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Avios Visa Infinite (British Airways)

IndusInd Bank
|
Airline Co-branded Lounge Access Miles/Travel Rewards Premium Travel

Annual Fee

₹5,000

Rewards/₹100 ⓘ

₹0.32 - ₹1.95

Normalized to balance base rate with bonus categories

Interest Rate

36.00%

Credit Score

750+

At a Glance

Key Benefits

20K welcome + 36K milestone Avios, 6X international, 5X on BA/QR, 1.5% forex, USD 25K travel insurance

Lounge Access

2 domestic + 2 international (Priority Pass) per quarter, meet & greet at 30+ airports

Eligibility

Age: 21-65 years, Income: Rs.1L+/month, Credit Score: 750+, Resident of India

Quick Details

Annual Fee
₹5,000 #266
Joining Fee
₹10,000 #275
Interest Rate
36.00% p.a. #45
Forex Markup
1.50% #18
Rewards/₹100
₹0.32 - ₹1.95 #159
Reward Type Reward Points
Reward Currency Miles
Domestic Lounge Visits
2/year #92
Min Credit Score
750+ #186
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee ₹100
Over Limit Fee ₹600
Cash Advance Fee ₹500 2.50% (min ₹500)

Reward Structure

Base

All Spends

₹0.33 /₹100
Cat

Custom/Partner

₹0.33 /₹100
Partner

Online Purchases (Domestic)

₹0.98 /₹100
Partner

British Airways & Qatar Airways Website/App

₹1.63 /₹100
Partner

Preferred International Destinations (POS)

₹1.95 /₹100

Reward Calculator

₹
Allocate by Category 100%
Custom/Partner
0.5 pts
35% ₹0
Online Purchases (Domestic)
1.5 pts
25% ₹0
British Airways & Qatar Airways Website/App
2.5 pts
20% ₹0
Preferred International Destinations (POS)
3.0 pts
12% ₹0
Other Spends
0.5 pts
8% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

20,000 Avios welcome bonus (worth approx Rs.13,000)

₹13,000

value

Renewal Benefit

5,000 Avios on annual fee payment

₹3,250

value

Milestone

18,000 bonus Avios on Rs.8 lakh annual spend

Spend ₹8,00,000 within 365 days

₹11,700

value

Milestone

18,000 bonus Avios on second Rs.8 lakh annual spend (Rs.16 lakh total)

Spend ₹16,00,000 within 365 days

₹11,700

value

Airport Lounge Access

Domestic Free
2

visits per quarter

Priority Pass Free
2

visits per quarter

Insurance Coverage

Travel

₹18,75,000

Overseas medical emergency coverage USD 25,000 when ticket booked with card, max 60 days per trip, age up to 65 years

Lost Baggage

₹1,00,000

Lost baggage cover when traveling on tickets booked with card

Delayed Baggage

₹25,000

Delayed baggage compensation for flight tickets booked with card

Lost Passport

₹50,000

Loss of passport cover during international travel

Lost Card

₹25,000

Lost ticket and missed flight connection cover

Lifestyle Perks

Concierge

1

24/7 Visa Infinite Concierge for travel, dining, events, and elderly care assistance

Meet Greet

2 /year

Complimentary meet & greet at 30+ international airports including London, Dubai, Singapore

Dining

Premium dining privileges and discounts at partner restaurants

Custom

1

10% discount on Qatar Airways flight bookings from India

Custom

1

25% discount on airport fast-track immigration at 450+ destinations (Visa Infinite)

Custom

1

20% off luxury airport transfer services in key cities globally (Visa Infinite)

Custom

1

1% fuel surcharge waiver uncapped (Rs.500-10,000 transactions)

Quick Analysis

The IndusInd Bank Avios Visa Infinite is ideal for frequent British Airways and Qatar Airways travelers who can maximize the 6X Avios earning at preferred international destinations and leverage the 36,000 annual milestone bonus. The April 2025 fee reduction makes it more accessible, but the Rs.16 lakh spending requirement and restriction to only two airline programs limit its appeal. Best suited for business travelers with high international spending who regularly fly with BA or QR.

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 British Airways/Qatar Airways travelers with high international spend

Not Ideal For

Domestic-only travelers or those seeking flexible reward redemptions

Frequently Asked Questions

What airlines can I earn and redeem Avios with this card?
You can earn Avios and redeem them with British Airways Executive Club or Qatar Airways Privilege Club. You choose your preferred program at card activation. Avios can be used for flights, upgrades, hotel stays, car rentals, and experiences with either airline and their partners.
What is the welcome bonus and how do I get it?
You receive 20,000 bonus Avios (worth approximately Rs.13,000) upon card activation. The welcome bonus Avios are credited within 15 days of receipt of the joining fee. Additionally, you get 5,000 bonus Avios on paying your annual renewal fee.
How do I earn the 36,000 milestone bonus Avios?
You earn 18,000 bonus Avios after your first Rs.8 lakh spending in a year, and another 18,000 bonus Avios after your second Rs.8 lakh spending (total Rs.16 lakh). This gives you a maximum of 36,000 milestone bonus Avios annually, credited within 15 days of achieving each milestone.
What is the Avios earning rate and which spends earn the most?
You earn 6 Avios per Rs.200 (3% return) at preferred international destinations (POS transactions), 5 Avios per Rs.200 on British Airways/Qatar Airways website/app bookings, 3 Avios per Rs.200 on other online purchases, and 1 Avios per Rs.200 on utilities and domestic transactions. Fuel purchases do not earn Avios.
What is the forex markup and which are the preferred destinations?
The card charges only 1.5% forex markup at preferred international destinations and 3.5% at other destinations. Preferred destinations include popular travel locations where you can benefit from the lower forex fee. Contact IndusInd Bank for the complete list of preferred destinations.
What lounge access benefits are included?
You get complimentary Priority Pass membership with 2 international lounge visits per quarter (8 per year) and 2 domestic lounge visits per quarter (8 per year). Additional Priority Pass visits beyond the 2 quarterly visits will incur a fee of $27 per visit.
What are the meet & greet services included?
The card offers 2 complimentary international meet & greet services per year at 30+ leading international airports including London Heathrow, Dubai, Singapore, Toronto, and Newark. Services include assistance with check-in, security, immigration, baggage handling, and porter assistance.
What travel insurance coverage is provided?
The card includes USD 25,000 overseas medical emergency coverage, Rs.1 lakh lost baggage cover, Rs.25,000 delayed baggage cover, Rs.50,000 loss of passport cover, and Rs.25,000 for lost tickets or missed connections. Coverage applies when tickets are booked with the card, for trips up to 60 days, and for cardholders up to 65 years. Note: Air accident insurance was discontinued from December 21, 2025.
What are the concierge services available?
You get 24/7 Visa Infinite Concierge services for travel planning, hotel and dining reservations, event ticketing, and gift delivery. A unique feature is elderly care assistance for family members in India while you travel, including home care, OPD appointments, healthcare packages, diagnostic tests, and teleconsultations.
What is the eligibility criteria and how do I apply?
You must be 21-65 years old, a resident of India, have a minimum monthly income of Rs.1 lakh (indicative for premium cards), maintain a credit score of 750+, and demonstrate a strong credit history. Apply online through IndusInd Bank website or call 1860 267 7777 for assistance.

User Reviews

Our Rating

3.7
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on IndusInd Bank's website

Rating Breakdown

Rewards
3.8/5 Top 55%
Benefits
4.4/5 Top 14%
Fees
3.1/5 Top 90%
Value for Money
4.1/5 Top 11%
User Reviews
3.0/5 Top 50%

Important Links

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