← Part of IndusInd Credit Cards in India
The IndusInd Bank Avios Visa Infinite Credit Card, launched in July 2023, is a co-branded travel card with Qatar Airways and British Airways. As of January 2026, new cardholders can earn up to 40,000 Avios as a welcome bonus under promotional offers.
| Parameter | Details |
|---|---|
| Card Type | Co-branded travel credit card |
| Issuing Bank | IndusInd Bank |
| Card Network | Visa Infinite |
| Airline Partners | Qatar Airways and British Airways |
| Reward Currency | Avios (shared for Qatar Airways Privilege Club and British Airways Executive Club) |
| Joining Fee | ₹10,000 plus taxes (as of 2026) |
| Welcome Bonus (Standard) | 20,000 Avios (credited within 15 days of fee payment and activation) |
| Welcome Bonus (Jan 2026 Promo) | 40,000 Avios (20,000 standard + 20,000 additional for Qatar Airways-linked cards, credited by April 15, 2026) |
| Foreign Currency Markup (Preferred Destination) | 1.5% (plus taxes) |
| Foreign Currency Markup (Elsewhere) | 3.5% (plus taxes) |
| Cash Advance Charges | Currently waived (as per card MITC) |
| Reward Redemption Fees | No |
| Eligibility Age | 18 years to 75 years |
| Eligibility Criteria | Strong credit history, regular source of income, resident of India |
| Minimum Monthly Income (Salaried) | ₹20,000 |
| Application Process | Online via IndusInd Bank website or at a branch, with instant video KYC |
| Application Deadline (Jan 2026 Promo) | January 31, 2026 |
| Card Issuance Time | 7–10 working days after document verification |
| Overseas Medical Insurance Cover | $25,000 |
| Air Accident Insurance Cover | ₹25 lakh |
| Complimentary Domestic Lounge Visits | 2 per calendar quarter |
| Complimentary International Meet & Greet Services | 2 per year (e.g., Dubai Arrivals/Departures) |
| Priority Pass Membership | Complimentary (usage charges up to USD 35 apply for more than 2 international lounge visits per quarter) |
| Airport Fast Track Immigration Discount | 25% at over 450 destinations worldwide |
| Airport Transfer Service Discount | 20% in major cities worldwide |
This card is designed for frequent international travelers, offering substantial Avios earning potential and premium travel benefits, including insurance covers and lounge access.
Avios Visa Infinite: Features & Benefits
The IndusInd Bank Avios Visa Infinite Credit Card offers a welcome bonus of 20,000 Avios upon successful payment of the joining fee and card activation. As of January 2026, a promotional offer provides 40,000 Avios for new Qatar Airways-linked cardholders, including 20,000 additional Avios.
| Type/Category | Details | Key Feature |
|---|---|---|
| Co-branded Partnership | IndusInd Bank Avios Visa Infinite Credit Card | Partnership with Qatar Airways and British Airways |
| Welcome Bonus Avios | 20,000 Avios | Credited after joining fee payment and airline loyalty program activation |
| Promotional Welcome Offer (Jan 2026) | 40,000 Avios (20,000 existing + 20,000 additional) | For new Qatar Airways-linked Privilege Club members applying in January 2026 |
| Annual Milestone Bonus | 18,000 Avios after first ₹8 lakh spent in a year | Maximum 36,000 bonus Avios annually for high spenders |
| Accelerated Avios Earning (International POS) | 5 Avios on every INR 200 spent at preferred international destinations | Optimised for in-person international purchases |
| Accelerated Avios Earning (International Online) | 3 Avios on every INR 200 spent at preferred international destinations | Higher rewards for online transactions in chosen international regions |
| Foreign Currency Markup | 1.5% at preferred international destination; 3.5% elsewhere (plus taxes) | Discounted forex fees for international transactions |
| Complimentary Meet & Greet Service | Two complimentary services per year at leading international airports | travel convenience and experience |
| Qatar Airways Flight Discount | 10% off on flight bookings via www.qatarairways.com or mobile app | Applicable when Qatar Airways Privilege Club is the preferred loyalty program |
| Additional Qatar Airways Privilege Club Discount | 10% additional discount on flights originating from India | For Privilege Club members booking via Qatar Airways platforms |
| Overseas Medical Insurance | Coverage up to $25,000 | Provided in partnership with Oriental Insurance Company |
| Air Accident Insurance | Coverage up to ₹25 lakh | full travel safety coverage |
| Priority Pass Membership | Complimentary membership with specific lounge visit limits | 2 complimentary domestic lounge visits per calendar quarter |
| International Lounge Access (Priority Pass) | Usage charges (up to USD 35) apply for more than 2 visits per quarter outside India | Access to over 1,300 airport lounges worldwide |
| Airport Fast Track Immigration Discount | 25% discount at over 450 destinations worldwide | Expedited immigration process for global travel |
| Airport Transfer Service Discount | 20% discount on airport transfer services in major cities worldwide | Convenient and discounted ground transportation |
| Cash Advance Charges | Currently waived as per card’s Most Important Terms and Conditions (MITC) | Provides flexibility for emergency cash needs |
The card offers a maximum of 56,000 Avios (welcome + milestones) in the first year for high-spending cardholders, making IT attractive for frequent international travellers.
Avios Earning & Redemption Rates 2026
The IndusInd Bank Avios Visa Infinite Credit Card offers up to 5 Avios per ₹200 spent on international POS transactions, with a maximum of 36,000 bonus Avios annually. New cardholders can receive a welcome bonus of 20,000 Avios, potentially increasing to 40,000 Avios with promotional offers in January 2026.
| Avios Earning Metric | Rate/Value (as of 2026) | Notes |
|---|---|---|
| Welcome Bonus Avios (Standard) | 20,000 Avios | Credited within 15 days after joining fee payment and airline loyalty program activation. |
| Welcome Bonus Avios (Promotional Offer – Jan 2026) | 40,000 Avios | Includes standard 20,000 Avios + 20,000 additional for new Qatar Airways-linked cardholders. Bonus credited by April 15, 2026. |
| Avios Earning on POS Transactions (Preferred International Destination) | 5 Avios per ₹200 spent | For transactions at your chosen preferred international destination. |
| Avios Earning on Online Transactions (Preferred International Destination) | 3 Avios per ₹200 spent | For online transactions at your chosen preferred international destination. |
| Avios Earning on British Airways and Qatar Airways Bookings | 5 Avios per ₹200 spent | Applicable for bookings made directly with the airlines. |
| Bonus Avios after first ₹8 Lakh annual spend | 18,000 Avios | Maximum 36,000 bonus Avios in a year from milestone spending. |
| Bonus Avios after second ₹8 Lakh annual spend | 18,000 Avios | Maximum 36,000 bonus Avios in a year from milestone spending. |
| Maximum Bonus Avios in a year (Milestone) | 36,000 Avios | Achieved by spending ₹16 lakh annually (₹8 lakh + ₹8 lakh). |
| Maximum Total Avios (Welcome + Milestones) in First Year | Up to 56,000 Avios | For high spenders, combining welcome bonus and milestone rewards. |
| Avios Transfer Ratio between Partner Airlines | 1:1 | Avios can be transferred between Qatar Airways Privilege Club and British Airways Executive Club. |
Cardholders can redeem Avios for reward flights, class upgrades, hotel stays, and car rentals through the Qatar Airways Privilege Club or British Airways Executive Club platforms. The card offers a 10% discount on Qatar Airways flight bookings made via their website or app, with an additional 10% for Privilege Club members on flights originating from India.
How IndusInd Avios Card Works
The IndusInd Bank Avios Visa Infinite Credit Card operates as a multi-brand travel card, allowing users to earn and redeem Avios across both Qatar Airways Privilege Club and British Airways Executive Club. Cardholders select a preferred airline loyalty program and international destination to maximize their Avios earning potential and access exclusive travel benefits.
- Dual Airline Partnership: The card is co-branded with British Airways and Qatar Airways, enabling Avios earning and redemption across both airlines’ loyalty programs.
- Preferred Airline Selection: Cardholders choose either Qatar Airways Privilege Club or British Airways Executive Club as their preferred loyalty program to tailor benefits.
- Avios Transferability: Avios earned on the card can be transferred between Qatar Airways Privilege Club and British Airways Executive Club at a 1:1 ratio.
- Targeted Earning Rates: Online transactions at a preferred international destination earn 3 Avios per ₹200 spent, while POS transactions at the same destination earn 5 Avios per ₹200 spent.
- Welcome Bonus Structure: New cardholders receive 20,000 bonus Avios upon successful payment of the joining fee and activation with their chosen airline loyalty program.
- Annual Spend Bonuses: Users can earn up to 36,000 bonus Avios annually, with 18,000 Avios credited after the first ₹8 lakh spent and another 18,000 after the second ₹8 lakh spent in a year.
- Promotional Offers (Jan 2026): A special offer in January 2026 provided 40,000 Avios (20,000 welcome + 20,000 additional) for new Qatar Airways-linked cardholders, credited by April 15, 2026.
- Travel Insurance Coverage: The card includes an overseas medical insurance cover of $25,000 and an air accident insurance cover of ₹25 lakh (as of 2026).
This card integrates banking services with airline loyalty benefits, offering a structured approach to earning and redeeming travel rewards for frequent international travelers.
IndusInd Avios Card: Travel Advantages
The IndusInd Bank Avios Visa Infinite Credit Card offers extensive travel benefits, including discounted flights and full insurance covers. Cardholders receive a 10% discount on Qatar Airways bookings and up to ₹25 lakh in air accident insurance.
- Complimentary Lounge Access: The card provides complimentary Priority Pass membership and two complimentary visits to airport lounges in India per calendar quarter. For international lounges, usage charges of up to USD 35 apply for more than two visits per quarter.
- International Meet & Greet Service: Cardholders receive two complimentary meet-and-greet services per year at major international airports, including Dubai Arrivals and Departures. This ensures a seamless travel experience.
- Airport Fast Track Immigration: Enjoy a 25% discount on Airport Fast Track immigration services at over 450 destinations worldwide. This benefit speeds up airport procedures.
- Airport Transfer Discounts: The card offers a 20% discount on airport transfer services in major cities globally. This reduces travel costs for cardholders.
- Qatar Airways Flight Discounts: Cardholders get a 10% discount on flight bookings made via the Qatar Airways website or mobile app, provided Qatar Airways Privilege Club is chosen as the preferred loyalty program.
- Additional Privilege Club Discount: Privilege Club members receive an additional 10% discount on all flights originating from India when booked through Qatar Airways platforms, using the code ‘IDSCB23’.
- Overseas Medical Insurance: The card includes an overseas medical insurance cover of up to $25,000 for cardholders. This provides financial protection during international travel.
- Air Accident Insurance: Cardholders are covered by an air accident insurance policy worth ₹25 lakh. This offers significant security for frequent flyers.
- Reduced Foreign Currency Mark-up: A preferential foreign currency mark-up of 1.5% applies at preferred international destinations, compared to 3.5% elsewhere, plus taxes. This saves money on international transactions.
These travel advantages make the IndusInd Avios Visa Infinite Credit Card a strong option for frequent international travelers seeking premium benefits and savings.
IndusInd Avios Vs. Premium Cards
The IndusInd Bank Avios Visa Infinite Credit Card competes with other premium travel cards like HDFC Regalia, offering distinct benefits for frequent flyers. As of 2026, its ₹10,000 joining fee aligns with other high-end cards, while its 1.5% foreign currency markup at preferred destinations is competitive.
| Feature | IndusInd Avios Visa Infinite | Axis Atlas | HDFC Regalia |
|---|---|---|---|
| Card Type | Premium Travel Credit Card | Premium Travel Credit Card | Mid-tier Travel Credit Card |
| Joining Fee (2026) | ₹10,000 plus taxes | Similar to IndusInd Avios | ₹2,500 |
| Renewal Fee (2026) | ₹10,000 plus taxes | Similar to IndusInd Avios | ₹2,500 (waived on ₹3 lakh annual spend) |
| Foreign Currency Markup | 1.5% (at preferred international destination); 3.5% elsewhere | Not specified | 3.5% |
| Lounge Access | 2 international (Priority Pass) and 2 domestic lounge visits per quarter | International airport lounge access benefits | Unlimited complimentary access to over 1,000 airport lounges worldwide via Priority Pass (with guest) |
| Welcome Benefit | 20,000 bonus Avios (after joining fee payment and card activation) | Not specified | Not specified |
| Overseas Medical Insurance | $25,000 cover (2026) | Not specified | Not specified |
| Air Accident Insurance | ₹25 lakh cover (2026) | Not specified | Not specified |
| Max. Annual Bonus Avios | 36,000 Avios (after ₹16 lakh annual spend) | Not specified | Not specified |
| Qatar Airways Discount | 10% on flight bookings (plus 10% additional for Privilege Club members) | Not specified | Not specified |
| Airport Fast Track Discount | 25% at 450+ destinations | Not specified | Not specified |
| Airport Transfer Discount | 20% in major cities worldwide | Not specified | Not specified |
The IndusInd Avios card offers a strong value proposition for international travelers, particularly with its lower foreign currency markup at specific destinations and full travel insurance covers.
Common Avios Card Misconceptions
The IndusInd Bank Avios Visa Infinite Credit Card offers distinct benefits for frequent international travelers, often misunderstood regarding its dual airline partnership and reward structure. Many users incorrectly assume Avios points are exclusive to one airline, but they are transferable 1:1 between Qatar Airways Privilege Club and British Airways Executive Club.
- Single Airline Focus: The card supports both Qatar Airways Privilege Club and British Airways Executive Club, allowing users to choose a preferred loyalty program and transfer Avios between them at a 1:1 ratio.
- Limited Redemption Options: Avios can be redeemed for reward flights, class upgrades, hotel stays, car rentals, and travel experiences across both partner airlines, not just flights.
- Fixed Foreign Currency Markup: The card features a preferential 1.5% foreign currency mark-up at a chosen international destination, while other destinations incur a 3.5% mark-up plus taxes.
- No Annual Bonus CAP: Cardholders can earn a maximum of 36,000 bonus Avios annually, with 18,000 Avios credited after spending ₹8 lakh in a year, and another 18,000 after the next ₹8 lakh.
- Instant Welcome Bonus: The 20,000 welcome bonus Avios are credited within approximately 15 days after successful joining fee payment and card activation with the selected airline loyalty program.
Understanding these specific details helps maximize the card’s value for international travel and rewards.
Applying for IndusInd Avios Card
Applying for the IndusInd Bank Avios Visa Infinite Credit Card in 2026 involves a straightforward online process, with applications opening on January 1, 2026. New customers applying in January 2026 can receive up to 40,000 Avios as a promotional offer if linked to Qatar Airways Privilege Club.
The card is designed for Indian residents aged 18 to 75 years, requiring a strong credit history and a regular income source.
- Application Period: The application window for the promotional offer runs from January 1, 2026, to January 31, 2026.
- Eligibility Criteria: Applicants must be Indian residents, aged between 18 and 75 years, with a strong credit history and a consistent source of income.
- Minimum Income: Salaried individuals typically need a minimum monthly income of ₹20,000 to be eligible for IndusInd Bank credit cards.
- Application Process: You can apply directly through the official IndusInd Bank website or by visiting a bank branch.
- Document Verification: Card issuance generally takes 7–10 working days after successful document verification and instant video KYC.
- Bonus Avios Credit: For the January 2026 promotional offer, the additional 20,000 bonus Avios will be credited by April 15, 2026, after successful card issuance.
Ensure all eligibility requirements are met and documents are ready to streamline the application process for the IndusInd Bank Avios Visa Infinite Credit Card.
Key Takeaways
- The IndusInd Avios Visa Infinite Credit Card application period for a special 40,000 Avios offer runs from January 1 to January 31, 2026.
- Eligibility requires applicants to be Indian residents aged 18-75, with a strong credit history and a minimum monthly income of ₹20,000.
- Successful applicants under the January 2026 promotion will receive their bonus 20,000 Avios by April 15, 2026.
Check your eligibility and apply for the IndusInd Bank Avios Visa Infinite Credit Card directly on the official IndusInd Bank website.
Frequently Asked Questions (FAQs)
What are the main benefits of the IndusInd Bank Avios Visa Infinite Credit Card?
The IndusInd Bank Avios Visa Infinite Credit Card offers benefits for frequent travelers, including Avios points on spending, discounts on Qatar Airways flights, and complimentary airport meet-and-greet services. Cardholders also receive overseas medical insurance worth $25,000 and air accident insurance cover of ₹25 lakh (as of 2026). This card is co-branded with British Airways and Qatar Airways.
How do I earn Avios points with this credit card?
You earn Avios points on your spending with the IndusInd Bank Avios Visa Infinite Credit Card. For example, online international transactions earn 3 Avios for every ₹200 spent. You can earn a maximum of 36,000 bonus Avios annually, with 18,000 after spending ₹8 lakh and another 18,000 after spending ₹16 lakh in a year.
What are the redemption options for Avios earned from the card?
Avios earned from the card can be redeemed for reward flights, class upgrades, hotel stays, and car rentals with British Airways Executive Club and Qatar Airways Privilege Club. Redemptions are managed through the respective airline loyalty program websites or mobile apps. Terms and conditions of the airline loyalty programs apply to all redemptions.
Does the IndusInd Bank Avios Visa Infinite Credit Card offer airport lounge access?
Yes, the IndusInd Bank Avios Visa Infinite Credit Card provides travel benefits including two complimentary meet-and-greet services per year at international airports. This service aims to offer a seamless and comfortable travel experience. Specific lounge access details should be confirmed with IndusInd Bank.
What are the fees associated with the IndusInd Bank Avios Visa Infinite Credit Card?
The IndusInd Bank Avios Visa Infinite Credit Card typically has an annual fee, which can sometimes be waived based on spending thresholds. Other charges may include foreign currency markup fees and late payment charges. Always verify the latest fee structure directly with IndusInd Bank as of 2026.
How can I contact IndusInd Bank for support regarding this credit card?
You can contact IndusInd Bank’s 24-hour phone banking number at 1860 267 7777 for support. Alternatively, you can email your concerns to premium.care@indusind.com or priority.care@indusind.com. These channels are available for card-related queries and service requests.
Is there a welcome bonus for the IndusInd Bank Avios Visa Infinite Credit Card?
Yes, new cardholders may receive a welcome bonus, such as 40,000 Avios points upon signing up and meeting initial spend requirements. Specific welcome offers vary and are subject to promotional terms and conditions as of January 2026. Check the latest offer on the IndusInd Bank website or with the bank directly.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.