Visa ★ Metal Edition 📡 Contactless NFC

IndusInd Bank Avios Infinite Credit Card

Joining Fee₹10,000

Annual Fee₹10,000

Forex Markup 1.5%

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⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent international flyers traveling via oneworld alliance carriers (British Airways, Qatar Airways, Finnair) seeking high Avios accumulation, 8 domestic + 8 international lounge visits, and low 1.5% forex markup.

Who Should Avoid

Domestic-only flyers or users seeking simple cash statement adjustments.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

20,000 bonus Avios points (choice of British Airways Executive Club or Qatar Airways Privilege Club) upon payment of joining fee

Direct British Airways & Qatar Airways Avios

Earn 5 Avios per ₹200 on British Airways and Qatar Airways direct bookings + 6 Avios per ₹200 on international spends.

Domestic & International Airport Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter + 2 international visits per quarter via Priority Pass.

20,000 Welcome Avios + Milestones

20,000 bonus Avios upon payment of joining fee + 25,000 bonus Avios on achieving annual spend milestones.

💰 Reward Structure & Point Valuation

1 Avios = ₹1.2

Standard Base Earning

3 Avios per ₹200 spent on all regular domestic retail (1.5% return; 1 Avios = ~₹1.20 to ₹1.80 for flight redemptions)

Accelerated / Partner Rate

6 Avios per ₹200 on all international POS & online spends; 5 Avios per ₹200 on direct bookings on ba.com and qatarairways.com; 25,000 bonus Avios on achieving ₹8L annual spend; 2 complimentary golf rounds/month

Points Validity:36 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: British Airways Executive Club Award Flights & Upgrades, Qatar Airways Privilege Club Award Flights (Qsuite redemptions), oneworld Alliance Partner Airline Bookings (American Airlines, Cathay Pacific, JAL)

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Jewellery Utility Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year)

🌐

International Lounge Visits2 complimentary international airport lounge visits per calendar quarter (8 visits/year) via Priority Pass

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Annual renewal fee of ₹10,000 + GST applies with ongoing annual bonus Avios and tier privileges

UPI Payments Support✗ Not Supported

UPI not supported on Visa metal network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹150,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the IndusInd Bank Avios Infinite Credit Card

Annual Fee: ₹10,000/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

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Frequently Asked Questions

No, IndusInd Bank Avios Infinite Credit Card has a joining fee of ₹10000 and an annual renewal fee of ₹10000 (plus applicable taxes).

IndusInd Bank Avios Infinite Credit Card ₹10,000/yr