IndusInd Bank Avios Visa Infinite Credit Card Review
Author And Publisher: Gyro 3.oIndusInd Bank Avios Visa Infinite Credit Card
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IndusInd Bank Avios Visa Infinite Credit Card Review: 36,000 Annual Bonus Avios, Priority Pass Lounge Access & Concierge Excellence
introduction
The IndusInd Bank Avios Visa Infinite Credit Card is a premium metal card made for frequent international travelers. It lets you earn Avios faster through Qatar Airways and British Airways programs. Cardholders enjoy up to 36,000 bonus Avios a year, free Priority Pass lounge visits, airport meet-and-greet, travel insurance, concierge support, and access to exclusive global events. Perfect for professionals who travel in style.
key features and benefits
Welcome Benefits
20,000 bonus Avios upon joining (credited 15 days after joining fee receipt).
Flexibility to choose preferred airline loyalty program: Qatar Airways Privilege Club or British Airways Executive Club.
Flexibility to select preferred international destination (Americas, Europe/North Asia, Middle East/South Asia, Africa, or Australia/New Zealand/Far East).
Milestone Benefit
- 18,000 bonus Avios after your first spends of INR 800,000 in a year.
- 18,000 bonus Avios after your second spends of INR 800,000 in a year.
*Maximum 36,000 bonus Avios in a year*
Milestone benefit would be credited 10 days post statement generation, after milestone spends are achieved.
Reward Structure
Spends in selected preferred international destination – POS transactions: 6 Avios per INR 200 spent
Online spends on selected preferred international destination: 3 Avios per INR 200 spent
Spends in domestic and other international destinations: 3 Avios per INR 200 spent
Spends on Qatar Airways & British Airways website and app – online transactions: 3 Avios per INR 200 spent
Spends on Qatar Airways & British Airways website and app – POS transactions: 6 Avios per INR 200 spent
For spends on Utilities, Govt services, Education and Insurance: 1 Avios per INR 200 spent
All other spends: 3 Avios per INR 200 spent.
Airport Lounge Access
- 2 complimentary visits per calendar quarter in any of the participating domestic lounges.
Priority Pass: 2 international lounge visits per calendar quarter with Priority Pass.
Concierge Services Offered
- Enjoy two complimentary meet-and-greet services per year at leading international airports for a seamless and stress-free travel experience.
- Arrange a host of care services for the elderly members of your family who reside in India from diagnostic test bookings to teleconsultation appointments.
- Get access to international events like world football finals, international motor racing, global tennis tournament, iconic cricket events, music festivals and much more.
VISA Card Benefits
- Visa Infinite Cardholders can enjoy discount of 25% on retail rates on Airport Fast Track immigration service at over 450 destinations worldwide.
- Enhance your travel experience with Luxury Airport Transfer Service. Visa Infinite Cardholders can enjoy 20% off retail rates on airport transfer service in key cities globally.
Insurance Benefits
Travel Insurance Package:
Lost baggage: ₹1,00,000.
Delayed baggage: ₹25,000.
Loss of passport: ₹50,000.
Lost ticket: ₹25,000.
Missed flight connection: ₹25,000.
- Overseas medical insurance upto USD 25,000 with coverage in case of Hospitalization due to accidental injury or illness while on an international trip.
Total Protect Program- this program covers you for an amount equal to the credit limit on your card and is also available on add-on cards. Total Protect covers you for Unauthorized transactions in case of loss/theft of card. We provide an insurance cover up to 48 hours prior to you reporting the loss of your card.
- Complimentary personal air accident insurance cover of up to Rs 60,00,000.
Card Essential
Rewards and Benefits Analysis
Best for: Frequent travelers spending ₹16,00,000 or more a year can earn up to 36,000 bonus Avios, along with welcome and renewal rewards. The card offers 6 Avios per ₹200 spent at your chosen destination, international lounge access, airport meet-and-greet, forex discounts, travel insurance, and concierge services. It also gives access to top events like concerts, Wimbledon, and the Olympics, plus exclusive dining reservations worldwide—perfect for those who love travel, food, and premium experiences.
Real Value Example (Annual Spend ₹16,00,000):
Welcome Avios: 20,000 × ₹1+ average value = ₹20,000+
Milestone Avios (two ₹8L tranches): 36,000 Avios = ₹36,000+ value
Renewal Avios: 5,000 Avios = ₹5,000+ value
Total annual Avios: 61,000 = ₹61,000+ redemption value
Discounted forex (1.5% vs 3.5% standard) on ₹8,00,000 international spend: ₹16,000 saved
Priority Pass lounge value (8 annual visits × USD 30 avg): ₹20,000+ value
Meet-and-greet services (2 annual): ₹5,000+ value
Travel insurance coverage: ₹10,000+ estimated value
Total annual tangible value: ₹1,47,000+ (before annual fee deduction)
Milestone Benefit: 36,000 annual bonus Avios achievable through dual ₹8,00,000 spending milestones—significant for high spenders.
Extra Perks: Dedicated concierge, elderly care assistance, iconic event access, hotel/dining reservations, flowers/gift delivery globally, Visa Infinite perks (25% immigration fast-track, 20% airport limo discount).
Practical Considerations
Fees & Charges (Summary):
Joining and annual fees not transparently disclosed; premium tier pricing implies ₹15,000-25,000 range (estimated).*****
Break-even analysis requires bank consultation on exact fee structure.*****
Eligibility:
Ultra-premium income profile required; specific minimums undisclosed (likely ₹50 lakh+ annual income).****
Existing and new IndusInd Bank customers eligible.
Strong credit score essential for Infinite tier approval.
Potential Limitations / Transaction Charges:
Annual fees undisclosed—critical transparency gap for cost-benefit analysis.
No Golf benefits.
Preferred destination selection changeable only post-anniversary (limits flexibility).
Lounge charges: USD 35 waivers limited to primary cardholder international visits (2 per quarter); guest/domestic charges not waived.
Meet-and-greet services: Limited to primary cardholder presence for travel companion utilization.
International travel health insurance: Maximum 60-day trip limit; age capped at 65 years.
Redemption Options
- Avios Redemption Ecosystem:
- Redeem Avios for Qatar Airways and British Airways award flights, hotel stays through Avios partners, car rentals, premium experiences, upgrades, extra baggage, or Qatar Duty Free shopping.
- Best Value Strategy:
- Maximize Avios on premium cabin award flights (business/first class) where redemption value exceeds ₹2-3 per Avios. Leverage milestone bonuses to accumulate sufficient Avios for high-value redemptions (trans-Atlantic business class typically requires 85,000-150,000 Avios worth ₹1,70,000-3,00,000+). Combine with 10% Qatar Airways booking discount for cash redemptions.
Ideal User Profile
Ultra-high-net-worth individuals with ₹50+ lakh annual income.
Frequent international business and leisure travelers.
Qatar Airways and British Airways loyalty program enthusiasts.
Those prioritizing airline miles accumulation over cashback.
Luxury lifestyle seekers valuing concierge services and curated event access.
Professionals conducting ₹15+ lakh annual international spending.
Final Thoughts
Strengths:
Exceptional Avios accumulation: 20,000 welcome + up to 36,000 annual milestone + 5,000 renewal = 61,000+ Avios yearly.
Flexible airline loyalty program selection (Qatar Airways or British Airways).
Significant forex discount (1.5%) at preferred destination—₹20,000+ annual savings on ₹10L spend.
Meet-and-greet airport services (2 annual) ensure stress-free international travel.
Limitations:
Concierge services charged to cardholder, no complimentary bookings for events/hotels.
International health insurance age-capped at 65 years and trip-limited to 60 days.
Meet-and-greet requires primary cardholder presence for companion utilization.
Verdict:
A premium travel card for frequent international flyers loyal to Qatar Airways or British Airways. It offers faster Avios earning, forex savings, lounge access, and top-tier concierge support—great value for high spenders. Best for those spending over ₹15,00,000 a year on travel. Not ideal for casual travelers or those who prefer cashback cards.
Additional Tips for Applicants
- Build a strong credit profile with solid income proof and long credit history.
- Confirm the annual fee and charges with IndusInd Bank before applying.
- Pick your airline loyalty program based on how often you fly Qatar or British Airways.
- Spend ₹8,00,000 twice a year to earn up to 36,000 bonus Avios.
- Always pay the full balance on time to maintain premium status.
This review offers a clear and balanced overview of The IndusInd Bank Avios Visa Infinite Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
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