IndusInd Bank Avios Visa Infinite Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Milestone Benefits: 25,000 bonus reward points after complete spending of Rs 800,000 in a year. 25,000 bonus Avios after you complete spend of another Rs 800,000 in a year.
Cashback Rate
- Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining &
- Entertainment Category – BookMyShow &
- Zomato
- 
- Travel Category – MakeMyTrip &
- Uber
- 
- Grocery Category – Blinkit &
- Reliance Smart Bazaar
- 
- Electronics Category – Croma &
- Reliance Digital
- 
- Fashion Category – Nykaa &
- Myntra
3% cashback any one E-commerce merchant of your choice
- 
- Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends
- Cashback credit card
-  
- Reward System: Cardholders will get 5% cashback on any two packs of their choice
- 3% cashback on any one E-commerce merchant of your choice- Amazon or Flipkart or PayZapp
- 1% unlimited cashback across all other spends
Movie Benefits
Dining Benefits
Get up to 25% off on dining through Swiggy Dineout.
Other Benefits
Instant digital credit card. Annual fee reversal on spend of Rs 50,000 in any year.
Lounge Access
2 free meet and greet services at the international airport. This includes assistance for smooth check-in, security, immigration and many other services.; Free membership to Priority Pass.; 2 free international lounge visits per quarter.; 2 free domestic lounge visits per quarter.; 25% off on retail rates on Airport Fast Track immigration service at over 450 destinations worldwide.
Fees & Charges
Joining Fee
INR 500 /- + Applicable Charges
Annual Fee
INR 500 /- + Applicable Charges
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.6% per month (i.e., 43.2% per annum)
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Cash Advance Charges: A transaction fee of 2.5% or ₹500 whichever is higher | Reward Redemption Fee: INR 99
Cons
Low cashback rate.
No movie benefits.
No dining benefits.
Welcome Benefit: Cardholder can choose either choose complimentary membership to Qatar Airways Privilege Club or British Airways Executive Club. In case of choosing Qatar Airways cardholder will get 20,000 reward points (Avios). In case of British Airways, the cardholder will get 55,000 points.
Reward System: Users will earn 2.5 Avios for every INR 100 spent in selected preferred international destinations for Point of Sale transactions and 1 Avios for every INR 100 spent on Qatar Airways & British Airways website and app. Users will earn 0.5 Avios for every INR 100 spent on all other spends (Except fuel). The value of 1 Avios varies and is not fixed, it depends on the flight you are using to book using the Avios. Typically the value of 1 Avios is between INR 0.5 and INR 1.
Low forex markup of 1.5%.
Milestone Benefits: 25,000 bonus reward points after complete spending of INR 800,000 in a year. 25,000 bonus Avios after you complete spend of another INR 800,000 in a year.
Renewal Benefits: Renewal of Gold membership tier with Qatar Airways (gold membership tier would be renewed only on spending the equivalent of QAR 14,000 on www.qatarairways.com or on the Qatar Mobile app in a year). In the case of British Airways, the renewal benefit would be 10,000 reward points (no minimum spend requirement).
2 free meet and greet services at the international airport. This includes assistance for smooth check-in, security, immigration and many other services.
Free membership to Priority Pass.
2 free international lounge visits per quarter.
2 free domestic lounge visits per quarter.
10% off for flight bookings made on www.qatarairways.com or the Qatar Airways mobile app.
Free air accident cover of INR 60 Lakh.
Free Lost baggage insurance of INR 100,000.
Free lost ticket insurance of INR 25,000.
Free missed connection insurance of INR 25,000.
Free loss passport insurance of INR 50,000.
Zero fuel surcharge.
24x7 concierge service.
25% off on retail rates on Airport Fast Track immigration service at over 450 destinations worldwide.
20% off on booking limos.
Reward System: Earn 2.5 Avios for every INR 100 spent in selected preferred international destination for Point of Sale transactions.Earn 1 Avios for every INR 100 spent on Qatar Airways & British Airways website and App. Earn 0.5 Avios for every INR 100 spent on all other spends (Except fuel). Value of 1 Avios varies and is not fixed, it depends on the flight you are using to book using the Avios. Typically the value of 1 Avios is between INR 0.5 and INR 1.
Rewards & Benifits
Welcome Benefits
Welcome Benefit: Cardholder can choose either choose complimentary membership to Qatar Airways Privilege Club or British Airways Executive Club. In case of choosing Qatar Airways cardholder will get 20,000 reward points (Avios). In case of British Airways, the cardholder will get 55,000 points.
Rewards System
International Forex Markup
1.5% + GST at preferred destination, 3.5% + GST all other destinations.
Welcome Benefits and Reward System
Special Features
Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining & Entertainment Category – BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart Bazaar
- Electronics Category – Croma & Reliance Digital
- Fashion Category – Nykaa & Myntra
3% cashback any one E-commerce merchant of your choice
- Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends.
Eligibility Criteria
You must be an Indian citizen.
You must be 21-60 years of age.
Your net monthly income must be greater than INR 25,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement.
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
Contact Details
1800 1600
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefit: Cardholder can choose either choose complimentary membership to Qatar Airways Privilege Club or British Airways Executive Club. In case of choosing Qatar Airways cardholder will get 20,000 reward points (Avios). In case of British Airways, the cardholder will get 55,000 points.
Reward System: Users will earn 2.5 Avios for every INR 100 spent in selected preferred international destinations for Point of Sale transactions and 1 Avios for every INR 100 spent on Qatar Airways & British Airways website and app. Users will earn 0.5 Avios for every INR 100 spent on all other spends (Except fuel). The value of 1 Avios varies and is not fixed, it depends on the flight you are using to book using the Avios. Typically the value of 1 Avios is between INR 0.5 and INR 1.
Low forex markup of 1.5%.
Milestone Benefits: 25,000 bonus reward points after complete spending of INR 800,000 in a year. 25,000 bonus Avios after you complete spend of another INR 800,000 in a year.
Renewal Benefits: Renewal of Gold membership tier with Qatar Airways (gold membership tier would be renewed only on spending the equivalent of QAR 14,000 on www.qatarairways.com or on the Qatar Mobile app in a year). In the case of British Airways, the renewal benefit would be 10,000 reward points (no minimum spend requirement).
2 free meet and greet services at the international airport. This includes assistance for smooth check-in, security, immigration and many other services.
Free membership to Priority Pass.
2 free international lounge visits per quarter.
2 free domestic lounge visits per quarter.
10% off for flight bookings made on www.qatarairways.com or the Qatar Airways mobile app.
Free air accident cover of INR 60 Lakh.
Free Lost baggage insurance of INR 100,000.
Free lost ticket insurance of INR 25,000.
Free missed connection insurance of INR 25,000.
Free loss passport insurance of INR 50,000.
Zero fuel surcharge.
24x7 concierge service.
25% off on retail rates on Airport Fast Track immigration service at over 450 destinations worldwide.
20% off on booking limos.
Reward System: Earn 2.5 Avios for every INR 100 spent in selected preferred international destination for Point of Sale transactions.Earn 1 Avios for every INR 100 spent on Qatar Airways & British Airways website and App. Earn 0.5 Avios for every INR 100 spent on all other spends (Except fuel). Value of 1 Avios varies and is not fixed, it depends on the flight you are using to book using the Avios. Typically the value of 1 Avios is between INR 0.5 and INR 1.
Low cashback rate.
No movie benefits.
No dining benefits.
The card comes loaded with value add features. The card is one of the most premium credit card for travel enthusiasts.
The card comes loaded with value add features. The card is one of the most premium credit card for travel enthusiasts.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining Fee: INR 40,000
Annual Fee: INR 10,000
Interest Rate: 3% per month and 36% per annum.Late Payment Fee: Between INR 100 and INR 1300 depending on the amount unpaid.
Cash Advance Fee: Waived.
Foreign Currency Markup Fee:1.5% + GST at preferred destination, 3.5% + GST all other destinations.
Fuel Surcharge
1%, waived for transactiions between INR 400 and INR 4000.
Billing Cycle
30 days