foreign exchange markup fee?
The card has a foreign exchange markup of 1.50%.
What is the spending limit on the card?
The card limit is determined based on your credit score, ITR/salary documents, and existing credit relationship with the issuing bank.
How do you apply for this card?
You can apply online via the issuer's portal, netbanking, or by visiting a local branch with income proof documents.
Do reward points expire?
The reward points are typically valid for 36 months.
Avios Visa Infinite
₹10,000 Joining Fee