IndusInd Bank · with Avios Group (AGL) and Qatar Airways; airline programme chosen at application: Qatar Airways Privilege Club or British Airways Executive ClubVisaLast checked 12 Oct 2026
The IndusInd Avios Visa Infinite Credit Card costs Rs 5,000 a year. The forex markup is 1.5%. Lounge visits in India: 2 per calendar quarter. Abroad: 2 per calendar quarter via Priority Pass, outside India. Read from the issuer's documents and an aggregator on 12 Oct 2026.
20,000 bonus Avios, credited 15 days after the joining fee is received; 5,000 bonus Avios on payment of the renewal fee
Reward currency
Avios
Base earnunverified
1 Avios per Rs 200 on other domestic and international spend (aggregator figure; the values in the issuer earn table did not come through in the fetched page text)
Point value
Avios are credited to the chosen airline account about 10 days after statement generation and redeemed under that airline programme's rules; no cash redemption
Accelerated earnunverified
Per Rs 200: 6 Avios on point-of-sale spend at the chosen preferred international destination; 3 Avios on online spend at that destination (issuer page). Qatar Airways / British Airways website and app is a separate row whose value did not come through; the page links 'terms and conditions on 5 Avios' and the aggregator says 5
Caps
Avios earned only on spends up to the assigned credit limit in each statement cycle
Spends that earn nothingunverified
No Avios on fuel. Utilities, government services, education and insurance form a separate lower-earn row (value not in fetched text; aggregator: 1 Avios per Rs 200)
Points expiry
Per airline programme rules
Milestone benefits
18,000 bonus Avios after the first Rs 8,00,000 of spend in a year and 18,000 after the second Rs 8,00,000 (max 36,000 a year)
Reward notes
base_return_pct left null: Avios have no fixed rupee value. Issuer page confirms 6 and 3 Avios per Rs 200 at the preferred destination; the other earn rows are unreadable in the fetched text.
Transfers
Partners
Qatar Airways Privilege Club, British Airways Executive Club
Ratio
Direct earn in Avios; airline programme chosen at application
Travel and perks
Domestic lounge
2 per calendar quarter
International lounge
2 per calendar quarter via Priority Pass, outside India
Lounge conditions
Priority Pass card issued on request. Visits beyond 2 a quarter, all guest visits, and any Priority Pass use within India are charged up to USD 35
Forex markup
1.5%
Fuel surcharge waiver
1% waiver at any fuel station in India; MITC: 1% + GST fee above Rs 50,000 fuel spend per cycle
Other freebies
2 complimentary airport meet-and-greet services a year at leading international airports; international travel health insurance up to USD 25,000 (ticket bought on the card, age up to 65, trips up to 60 days); travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); up to 10% off Qatar Airways flights from India for Privilege Club members; concierge and elderly care assist (services at cost); metal card; Visa Infinite offers; no cash advance fee and no rent surcharge (MITC)
Charges and eligibility
Interest per month
3%
Late payment fee
By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300
Cash advance fee
Waived
Fine-print notes
Issuer product page read as plain text on 2026-10-12; fields updated from it. Forex markup is 1.5% only on point-of-sale transactions at the one preferred international destination chosen at application (page); 3.5% elsewhere (issuer MITC). Preferred destination can be changed after a card anniversary year. Destination groups: Americas; Europe and North Asia; Middle East and South Asia; Africa; Australia, New Zealand, Far East and others. CONFLICTS (issuer page used; old value and source): other_freebies: old 'air accident cover Rs 25 lakh' (Card Insider); page states a USD 25,000 international travel health cover instead and no Rs 25 lakh cover | accelerated_earn: old said 3 Avios on 'other eligible spend'; page ties 3 Avios to online spend at the preferred destination. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver range Rs 500-10,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).
Questions
What is the annual fee of the IndusInd Avios Visa Infinite Credit Card?
Rs 5,000 a year, before GST.
Does the IndusInd Avios Visa Infinite Credit Card give airport lounge access?
Yes. In India: 2 per calendar quarter. Outside India: 2 per calendar quarter via Priority Pass, outside India. Conditions: Priority Pass card issued on request. Visits beyond 2 a quarter, all guest visits, and any Priority Pass use within India are charged up to USD 35
What is the forex markup on the IndusInd Avios Visa Infinite Credit Card?
1.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IndusInd Avios Visa Infinite Credit Card?
No Avios on fuel. Utilities, government services, education and insurance form a separate lower-earn row (value not in fetched text; aggregator: 1 Avios per Rs 200)