Showing 4 cards
Best for: Frequent British Airways/Qatar Airways travelers with high international spend
Avios Visa Infinite (British Airways)
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on IndusInd Bank's website
Annual fee
₹5,000
#266Rewards rate
₹0.32 - ₹1.95/₹100
#159Joining fee
₹10,000
#275Interest rate
36.00%
#45 Card details
Forex Markup
1.50%
#18
Domestic Lounge
2/year
#92
Min Credit Score
750+
#186
Categories Airline Co-branded, Lounge Access, Miles/Travel Rewards, Premium, Travel
CardNitty's take
Pros
- 20,000 Avios welcome bonus on card activation
- Up to 36,000 milestone bonus Avios annually
- 6X Avios at preferred international destinations
- 5X Avios on British Airways and Qatar Airways bookings
- Low 1.5% forex markup at preferred destinations
- International meet & greet at 30+ major airports
- Priority Pass with 8 lounge visits per year
- Comprehensive travel insurance (USD 25,000 medical)
- 24/7 concierge with elderly care assistance
- 10% discount on Qatar Airways flights
- Fuel surcharge waiver of 1% (uncapped)
- Metal card with premium design
Cons
- High joining fee of Rs.10,000 despite reduction
- Limited to British Airways and Qatar Airways Avios only
- Requires Rs.16 lakh annual spend for full milestone benefits
- Air accident insurance discontinued from Dec 2025
- Qatar Gold membership benefit removed
- Priority Pass limited to 2 visits per quarter
- Low base earning rate (1 Avios per Rs.200)
- High taxes and surcharges on Avios redemptions
- Complex eligibility criteria
- Customer service issues reported by users
Best for: Frequent Emirates flyers, international travelers, golf enthusiasts
Emirates World Credit Card
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on Standard Chartered's website
Annual fee
₹3,000
#248Rewards rate
₹1.40 - ₹2.80/₹100
#112Joining fee
₹3,000
#248Interest rate
45.00%
#244 Card details
Forex Markup
3.50%
#75
Domestic Lounge
Unlimited
#1
Min Credit Score
750+
#186
Min Monthly Income ₹50
Categories Airline Co-branded, Lounge Access, Miles/Travel Rewards, Travel
CardNitty's take
Pros
- 4,000 welcome bonus Skywards miles on activation
- 1,500 renewal bonus Skywards miles annually
- 6 Skywards miles per Rs.150 on Emirates transactions (4% return)
- 3 Skywards miles per Rs.150 on all other spends (2% return)
- Automatic monthly transfer of miles to Emirates Skywards account
- 2 Priority Pass lounge visits per month on Rs.10K spend
- 25+ domestic lounge access via Mastercard program
- 5% cashback on duty-free shopping (max Rs.1,000/month)
- 1 free golf lesson per month + 50% discount on games
- 4 complimentary green fees per calendar year
- Rs.1 Crore air accident insurance for overseas travel
- Comprehensive travel insurance (flight delay, baggage, hijacking)
Cons
- High annual fee of Rs.3,000 with no waiver option
- Limited to Emirates Skywards miles only
- Requires Rs.10,000 monthly spend for lounge access
- High forex markup at 3.5% + GST
- Low base earning rate (3 miles per Rs.150 = 2%)
- Priority Pass limited to 2 visits per month
- Golf benefits restricted to 1 green fee per month
- High interest rate at 45% p.a.
- No milestone benefits beyond renewal bonus
- Limited value for non-Emirates flyers
Best for: Discontinued card - existing cardholders only (historical reference)
InterMiles Odyssey Visa
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on IndusInd Bank's website
Annual fee
₹4,000
#257Rewards rate
₹0.90 - ₹2.40/₹100
#138Joining fee
₹10,000
#275Interest rate
46.00%
#260 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Min Monthly Income ₹25
Categories Discontinued, Lounge Access, Miles/Travel Rewards, Premium, Travel
CardNitty's take
Pros
- 15,000 welcome InterMiles + vouchers worth Rs.3,000
- 5,000 renewal bonus InterMiles annually
- Up to 8 InterMiles per Rs.100 on weekend bookings
- 6 InterMiles per Rs.100 on flights & hotels (weekdays)
- 4 InterMiles per Rs.100 on weekend retail spends
- Priority Pass membership with access to 600+ lounges
- 2 complimentary Visa lounge visits per quarter
- Complimentary air accident insurance up to Rs.25 lakhs
- 24/7 concierge and auto assist services
- 1% fuel surcharge waiver across India
- BookMyShow 1+1 movie ticket offer (2 tickets/month)
- Travel insurance: lost baggage, delayed baggage
- Zero liability on unauthorized transactions
- Add-on cards at no cost
Cons
- Card discontinued as of August 2024
- High joining fee of Rs.10,000 + GST (Rs.11,800 total)
- Annual fee of Rs.4,000 + GST (Rs.4,720 total)
- InterMiles earning capped at 75,000 per year
- Uncapping fee of Rs.10,000 + GST is very expensive
- High interest rate of 46% annually (3.83% p.m.)
- InterMiles value lower than airline miles (0.25-0.40)
- Rewards discontinued effective Jan 2025
- No complimentary Priority Pass lounge visits (cost included)
- Limited to InterMiles redemption options only
- High forex markup of 3.5%
- Minimum income requirement
Best for: Discontinued card - existing cardholders only (historical reference)
InterMiles Voyage Visa
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,000
#221Rewards rate
₹0.60 - ₹1.80/₹100
#160Joining fee
₹2,000
#223Interest rate
36.00%
#45 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Discontinued, Lounge Access, Miles/Travel Rewards, Travel
CardNitty's take
Pros
- 2,000 welcome InterMiles + discount vouchers
- 2,500 renewal bonus InterMiles annually
- Up to 6 InterMiles per Rs.100 on weekend bookings
- 4 InterMiles per Rs.100 on flights & hotels (weekdays)
- Priority Pass membership included
- Access to 600+ international airport lounges
- Complimentary air accident insurance up to Rs.25 lakhs
- 1 golf game + 1 golf lesson per quarter
- BookMyShow 1+1 movie ticket offer
- 1% fuel surcharge waiver (Rs.400-4,000)
- Zero liability on unauthorized transactions
- Golf privileges at 7 major cities
- Add-on cards at no cost
Cons
- Card discontinued as of August 2024
- InterMiles earning capped at 50,000 per year
- Uncapping fee of Rs.7,500 + GST is expensive
- USD 27 fee per Priority Pass lounge visit
- No complimentary Priority Pass lounge visits
- Fuel surcharge waiver limited to Rs.4,000
- InterMiles value lower than airline miles (0.25-0.40)
- Fuel spends above Rs.50,000 charged 1% + GST
- Rewards discontinued effective Jan 2025
- Limited to InterMiles redemption options only
- No waiver on annual fee for most cardholders