INDUSIND
Avios Visa Infinite Credit Card
Good fit for frequent travelers who value lounge access and low forex — ₹5,000 annual fee.
Top reasons to choose this card
- 8 complimentary lounge visits
- Low 1.5% forex markup
What you'd do with it
- Useful for travelers who need around 8 domestic lounge visits a year.
- Good for travel 1.5% forex · 2 per quarter lounge
- Moderate forex 1.5% forex markup
- Strong lounge access 2 per quarter domestic lounge
- Moderate rewards 1.5 pts / ₹100 on General spend
The catch Verify guest/add-on access and current airport lounge list before relying on lounge access.
- Waiver condition missing
- Annual fee known
- Forex markup known
- 2 per quarter domestic lounge
- Verify current lounge list
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹5,000 higher than 93 of 112 cards
- Joining fee
- ₹10,000
- Forex markup
- 1.5% lower than 90 of 111 cards
- Lounge access
- 2 per quarter domestic lounge · 2 per quarter international
- Reward rate
- 1.5 pts / ₹100
Good fit for
- Good for travel
- Strong lounge access
Still worth it?
Evidence-backed snapshotGood fit if
- Forex markup is low at 1.5%.
- Use this when the base earn rate is enough after checking caps, exclusions, and redemption terms.
- 2 per quarter domestic lounge
Verify before applying
- Annual fee known
- Waiver condition missing
- Forex markup known
- 2 per quarter domestic lounge
- Verify current lounge list
- Airport lounge list may change
- Monthly interest known
- Welcome benefit timing and claim process.
- Lounge terms to verify: 2 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward terms to verify: base earn is 1.5 points per ₹100, but caps, excluded categories, and redemption rules are not fully structured.
Next best move
Is this good for lounge access?
2 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 1.5%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Value depends on usage and waiver terms. GST may apply on the annual fee.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Watch outs
Before choosing this card- Annual fee is ₹5,000, so value depends on actual usage.
Reward reality
Point value · limits · exclusionsReward rules
Structured earn rates · eligibility · caps when they bindEstimated usage
Example usage at this monthly spend
- At this monthly spend, you'd earn: ~750 pts/month (base earn · uses base/general earn rate)
- Fee waiver conditions unclear — verify
- Forex cost ~₹750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsLounge Access
- Domestic (cardholder)
- 2 per quarter · verified 6 Jul 2026
4 sources agree · verify issuer terms before applying
Where to verify
- PaisaBazaar
- IndusInd official page
- CardInsider
- Operator-verified anchor
- International (cardholder)
- 2 per quarter — via Priority Pass · verified 6 Jul 2026 Requires Priority Pass card
4 sources agree · verify issuer terms before applying
Where to verify
- PaisaBazaar
- IndusInd official page
- CardInsider
- Operator-verified anchor
- Guest access
- Guests: paid access
- IndusInd Airport Lounge Access Program
- IndusInd Airport Lounge Access Program
Rewards
- Points per ₹100
- 1.5 pts value depends on redemption
Fees
- Monthly interest rate
- 3% / month
- Annual fee
- ₹5,000
- Joining fee
- ₹10,000
International Use
- Forex markup
- 1.5%
6 sources agree · verify issuer terms before applying
Where to verify
- IndusInd official page
- CardInsider
- PaisaBazaar
- BankBazaar
- IndusInd official Avios Visa Infinite Credit Card Doc Indusind Bank In page
- IndusInd official Avios Visa Infinite Credit Card Doc Indusind Bank In 2 Doc Indusind Bank In page
- Issuer site (verify current terms) (opens in new tab)
- Product tier
- Premium
Fuel Benefits
At the pump- Fuel surcharge waived on transactions of ₹400+.
Annual fee break-even math
When does this card pay for itselfAnnual fee is ₹5,000 and a clean break-even threshold is not clearly specified in the current snapshot.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Annual fee: ₹5,000.
- Forex markup currently listed at 1.5%.
- 2 per quarter domestic lounge · 2 per quarter international.
AI view
AI-assisted · not verified · display onlyValues surfaced by AI pointing to a source URL. Not validated by the refinery — reference only.
- annualWaiverSpend no spend-based renewal fee waiver
IndusInd Avios Visa Infinite T&C PDF states annual fee charged at end of 12 months from issue — no spend-based renewal fee waiver clause found.
Source ↗