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IndusInd Bank Avios Visa Infinite Credit Card Review 2026
India's only card earning British Airways and Qatar Airways Avios - 20,000 Avios welcome, 6 Avios/₹200 at your chosen destination, international lounge, meet-and-greet, at ₹10,000 joining.
4.1
/5
Card24 Score
Avios Earn 4
Travel 4.5
Fees 3.5
Last reviewed June 2026 · Card24.ai editorial team
Joining Fee
₹10,000 + GST (Year 1)*
Avios Earn
6 Avios/₹200*
Lounge
2 Domestic + 2 International
Milestone
18,000 bonus Avios*
Credit Card Verdict- Avios Visa Infinite Review
What we like
- 20,000 welcome Avios on joining - worth ₹20,000+ in airline redemptions at typical Avios values (GBP 0.01–0.015/Avios). On a ₹10,000 joining fee card, this is a 2:1 or better welcome return. No other card in India delivers an airline miles welcome bonus at this value-to-fee ratio
- Dual airline program flexibility: choose Qatar Airways Privilege Club OR British Airways Executive Club - and transfer Avios 1:1 between them at any time. The shared Avios currency means you're never locked into one airline for redemptions
- 8 domestic + 8 international Priority Pass lounge visits/year (2 of each per quarter) - with no spend condition. International quarterly PP access is among the most generous lounge benefits on any Indian credit card at any fee level
- 2 complimentary international airport Meet & Greet services per year - fast-track immigration, security assistance, porter, and personal escort. Available for cardholder + companion. One of the few Indian cards offering this
- Preferred destination earn rate of 6 Avios/₹200 = 3% Avios return (at ₹1/Avios) is the highest earn rate available on any Indian credit card for a chosen country. 1.5% forex at that destination simultaneously
Watch out for
- 3.5% forex everywhere except the preferred destination (1.5%). For international spend outside the chosen country, the forex is costly. The card works best as a dedicated single-country travel card, not a general international spending card
- Qatar Airways Gold status: previously bundled as a joining benefit - this has been discontinued per multiple sources (Paisabazaar June 2026, cardinsider). Verify the current status at indusind.bank.in before applying
- Online transactions at the preferred destination earn only 3 Avios/₹200 - not 6. The full 6 Avios/₹200 applies only to in-person POS transactions at the preferred international destination, not online purchases billed from that country
- Avios value depends on redemption skill - seat availability, booking windows, and programme changes affect realised value. Sophisticated users can extract ₹1–₹2+/Avios; less experienced users may get far less
*6 Avios per ₹200 on in-person POS transactions at your selected preferred international destination only (online transactions earn 3 Avios/₹200 at preferred destination). 5 Avios/₹200 on direct British Airways or Qatar Airways website purchases (choose one as preferred airline). 3 Avios/₹200 on all other domestic and international eligible spends. 1 Avios/₹200 on government, utilities, insurance. Zero Avios on fuel. Milestone: 18,000 bonus Avios at ₹8L annual spend + 18,000 at ₹16L. Lounge: 2 domestic + 2 international PP per quarter (no spend condition). Joining fee ₹10,000; annual fee ₹5,000. 1.5% forex at preferred destination; 3.5% elsewhere. T&Cs apply.
Credit Card Achievers- Avios Visa Infinite Review
Is IndusInd Bank Avios Visa Infinite Card Worth It in 2026?
Yes - for frequent flyers on Qatar Airways or British Airways who want India's strongest airline co-brand credit card. The Avios card is not for general everyday use - it is a precision tool for a specific type of traveller. If you fly QR or BA regularly, collect Avios, and have a preferred international destination where you spend consistently, the card delivers exceptional value that no alternative in India can match.
Year 1 math at ₹8L spend: ₹10,000 joining fee → 20,000 welcome Avios (worth ₹20,000–₹30,000+ in redemptions) + 18,000 milestone Avios at ₹8L + base earn on ₹8L ≈ 12,000 RP at 3 Avios/₹200 = total ≈ 50,000 Avios. At conservative ₹1/Avios, Year 1 net value = ₹50,000 against ₹10,000 joining fee. Add 8 domestic + 8 international PP lounge visits (₹20,000+ in market value), 2 international Meet & Greet services, and the 1.5% forex savings at your preferred destination - and the year's total value stack is ₹70,000–₹1,00,000.
The limitation: this card does not work well as a general international spending card. Outside the preferred destination, 3.5% forex makes it expensive. For countries outside your chosen preferred destination, BOBCARD Etihad Guest Premium - 0% forex - is the companion that eliminates all international spend cost while the Avios card handles your preferred-country flights and hotel spend.
Year 1 math at ₹8L spend: ₹10,000 joining fee → 20,000 welcome Avios (worth ₹20,000–₹30,000+ in redemptions) + 18,000 milestone Avios at ₹8L + base earn on ₹8L ≈ 12,000 RP at 3 Avios/₹200 = total ≈ 50,000 Avios. At conservative ₹1/Avios, Year 1 net value = ₹50,000 against ₹10,000 joining fee. Add 8 domestic + 8 international PP lounge visits (₹20,000+ in market value), 2 international Meet & Greet services, and the 1.5% forex savings at your preferred destination - and the year's total value stack is ₹70,000–₹1,00,000.
The limitation: this card does not work well as a general international spending card. Outside the preferred destination, 3.5% forex makes it expensive. For countries outside your chosen preferred destination, BOBCARD Etihad Guest Premium - 0% forex - is the companion that eliminates all international spend cost while the Avios card handles your preferred-country flights and hotel spend.
The IndusInd Avios Visa Infinite is India's best airline co-brand card - 50,000+ Avios in Year 1, 8 international lounges, meet-and-greet, and BA+QR flexibility on a single ₹10,000 joining fee Visa Infinite metal card.
IndusInd Avios Visa Infinite Credit Card Benefits
How to Get the Most Out of IndusInd Bank Avios Visa Infinite Card
The preferred destination choice is the single most important decision - it cannot be changed for 1 full card anniversary year. Choose the country where you spend the most on international trips. UK (for LHR + business travel), UAE (for Dubai stopover spend), USA (for New York/LA business), or France (for Europe trips) are popular choices. Avoid choosing countries you visit rarely - the 6 Avios/₹200 POS rate only applies there. Call IndusInd to confirm the current list of available preferred destinations before applying.
20,000 Avios in British Airways Executive Club can cover a one-way business class redemption on short European routes (London to Paris = 7,500 Avios; London to Amsterdam = 4,500 Avios one-way). In Qatar Airways Privilege Club, 20,000 Avios covers Economy class India-Middle East return. Avios are most valuable in premium cabins on BA's short-haul Avios chart - always redeem at the highest cabin level you can access.
₹8L annual spend (₹66,667/month) unlocks 18,000 bonus Avios - the first milestone. Route all eligible business expenses, hotel bookings, and travel through the Avios card. The base 3 Avios/₹200 on ₹8L earns another 12,000 Avios. Total at ₹8L: 20,000 welcome + 18,000 milestone + 12,000 base = 50,000 Avios. At ₹16L, add another 18,000 milestone + 12,000 base = 80,000 Avios.
The 2 complimentary international airport Meet & Greet services (cardholder + companion) are most valuable at high-traffic international airports: Dubai (DXB), Doha (DOH), London Heathrow (LHR), and Singapore (SIN). At these airports, Meet & Greet eliminates immigration queues (30–60 minutes in economy) and provides personal escort. Plan your two most important annual international trips to use this benefit.
The Avios card charges 3.5% forex everywhere outside your preferred destination - expensive for multi-country travellers. For international spend in countries that aren't your preferred destination, BOBCARD Etihad Guest Premium provides 0% forex markup, eliminating the entire foreign exchange cost. Use Avios card at your preferred destination; Etihad Guest Premium everywhere else internationally.
20,000 Avios in British Airways Executive Club can cover a one-way business class redemption on short European routes (London to Paris = 7,500 Avios; London to Amsterdam = 4,500 Avios one-way). In Qatar Airways Privilege Club, 20,000 Avios covers Economy class India-Middle East return. Avios are most valuable in premium cabins on BA's short-haul Avios chart - always redeem at the highest cabin level you can access.
₹8L annual spend (₹66,667/month) unlocks 18,000 bonus Avios - the first milestone. Route all eligible business expenses, hotel bookings, and travel through the Avios card. The base 3 Avios/₹200 on ₹8L earns another 12,000 Avios. Total at ₹8L: 20,000 welcome + 18,000 milestone + 12,000 base = 50,000 Avios. At ₹16L, add another 18,000 milestone + 12,000 base = 80,000 Avios.
The 2 complimentary international airport Meet & Greet services (cardholder + companion) are most valuable at high-traffic international airports: Dubai (DXB), Doha (DOH), London Heathrow (LHR), and Singapore (SIN). At these airports, Meet & Greet eliminates immigration queues (30–60 minutes in economy) and provides personal escort. Plan your two most important annual international trips to use this benefit.
The Avios card charges 3.5% forex everywhere outside your preferred destination - expensive for multi-country travellers. For international spend in countries that aren't your preferred destination, BOBCARD Etihad Guest Premium provides 0% forex markup, eliminating the entire foreign exchange cost. Use Avios card at your preferred destination; Etihad Guest Premium everywhere else internationally.
IndusInd Avios Fees, Annual Fee Waiver & LTF Offer
| Joining Fee | ₹10,000 + GST |
| Annual Renewal Fee | ₹5,000 + GST (from Year 2 onwards) |
| Forex Markup | 1.5% at selected preferred international destination (POS and online) |
Avios Visa Infinite Credit Card Eligibility & Documents
Age 18–75 years
Minimum annual income No officially published minimum income for Avios Visa Infinite. IndusInd Bank assesses holistically. Given the ₹10,000 joining fee and Visa Infinite product tier, expect income review consistent with premium product eligibility.
Documents required Aadhaar · PAN · Income proof (salary slips / ITR) · Address proof
Residency Indian residents
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for Avios Visa Infinite Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
How to Apply for IndusInd Bank Avios Visa Infinite Credit Card - Online via IndusInd Bank website. Takes 10–15 minutes.
2
Enrol in Avios Loyalty Program - First. Before applying, join either Qatar Airways Privilege Club (qatarairways.com/in) or British Airways Executive Club (ba.com) - you'll need your membership number for the application.
3
Apply Online - Visit indusind.bank.in → Cards → Credit Cards → Avios Visa Infinite → Apply Now. Enter PAN, mobile, income details. Select preferred loyalty program and preferred international destination during the application.
4
KYC + Assessment - Complete Aadhaar digital KYC or video KYC. IndusInd Bank assesses income and credit profile. Decision typically within 72 hours.
5
Card Dispatch - Premium metal Visa Infinite Avios card dispatched in 7–10 working days. Activate via IndusInd Mobile Banking app or call 1860 267 7777.
*T&C Apply
Frequently Asked Questions
IndusInd Avios Visa Infinite is India's only multi-airline co-branded credit card - earning Avios for both Qatar Airways Privilege Club and British Airways Executive Club (choose one; transfer 1:1 between them). Joining fee ₹10,000; annual ₹5,000. Welcome: 20,000 Avios. Earn up to 6 Avios/₹200. 8+8 domestic and international PP lounge visits/year. 2 international Meet & Greet/year. Visa Infinite metal card.
6 Avios/₹200 on in-person POS at your selected preferred international destination. 3 Avios/₹200 on online transactions at preferred destination. 5 Avios/₹200 on direct BA or QR website purchases. 3 Avios/₹200 on all other domestic and international spends. 1 Avios/₹200 on government, utilities, insurance. Zero on fuel. Milestone: 18,000 bonus at ₹8L + 18,000 at ₹16L annual spend.
Yes. At application, choose either Qatar Airways Privilege Club or British Airways Executive Club as your preferred programme. This determines which airline earns 5 Avios/₹200 on direct bookings. Avios are the shared currency of both programmes - transfer 1:1 between QR and BA accounts at any time, regardless of which you chose at application. You are not permanently locked into one airline.
2 domestic airport lounge visits + 2 international Priority Pass lounge visits per calendar quarter - total 8+8=16 lounge visits per year. No spending condition on either. Simply present IndusInd Avios card at domestic lounges and Priority Pass card at international lounges. This is among the most generous lounge benefit structures on any Indian credit card in 2026.
2 complimentary international airport Meet & Greet services per card year - for cardholder plus one companion. Service includes fast-track immigration, security assistance, baggage porter, and personal escort. Available at select international airports worldwide. Book via IndusInd concierge. Most valuable at high-traffic airports: Dubai DXB, Doha DOH, London LHR.