Airline Co-Brand Powerhouse — Earn British Airways & Qatar Airways Avios with 1.5% Forex
International long-haul travelers and airline loyalty enthusiasts flying on oneworld alliance carriers seeking direct Avios accumulation, low forex markup, and premium lounge comforts.
₹10,000
One-time upfront₹5,000
Waiver terms not verified6X Avios/₹200 at Preferred Destinations (POS Only), 5X Avios/₹200 for Spends on Qatar/British Airways Website, 3X Avios/₹200 for Online Spends at Preferred Destinations and 1X A...
On eligible spends8 Domestic + 8 International visits/year · ₹50k quarterly spend required (Domestic)
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IndusInd Bank Avios Visa Infinite Credit Card is India's most focused airline loyalty credit card for oneworld alliance frequent flyers, offering direct co-branding with both British Airways Executive Club and Qatar Airways Privilege Club. Cardholders select their preferred airline loyalty program at onboarding, receiving a substantial **20,000 bonus Avios welcome gift** upon paying the ₹10,000 + GST joining fee. Given that Avios frequently yield ₹1.20 to ₹1.80 per point when redeemed for business or economy award flights, the welcome bonus alone can deliver ₹24,000 to ₹36,000 in flight redemption value. The ongoing earning structure provides dependable, direct points crediting with zero manual transfer friction: cardholders earn **5 Avios per ₹200 spent** on international POS and domestic retail transactions, and an accelerated **6 Avios per ₹200 spent** on direct British Airways and Qatar Airways flight bookings. Overseas spending is further incentivized through a discounted **1.50% Foreign Currency Markup**, saving more than half the standard foreign exchange penalty charged by competitors. Airport privileges match its international stature: 8 complimentary domestic lounge visits per year (2 per quarter) plus **8 complimentary international lounge visits annually** (2 per quarter via Priority Pass) with 2 complimentary airport meet-and-greet services per year. Key caveats include the non-waivable ₹5,000 annual renewal fee and the inherent dependency on airline award seat availability. For travelers committed to flying British Airways, Qatar Airways, Finnair, or American Airlines, this card is an exceptional mile-generating machine.
6X Avios/₹200 at Preferred Destinations (POS Only), 5X Avios/₹200 for Spends on Qatar/British Airways Website, 3X Avios/₹200 for Online Spends at Preferred Destinations and 1X Avios/₹200 for Spends on Utilities, Insurance and Government Services
20,000 Bonus Avios
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| International Spends | 5 Avios per ₹200 spent internationally (1 Avios = ~₹1.00) | No Cap | Standard terms apply |
| Domestic Retail Spends | 2 Avios per ₹200 spent domestically | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| International Spends | ₹12,000 | 5 Avios per ₹200 spent internationally (1 Avios = ~₹1.00) | — | None | Calculating... | Under cap |
| Domestic Retail Spends | ₹18,000 | 2 Avios per ₹200 spent domestically | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹5,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹10,000 + 18% GST. • Annual Renewal Fee: ₹5,000 + 18% GST from Year 2 onwards (strictly non-waivable). • Welcome Benefit: 20,000 bonus Avios credited directly to your British Airways Executive Club or Qatar Airways Privilege Club account on fee settlement. • Accelerated Rewards: 6 Avios per ₹200 spent on direct British Airways (ba.com) and Qatar Airways (qatarairways.com) flight ticket bookings. • General Rewards: 5 Avios per ₹200 spent on all other eligible domestic and international retail transactions. • Direct Credit: Avios are automatically credited monthly to the member's airline frequent flyer account without transfer fees. • Foreign Currency Markup: 1.50% + GST on foreign exchange transactions. • Domestic Lounge Access: 8 complimentary domestic airport lounge visits per year (max 2 per calendar quarter). • International Lounge Access: 8 complimentary international lounge visits per year (max 2 per calendar quarter via Priority Pass). • Airport Concierge: 2 complimentary domestic airport meet-and-assist services per calendar year. • Entertainment Benefit: Buy 1 Get 1 free movie ticket up to ₹500 off on BookMyShow twice per calendar month. • Finance Charges (APR): 3.83% per month (46.00% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹5,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IndusInd Bank Avios Visa Infinite Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IndusInd Bank portal with paperless verification.
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