Fees & Charges

Joining Fee: ₹40,000, payable at the time of card issuance.

Annual Fee: ₹10,000, due after 12 months of card issuance.

Interest Rate: 3% per month (36% per annum).

Cash Advance Fee: Waived off for this credit card.

Replacement Fee: ₹100 for re-issue or replacement of the credit card.

Forex Markup Fee: 3.5% on all international transactions, with a reduced 1.5% at preferred international destinations.

Welcome Benefits

Choice of Loyalty Program:

When you sign up for the IndusInd Bank Avios Infinite Credit Card, you can choose between two elite loyalty programs: Qatar Airways Privilege Club or British Airways Executive Club.

Qatar Airways Privilege Club: Enjoy complimentary Gold tier membership, which includes perks like additional baggage allowance, priority check-in, Business Class lounge access, a 15% discount at Qatar Duty Free, and complimentary seat selection. Additionally, receive 20,000 bonus Avios within 15 days of paying the joining fee.

British Airways Executive Club: Receive 55,000 bonus Avios, credited to your account within 15 days of paying the joining fee.

Rewards

Avios as Reward Points: Earn Avios points that can be used with both Qatar Airways and British Airways for travel and other rewards.

Qatar Airways: Earn 2x Avios per ₹200 spent on the Qatar Airways website or mobile app. Additionally, enjoy a 10% discount on flights departing from India when booked through the Qatar Airways website or app.

British Airways: Earn 2x Avios per ₹200 spent on the British Airways website or mobile app.

General Spend: Earn 1x Avios per ₹200 spent on all other domestic and international transactions, regardless of the airline program chosen.

Accelerated Rewards

5x Avios at Selected Destinations: Earn accelerated 5x Avios per ₹200 spent at POS transactions in your chosen international destinations, making your travels even more rewarding.

Lower Forex Markup: Enjoy a reduced 1.5% foreign currency markup on POS and online spends made at your selected destinations.

Choice of Destinations: You can choose preferred destinations across various regions, including the Americas, North Asia, Europe, South Asia, Middle East, Africa, New Zealand, Australia, Far East, and more.

Reward Redemption

Flexible Redemption Options: Use your earned Avios to redeem a variety of rewards through Qatar Airways or British Airways.

Qatar Airways: Redeem Avios for award flights, class upgrades, shopping at Qatar Duty Free, booking with partner airlines, or using Cash + Avios for flight bookings.

British Airways: Use Avios for reward flights, class upgrades, booking British Airways Holidays, hotel stays, car rentals, travel experiences, and more.

Milestone Benefits

Earn Bonus Avios: The card offers significant milestone benefits, allowing you to earn up to 50,000 bonus Avios annually.

First Milestone: Earn 25,000 bonus Avios upon spending ₹8 Lakhs in a year.

Second Milestone: Earn an additional 25,000 Avios upon a second spending of ₹8 Lakhs in the same year.

Credit Timeline: The bonus Avios are credited within 10 days after the card statement generation once you achieve the milestone spend.

Renewal Benefits

Qatar Airways Privilege Club: Continue enjoying Gold membership by spending the equivalent of QAR 14,000 on the Qatar Airways website or app. Additionally, receive 5,000 bonus Avios within 15 days of paying the renewal fee.

British Airways Executive Club: Earn 10,000 bonus Avios as a renewal benefit, credited within 15 days of paying the renewal fee.

Travel Benefits

Airport Meet and Greet: Receive 2 complimentary Airport Meet and Greet services annually at top airports, including baggage assistance, priority check-in, and seamless immigration.

Service Details: Dedicated 1-to-1 service, meet and greet at the airport terminal, assistance with baggage, and porter service for up to 3 bags.

Priority Pass Membership: Enjoy complimentary Priority Pass membership with access to international airport lounges worldwide. The cardholder receives 2 lounge accesses per quarter.

Domestic Lounge Access: Relax with 2 complimentary domestic lounge accesses per quarter at participating lounges, with amenities like gourmet meals, free WiFi, and entertainment.

Airline Benefits

Exclusive Qatar Airways Discount: Cardholders opting for Qatar Airways Privilege Club can avail a 10% discount on all flights departing from India when booking via the Qatar Airways app or website using the code 'IDSCB23'.

Insurance Benefits

Comprehensive Coverage: The card includes various insurance benefits, offering peace of mind during your travels.

Overseas Medical Insurance: Coverage worth $25,000 for medical emergencies abroad.

Air Accident Insurance: Coverage of ₹2.5 Crores for air accidents.

Additional Coverage: Includes ₹1 Lakh for lost baggage, ₹25,000 for delayed baggage, ₹50,000 for loss of passport, and ₹25,000 for lost tickets or missed flight connections.

Concierge Services

Elderly Care Assist: The concierge service ensures your elderly family members are well taken care of while you travel. Services include homecare, medical appointments, and wellness consultations.

Access to International Events: Get assistance with tickets and planning for sold-out and iconic global events such as football matches, tennis tournaments, fashion shows, music festivals, and more.

Additional Concierge Services: Includes pre-trip planning, gift and flower delivery, hotel and dining reservations, and more.

Additional Perks

Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharge for transactions between ₹400 and ₹4,000 at fuel stations across India.

Total Protect Program: Provides protection against fraudulent activity up to your credit limit, covering unauthorized transactions, counterfeit cards, and misuse in case of a lost or stolen card.