IndusInd Bank Avios Credit Card Review

Credit Cards Indusind
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If you’re a frequent international traveller seeking a credit card that aligns with your travel lifestyle, the IndusInd Bank Avios Visa Infinite Credit Card offers a compelling set of features. Designed with an international jet-setter in mind, this ultra-premium metal card brings flexibility, exclusive travel benefits, and the power to earn Avios—the reward currency of Qatar Airways Privilege Club and British Airways Executive Club.

Here’s an in-depth and balanced review to assist you in determining whether this travel credit card is for you.

Key Features at a Glance
Select Your Airline Loyalty Programme: Select either Qatar Airways Privilege Club or British Airways Executive Club.

Avios Earning Potential: Receive up to 6 Avios for every INR 200 spent, with higher earnings at specially chosen international destinations.

Welcome Bonus: Receive 20,000 Avios as a welcome bonus, credited within 15 days of payment of fees.

International Travel Benefits: Offers meet-and-greet, concierge services, airport transfer discounts, and international travel cover.

Contactless Technology: Chip-enabled card with instant, secure tap-and-pay convenience.

Advantages of the IndusInd Bank Avios Visa Infinite Credit Card

  1. Customized Travel Rewards Programme
    The card provides you with the unique freedom to opt for either Qatar Airways or British Airways loyalty schemes. Ideal for flyers loyal to either of these airlines or their corresponding world networks (oneworld alliance).

  2. Steep Earning Rates at Popular Destinations
    Get 6 Avios on every INR 200 spent on your preferred global destination, great for regular travelers. You’ll also receive 5 Avios on every INR 200 spent in bookings done on Qatar Airways and British Airways websites or apps.

  3. Big Welcome Bonus
    The card rewards you with 20,000 Avios as a welcome gift, bringing tremendous value from the beginning—particularly if you use miles frequently to pay for long-distance trips or upgrades.

  4. Premium Travel Services
    Get to indulge in luxurious benefits like:
    25% discount on airport fast-track immigration
    20% discount on airport limo transfers
    Free concierge and elderly help
    International travel insurance and reduced foreign currency markups at popular destinations

These perks make the travel experience much more worthwhile.

  1. Metal Card with Premium Design
    The stylish metal card fascinates individuals who appreciate aesthetics and uniqueness in their investment tools.

Drawbacks of IndusInd Bank Avios Visa Infinite Credit Card

  1. Complexity in Reward Structure
    As much as the Avios earning structure is lucrative, it’s a bit complicated and might need close monitoring of categories and destinations to garner maximum rewards.

  2. Inconsequential Domestic Emphasis
    For users who have majority spend and travels domestic to India, the value proposition of the card reduces. All benefits and top Avios earn rates are associated with international travel.

  3. No Avios on Fuel Purchases
    Fuel spends are not eligible for Avios earnings, which is a disadvantage for those who want to maximize rewards on day-to-day spends.

  4. Limited Rewards
    Avios are acquired only up to the given credit limit in every billing cycle, which may not allow high spenders to maximize rewards in a single cycle.

  5. No Lounge Access Mentioned
    Interestingly, the card does not indicate airport lounge access, a usual feature in most travel credit cards, which may be disappointing for regular flyers.

Who Should Get This Card?

The IndusInd Bank Avios Visa Infinite Credit Card is most appropriate for:
Frequent flyers across the globe
Loyal British Airways or Qatar Airways travelers
Customers seeking high-end services such as concierge, fast-track immigration, and airport transfers
Heavy spenders with the ability to maximize international expenditures and milestone Avios rewards

Final Verdict
The IndusInd Bank Avios Visa Infinite Credit Card provides good value for regular international consumers who can maximize the Avios system efficiently. The option to pick your preferred airline loyalty programme and destination is a big plus. Though the card has premium benefits and global rewards, its value proposition is weaker for local users or for those who do not travel much.

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How are Avios tracked and credited—does IndusInd bank credit them directly to the selected airline account, or are users required to initiate a manual transfer?

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Which IndusInd Avios Credit Card is better for me: Qatar Airways or British Airways version?

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This IndusInd Avios card comes in two flavors Qatar Airways or British Airways and which one you pick really depends on where you actually travel. Let me explain this.

The Basics:

You get to choose either Qatar Airways or British Airways as your main loyalty program with this premium travel card. Both use Avios points that you can move between airlines if needed. It costs ₹10,000 upfront and ₹5,000 each year after.

Qatar Airways Option:

You get 20,000 welcome Avios within 15 days. They used to give Qatar Gold status but not anymore.

What’s included:

  • 10% off Qatar Airways flights from India (this actually saves decent money)
  • 2 airport meet and greet services yearly
  • Priority Pass lounge access (2 visits every 3 months)
  • Solid earning 5 Avios per ₹200 on Qatar bookings, 6 per ₹200 when spending abroad

This makes sense if you travel to places like Dubai, Doha, Singapore, or other spots in Asia and Middle East where Qatar flies well.

IndusInd Avios card
IndusInd Avios card1301×639 202 KB

British Airways Option:

Same 20,000 welcome Avios, no gold status.

You get:

  • Same earning rates and lounge benefits as Qatar
  • “Reward Flight Saver” deals that can work out well (Delhi to London for about 30,000 Avios + ₹9,000)
  • No flight discount but sometimes needs less cash for redemptions

Better choice if you head to Europe, UK, or North America where BA has good routes.

What Both Give You:

Up to 36,000 bonus Avios per year, 1.5% forex fees at preferred destinations, travel insurance, 25% off fast immigration, and concierge help. Since Avios move 1:1 between programs, you’re not locked into one airline.

Main Differences:

Qatar Airways works better for Middle East/Asia trips, British Airways for Europe/North America. Qatar gives the 10% flight discount, BA has those saver deals with less cash needed.

My Suggestion:

Pick Qatar Airways if you travel to Middle East, Asia, or Africa and want flight savings. Choose British Airways if Europe, UK, or North America is where you go more often.

Real Example: If you spend ₹2.5 lakh monthly, you’d have about 27,500 Avios in your first month. This almost gets you Delhi London on BA (about 30,000 Avios + ₹9,000) or Delhi–Doha on Qatar (around 20,000 Avios + taxes, plus the discount).

Practical Note: Call IndusInd at 1860-267-7777 to confirm your pick when applying - you can’t change until your card’s birthday. Check airline websites for redemption options and think about where you actually go.

Without knowing your travel patterns, I’d lean toward Qatar Airways because of the flight discount and their network that works well for Indian travelers. But your usual destinations should really guide this choice.