Is IndusInd InterMiles Odyssey Amex Credit Card Worth It? Benefits, Drawbacks, Fees, Eligibility, And More - An Unbiased Review

IndusInd has introduced one of the most different credit cards in India like the IndusInd The IndusInd InterMiles Odyssey Amex Credit Card is the most attractive credit card that attracts the market by its travel rewards and attractive features. This card could be worthy of consideration in case you are a travel lover or an individual who likes accumulating points to make future travels. We shall now have a close look at its advantages, disadvantages, fees attached to it, and its eligibility.

Benefits of IndusInd InterMiles Odyssey Amex Credit Card

Reward System

• The price per 1 InterMile does not correspond to the exact price; it is dependent on the flight you are about to book. It varies from INR 0.17 to INR 0.50.

  
  

• The rate of creditcard holders getting 12 InterMiles on their weekend bookings at InterMiles.com will be 6.00.

  
  

• Weekends, The creditcard holders will receive 6 InterMiles on any transaction done in the credit card under booking ticket on any other platform. Cashback rate: Up to 3.00%.

  
  

• Booking air tickets using other platforms, creditcard holders will receive 4 InterMiles during weekdays. Cashback rate: Up to 2%.

  
  

Movie Benefits

The highest discount price one can receive in BookMyShow is fixed at INR 200 per month. Credit card holders will receive Buy 1 movie ticket and get 1 movie ticket for free every month at BookMyShow.

Travel Benefits

• Holders of creditcards will enjoy free membership of Priority Pass.

• The cardholders will receive 4 times domestic lounge visits (free).

• Air accident cap to INR 25 Lakh.

• No fuel surcharge.

• The members of the TravelPlus program are granted creditcard holders who will be entitled to free international lounge access 8 times annually and travel insurance, but at the expense of INR 5,000.

Drawbacks of the IndusInd InterMiles Odyssey Amex Credit Card

While there are many advantages, there are also some drawbacks to consider.

• Among them is the mileage redemption process, which is a complicated process. As it was stated above value of 1 mile earned as a reward is not hard and fast; it is determined by the flight you are booking. This is an extra complexity that some credit card users are confused about.

  
  

• The users will have to pay INR 5,000 on the TravelPlus program independently, so as to get access to international lounges 8 times annually, free of charge. This extra charge will reduce the attractiveness of the card, as a significant number of high-end credit cards will include free access to international lounges with no fee.

  
  

• Also, there can be a problem with the acceptance of American Express cards. Researches indicate that to the tune of 30 per cent of the vendors do not take the Amex cards, which would be a problem when travelling or when shopping online, and you might need a reliable card acceptance.

  
  

• Lastly, the card has limited non-travel perks.

Fees and Charges Associated with the Card

Understanding the fees tied to any credit card is essential.

• Joining Fee: INR 10,000.

• Annual Fee: INR 4,000.

• Interest rate: 3.83% per month, 46% annually

• Late Payment Fee: Between INR 100 and INR 1300, depending on the amount unpaid.

• Foreign Currency Markup Fee: 3.5%.

• Add-on card fee: NIL

Eligibility Criteria for the IndusInd InterMiles Odyssey Amex Credit Card

The IndusInd InterMiles Odyssey Amex Credit Card is available only through invitation.

Final Thoughts

IndusInd InterMiles Odyssey Amex Credit Card is an attractive offer to tourists in need of valuable rewards and perks. Yet, it is not very attractive to those who do not travel as the reward points are in intermiles. It is also a membership in Priority Pass and provides the traveller with great perks. All in all, this card is designed to improve your travel experience because of a good reward system, a variety of travel benefits, and additional insurance.

Nevertheless, it is critical to balance the benefits and the expenses, as well as possible challenges. Annual fees, redemption matters, and acceptance constraints are some of the factors that should be put into consideration.

If you want to read a more detailed review of this card and find out its AI-powered, unbiased rating, click here.

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