IndusInd Bank Avios Visa Infinite Credit Card

Joining fee

₹10,000 to join.

Annual fee

₹5,000 a year.

Add-on card fee

₹0

Welcome benefit

20,000 bonus Avios on choosing Qatar Airways Privilege Club or British Airways Executive Club as Preferred Airline Loyalty Programme; Welcome Bonus Avios would be credited after 15 days of receipt of joining fees.

Reward rate

3 Avios per ₹200 on domestic and other international spends.

Reward earning on international spends

6 Avios per ₹200 on point-of-sale spends in your selected preferred international destination.

Travel earning

5 Avios per ₹200 on the Qatar Airways and British Airways website and app.

Reward exclusions

Fuel transactions will not earn any Avios.

Reward caps

Avios will be earned only for spends up to assigned credit limit in every statement cycle

Catalogue redemption

Redeem your Avios for flight tickets, hotel stays, car rentals and much more; redemptions are governed by the terms and conditions of the airline loyalty programme.

Airline and hotel partners points may move to

Select your preferred airline loyalty programme: Qatar Airways Privilege Club or British Airways Executive Club.

International lounge access

Complimentary Priority Pass membership with access to international lounges across the world; 2 international lounge visits per calendar quarter with Priority Pass.

Domestic lounge access

Complimentary visits to airport lounges in India: 2 complimentary visits per calendar quarter in any of the participating domestic lounges.

Priority Pass

Priority Pass membership is complimentary for all IndusInd Bank Avios Visa Infinite Credit Cardholders; usage charges of upto USD 35 shall not be waived off for the Primary Cardholder for more than 2 lounge visits outside India in each calendar quarter, for any Priority Pass lounge within India, or for guests of Cardholders at any lounge within or outside India

Hotel or travel programme

Two complimentary meet-and-greet services per year at leading international airports; can be availed by the primary cardholder or the travel companion of the primary Cardholder; this benefit is non transferable.

Concierge

Concierge services including pre-trip assistance, flowers and gift delivery assistance, hotel referral and reservation assistance and dining referral and reservation assistance; cost for the service requested to be paid by the customer

Milestone benefits

18,000 bonus Avios after your first spends of ₹800,000 in a year and 18,000 bonus Avios after your second spends of ₹800,000 in a year; maximum 36,000 bonus Avios in a year; credited 10 days post statement generation, after milestone spends are achieved

Renewal benefit

5,000 bonus Avios on renewal with Qatar Airways Privilege Club or British Airways Executive Club as Preferred Airline Loyalty Programme; 5,000 Bonus Avios would be credited after 15 days of receipt of renewal fees.

Fuel surcharge waiver

Waiver of 1% on fuel surcharge at any fuel station in the country.

Air accident cover

Complimentary personal air accident insurance cover of up to USD 25000

Lost card liability

Total Protect covers an amount equal to the credit limit on your card; unauthorised transactions in case of loss/theft of card: insurance cover up to 48 hours prior to you reporting the loss of your card

Medical and hospitalisation cover

International Travel Health Insurance: coverage in case of hospitalisation due to accidental injury or illness while on international trip; cardholder along with spouse (accompanying with card holder) covered; maximum trip duration is 60 days per person per trip; age group up to 65 years

Travel insurance

Insurance coverage with The Oriental Insurance Company Ltd., sum assured up to: lost baggage ₹1,00,000; delayed baggage ₹25,000; loss of passport ₹50,000; lost ticket ₹25,000; missed flight connection ₹25,000

Forex markup

1.5% on foreign currency transactions.1.5% at POS transactions at your preferred international destination; 3.5% at all other destinations

Cash advance fee

Waived - no cash advance charge on this card.

Interest on unpaid balance

3.00% Monthly Rate, 36.00% Annual Rate.

Interest-free period

Interest-free credit period of up to 50 days

Late payment fee

Nil to ₹1,300 by outstanding balance (₹1,300 above ₹50,000)

Over-limit fee

2.5% of Over Limit Amount, subject to a minimum of ₹500

Payment return or dishonour fee

Returned payments: ₹250

Card replacement fee

Re-issue/Replacement: ₹100 for All Other Credit Cards.

Education / school fee charge

1% Fee + GST on the cumulative spends on education payments transactions made through third-party websites and applications more than ₹45,000 in a statement cycle

Wallet load charge

1% Fee + GST on the cumulative spends on wallet loading transactions more than ₹20,000 in a statement cycle

Rent transaction fee

1% Fee + GST levied on each transaction on rent payments through third-party merchants

Utility transaction fee

1% Fee + GST on the cumulative spends on utility payments transactions more than ₹25,000 in a statement cycle

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on Credit Card Accounts, where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.

Minimum amount due

100% of EMI amount + 100% of GST + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Retail Spends/Cash Advance/remaining balance outstanding

Eligibility

Not issued to any person less than 18 years of age.