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InterMiles Odyssey Visa

IndusInd Bank
|
Discontinued Lounge Access Miles/Travel Rewards Premium Travel

Annual Fee

₹4,000

Rewards/₹100 ⓘ

₹0.90 - ₹2.40

Normalized to balance base rate with bonus categories

Interest Rate

46.00%

Credit Score

750+

At a Glance

Key Benefits

15K welcome + 5K renewal InterMiles, 8X on weekend bookings, Priority Pass, Rs.25L insurance, concierge

Lounge Access

2 complimentary Visa lounge visits/quarter + Priority Pass membership (600+ lounges, fees apply)

Eligibility

Age: 18-65 years, Income: Rs.25K+/month, Credit Score: 750+, Indian resident

Quick Details

Annual Fee
₹4,000 #257
Joining Fee
₹10,000 #275
Interest Rate
46.00% p.a. #260
Forex Markup
3.50% #75
Rewards/₹100
₹0.90 - ₹2.40 #138
Reward Type Reward Points
Reward Currency Miles
Min Credit Score
750+ #186
Min Monthly Income ₹25
Network VISA
Card Replacement Fee 100
Late Payment Fee ₹500
Over Limit Fee ₹500 2.50% (min ₹500)
Cash Advance Fee ₹250 2.50% (min ₹250)
Card Replacement Fee ₹100

Reward Structure

Base

Weekday Spends

₹0.90 /₹100
Accel

Weekend Spends (Sat-Sun)

₹1.20 /₹100
Partner

Flights via intermiles.com (Weekdays)

₹1.80 /₹100
Partner

Hotels via interbook.intermiles.com (Weekdays)

₹1.80 /₹100
Partner

Amazon via intermiles.com

₹1.80 /₹100
Partner

Flights via intermiles.com (Weekends)

₹2.40 /₹100
Partner

Hotels via interbook.intermiles.com (Weekends)

₹2.40 /₹100

Reward Calculator

₹
Allocate by Category100%
Weekend Spends (Sat-Sun)
4.0 pts
25%₹12,500
Flights via intermiles.com (Weekdays)
6.0 pts
20%₹10,000
Hotels via interbook.intermiles.com (Weekdays)
6.0 pts
18%₹9,000
Amazon via intermiles.com
6.0 pts
15%₹7,500
Flights via intermiles.com (Weekends)
8.0 pts
10%₹5,000
Hotels via interbook.intermiles.com (Weekends)
8.0 pts
7%₹3,500
Other Spends
3.0 pts
5%₹2,500
Your Rewards
Points Earned2,845
Cash Value₹854
Breakdown
Weekend Spends (Sat-Sun)500
Flights via intermiles.com (Weekdays)600
Hotels via interbook.intermiles.com (Weekdays)540
Amazon via intermiles.com450
Flights via intermiles.com (Weekends)400
Hotels via interbook.intermiles.com (Weekends)280
Other Spends75
Total Value₹854
Quick amounts:

Milestone Benefits

Welcome Bonus

15,000 bonus InterMiles (worth approx Rs.4,500) + Rs.1,000 flight discount voucher + Rs.2,000 hotel discount voucher on paying joining fee

₹7,500

value

Renewal Benefit

5,000 bonus InterMiles (worth approx Rs.1,500) + Rs.1,000 flight discount voucher + Rs.2,000 hotel discount voucher on annual renewal

₹2,500

value

Airport Lounge Access

Visa Free
2

visits per quarter

Priority Pass
0

visits per year

Insurance Coverage

Air Accident

₹25,00,000

Complimentary personal air accident insurance cover up to Rs.25 lakhs for primary and add-on cardholders when tickets booked with card

Lost Baggage

₹1,00,000

Lost baggage cover up to Rs.1 lakh when traveling on tickets booked with card

Delayed Baggage

₹25,000

Delayed baggage compensation up to Rs.25,000 for flight tickets booked with card

Lost Passport

₹50,000

Loss of passport cover up to Rs.50,000 during international travel

Lost Card

₹25,000

Lost ticket and missed flight connection cover up to Rs.25,000

Fraud Protection

₹0

Total Protect: Zero liability protection if card loss reported within 48 hours. Coverage for unauthorized transactions, counterfeit fraud, and stolen card details up to credit limit.

Lifestyle Perks

Concierge

1

24/7 concierge services for travel planning, hotel bookings, flight bookings, and entertainment assistance

Movie

2 /month

BookMyShow 1+1 movie ticket offer (Buy 1 Get 1 Free) - up to 2 free tickets per month

Custom

1

1% fuel surcharge waiver at all fuel stations across India (no upper limit mentioned)

Custom

1

Auto Assist: 24/7 roadside assistance including emergency fuel, towing, mechanical repair, flat tire assistance

Custom

1

InterMiles earning capped at 75,000 per year. Uncapping fee: Rs.10,000 + GST for unlimited earning

Custom

1

Add-on cards available at no additional cost (up to 3 cards)

Custom

1

Complimentary InterMiles frequent fliers program membership

Custom

1

InterMiles Silver Tier Match in the first year of enrollment

Custom

1

2.5X bonus InterMiles + 10% discount on Etihad Airways bookings via intermiles.com

Quick Analysis

The IndusInd InterMiles Odyssey Visa was a premium travel miles card offering up to 8 InterMiles per Rs.100 on weekend flight and hotel bookings, along with Priority Pass membership, travel insurance, and concierge services. However, the card was discontinued in August 2024 when IndusInd Bank ended its partnership with InterMiles. The 75,000 InterMiles annual cap and high fees limited its value proposition. For existing cardholders, the card served well for frequent travelers with high spending, but the discontinuation and reward program ending in January 2025 means cardholders should consider alternative travel cards.

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)

Not Ideal For

New applicants - card no longer available

Frequently Asked Questions

Is the IndusInd InterMiles Odyssey card still available?
No, the IndusInd InterMiles Odyssey Visa Credit Card was discontinued in August 2024 when IndusInd Bank concluded its partnership with InterMiles. New applications are no longer accepted. This information is maintained for existing cardholders and historical reference only.
What happened to the InterMiles rewards program?
As of January 21, 2025, reward points redemption towards InterMiles for all IndusInd Bank Credit Cards has been discontinued. Existing cardholders should redeem their accumulated InterMiles before the program ends or switch to alternative cards.
What are the joining and annual fees?
The joining fee is Rs.10,000 + GST (Rs.11,800 total) and annual fee is Rs.4,000 + GST (Rs.4,720 total). InterMiles Silver Tier members may receive fee waivers. Add-on cards are available at no additional cost (up to 3 cards).
How many InterMiles do I earn on different categories?
On weekdays (Mon-Fri): 6 InterMiles per Rs.100 on flights via intermiles.com, hotels via interbook.intermiles.com, and Amazon via intermiles.com; 3 InterMiles per Rs.100 on other categories. On weekends (Sat-Sun): 8 InterMiles per Rs.100 on flights and hotels, 4 InterMiles per Rs.100 on other categories. Earning is capped at 75,000 InterMiles per year unless you pay an uncapping fee of Rs.10,000 + GST.
What are the welcome and renewal benefits?
Welcome benefits (on paying joining fee): 15,000 bonus InterMiles + Rs.1,000 flight discount voucher + Rs.2,000 hotel discount voucher. Renewal benefits (on paying annual fee): 5,000 bonus InterMiles + Rs.1,000 flight discount voucher + Rs.2,000 hotel discount voucher. These vouchers are for bookings on intermiles.com and interbook.intermiles.com.
What is the InterMiles earning cap and uncapping fee?
You can earn up to 75,000 InterMiles per year. To continue earning beyond this limit, you must pay an uncapping annual fee of Rs.10,000 + GST. This fee enables unlimited InterMiles earning for the rest of the year. Fuel and utility transactions earn InterMiles at base rates regardless of weekday/weekend.
Does the card offer complimentary lounge access?
Yes, the card provides 2 complimentary Visa airport lounge visits per quarter (8 per year). Additionally, you receive complimentary Priority Pass membership providing access to 600+ international airport lounges worldwide. However, Priority Pass lounge visits may incur usage fees (typically USD 27 per visit) unless included in a travel package.
What insurance coverage is provided?
The card provides comprehensive insurance: (1) Air accident insurance up to Rs.25 lakhs for primary and add-on cardholders, (2) Lost baggage cover up to Rs.1 lakh, (3) Delayed baggage compensation up to Rs.25,000, (4) Loss of passport cover up to Rs.50,000, (5) Lost ticket and missed connection cover up to Rs.25,000, and (6) Total Protect zero liability protection if card loss reported within 48 hours.
What are the concierge and auto assist services?
The card offers 24/7 concierge services for travel planning, hotel and flight bookings, entertainment assistance, and gift delivery. Auto Assist provides 24/7 roadside assistance including emergency fuel delivery, towing services, mechanical repair assistance, flat tire change, and lockout services across India.
What is the fuel surcharge waiver benefit?
The card offers a 1% fuel surcharge waiver at all fuel stations across India. Unlike some cards with transaction limits, this benefit appears to have no mentioned upper limit. However, fuel transactions do not earn InterMiles as they are excluded from the rewards program.
What are the BookMyShow benefits?
Cardholders enjoy a Buy 1 Get 1 Free offer on movie ticket bookings on BookMyShow, allowing you to get up to 2 complimentary tickets per month. This means you can get one free movie ticket for every ticket purchased, subject to BookMyShow terms and conditions and availability.
What are the interest rate and forex charges?
The card has an interest rate of 3.83% per month (46% annually) on outstanding balances. The forex markup is 3.5% on all international transactions. Interest is calculated daily from the transaction date until repayment. To avoid interest charges, pay your full statement balance by the due date.
What is the eligibility criteria for this card?
Applicants must be 18-65 years old, Indian citizens or residents with a stable income source (salaried or self-employed), minimum monthly income of Rs.25,000, and a good credit score (750+). Required documents include identity proof (Aadhaar/PAN/Passport), address proof (utility bill/Passport/Voter ID), and income proof (salary slips/bank statements/IT returns). Clean credit history is mandatory.
What are the Etihad Airways benefits?
Cardholders receive 2.5X bonus InterMiles and up to 10% discount when booking tickets on Etihad Airways from intermiles.com. This provides enhanced value for Etihad flyers beyond the standard InterMiles earning rates. The bonus applies to both weekday and weekend bookings.

User Reviews

Our Rating

3.6
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on IndusInd Bank's website

Rating Breakdown

Rewards
4.0/5 Top 47%
Benefits
4.3/5 Top 10%
Fees
2.5/5 Top 84%
Value for Money
4.0/5 Top 15%
User Reviews
3.0/5 Top 50%

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