Avios is the shared reward currency for British and Qatar Airways. Avios points can be earned and redeemed with flight tickets, hotel bookings, car rentals or bookings upgrade across the partnered airline or hotel brands.
IndusInd Bank
IndusInd Bank Avios Visa Infinite Credit Card
Travel
Co-branded
1st Year Fee: ₹40,000* Plus Applicable Taxes
Travel
Benefits on Qatar & British Airways
Rewards
Up to 5 reward points on every Rs. 200
Lounge Access
Up to 8 complimentary visits every year
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About IndusInd Bank Avios Credit Card
IndusInd Bank Avios Visa Infinite Credit Card is a super-premium credit card designed for frequent travellers. Unlike other co-branded airline credit cards, this card is associated with not one but two popular airlines—Qatar Airways and British Airways. As per your preference of airlines and travel locations, you can earn accelerated rewards and benefits.
Beyond co-branded airline benefits, the card also offers general travel benefits like a low forex mark-up fee (at selected destinations), complimentary Priority Pass membership, and bonus Avios points via renewal and milestone benefits. Such features make it a competitive option with other popular airline credit cards like KrisFlyer SBI Card Apex, Emirates Skywards ICICI Bank Sapphiro Credit Card, and Etihad Guest SBI Card, etc.
Airlines and Other Travel Benefits
- 10% discount on flight bookings through Qatar Airways website or mobile app, on choosing Qatar Airways Privilege Club as the preferred airline loyalty programme
- 10% additional discount for Privilege Club members on all flights originating from India, if booked via Qatar Airways platforms
- Complimentary Priority Pass membership with 2 international lounge visits per calendar quarter
- 2 complimentary visits per calendar quarter in any of the participating domestic lounges
- Low forex markup fee of 1.5% at selected locations1
- Travel Insurance Benefits of Lost Baggage: Rs. 1 Lakh, Delayed Baggage: Rs. 25,000, Loss of Passport: Rs. 50,000, Loss of Ticket: Rs. 25,000 and Missed Flight Connection: Rs. 25,000
- 2 complimentary meet-and-greet services per year at leading international airports for smooth check-in, security, immigration and much more
Rewards & other features:
Rewards Structure:
- 5 Avios for every Rs. 200 spent at select preferred international destinations for PoS transactions. Click here for the list of eligible destinations.
- 2 Avios for every Rs. 200 spent on Qatar Airways & British Airways website and app2
- 1 Avios per Rs. 200 spent on online spends on select preferred international destinations, domestic & other international destinations and other categories
Milestone Benefits: You can earn up to 50,000 bonus rewards3-5 on achieving the spending milestone as follows:
- 25,000 bonus Avios after your first spend of Rs. 8 lakh in a year
- 25,000 bonus Avios after your second spend of Rs. 8 lakh in a year
Welcome & Renewal Benefits:
Based on your choice of airlines between Qatar Airways and British Airways, you earn varying welcome and renewal benefits, as listed below:
IndusInd Bank Avios Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 40,000 | ||||||||||||||||
| Annual Fee | Rs. 10,000 | ||||||||||||||||
| Finance Charges | 3% p.m. (36% p.a.) | ||||||||||||||||
| Forex Markup Fee | 1.5% at preferred destination, 3.5% all other destinations | ||||||||||||||||
| Late Payment Charges |
|
How to choose your preferred airline between British & Qatar Airways?
Choosing the right airline for you is subjective but you must consider the following factors, identify:
- What benefit type could serve you better– a membership with concierge, lounge access and luggage perks, or additional points that can give you a free airline ticket.
- Your brand preference basis service type, previous travel experience, etc.
- Your preferred location for travel. For instance, Qatar Airways Gold Membership can serve you better when traveling to the State of Qatar, whereas Avios points with British Airways can help you better when traveling to Europe for ticket bookings.
Things to Know Before you apply
Get this card if:
You frequently travel to the State of Qatar or to Europe
Qatar Airways or British Airways is your preferred choice of Airlines
Your choice of preferred travel location aligns with the partnered locations eligible for accelerated rewards
Other Similar Cards:
KrisFlyer SBI Card Apex
Emirates Skywards ICICI Bank Sapphiro Credit Card
Etihad Guest SBI Card
Paisabazaar Review
What do we like about this card?
With this card, users get the flexibility to choose between British Airways and Qatar Airways. Besides, one can also choose their preferred choice of travel destination from North & South America, Europe, Asia, Africa, and Australia, among others, to earn accelerated reward points. These features make this card a great fit for those who often travel to one foreign location or those who prefer one of the associated airlines.
Pros
- Flexibility to choose between multiple airlines
- Accelerated reward points on preferred travel destination
- Bonus Avios points via renewal and milestone benefits
- Direct discount on flight bookings
Cons
- High spend threshold for milestone benefits
- Limited domestic travel benefits
- Very high joining fees
- Limited redemption options
- Low forex markup fee only at selected locations
Conclusion
Overall, the card comes across as a suitable choice for frequent travelers who visit the State of Qatar or Europe. However, it comes with certain drawbacks. Instead of direct welcome and renewal benefits, the card offers rewards. Here, equivalent points or memberships worth the same value across both airlines could have made it easier for users to choose a preferred airline as per brand preferences. Additionally, to avail the milestone benefit on the card, you need to spend a minimum of Rs. 67,000 per month. Keeping in view the reward benefits on this card, the amount seems higher, especially for those who own multiple credit cards. However, it could still be realistic if you are a frequent traveler or a high spender owning a single card. The card comes with a unique international travel benefit of accelerated rewards on preferred international destinations. While making a choice of location in advance could be a drawback for explorers, it could be a great advantage for those traveling specifically for business trips. But since you can change your location once every year, you can benefit if you are someone who likes exploring various places and prefers planning your travel in advance.
Frequently Asked Questions
Everything you need to know about this credit card
Gold members of Qatar Airways Privilege Club can enjoy priority check-in and boarding, extra baggage allowance, complimentary seat selection, access to Business Class lounges at select airports, meet-and-assist services when traveling through Hamad International Airport, 15% off on shopping and dining at Qatar Duty Free when paying with Avios, and much more.
Yes, the card offers multiple travel insurance covers. You get a lost baggage cover insured of Rs. 1 Lakh; delayed baggage, lost ticket and missed flight connection covers of Rs. 25,000 each and loss of passport cover for sum insured of up to Rs. 50,000.
The complimentary Qatar Airways Gold membership is offered after 45 days of the joining fee payment.
You can contact the issuer at their 24‑Hour phone banking number: 1860267 7777. Alternatively, you can email your concerns at premium.care@indusind.com.
You can earn a maximum of 50,000 bonus Avios in a year- 25,000 after first Rs. 8 Lakh spent in a year and next 25,000 after second Rs. 8 Lakh spent in a year.
Footnotes
- Preferred international destination choices- Americas (North and South America); Europe and North Asia; Middle East and South Asia; Africa; Australia, New Zealand, Far East and others.
- 1 Avios will be credited to your card account and other 1 Avios will be credited in your Qatar Airways Privilege Club membership account /British Airways Executive Club account.
- Accumulated rewards can be redeemed against - flight tickets, hotel stays, car rentals, etc.
- Avios points would be credited to your account post 10 days of statement generation.
- Fuel transactions will not earn any Avios.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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