IndusInd Bank has launched a multi-brand credit card called the IndusInd Bank Avios Credit Card, built on the Visa Infinite platform and co-branded with Qatar Airways Privilege Club and British Airways Executive Club. The card allows you to earn and redeem Avios, the shared reward currency of both airlines, and transfer Avios between the two programs at a 1:1 ratio.
Although the card may appear complicated at first, this review breaks down its features, fees, rewards and benefits so you can decide whether it fits your travel profile.
Table of Contents
- Overview
- Fees & Benefits
- Design
- Rewards
- Milestone Benefit
- Qatar Gold Benefit
- Airport Lounge Access
- Airport Meet & Greet Service
- Should you get it?
- My Experience
- Getting the Card
- Bottomline
Overview
| Type | Multi-brand Credit Card |
| Reward Rate | ~3.75% (with milestone spends) |
| Joining Fee | INR 10,000 + GST |
| Best for | Frequent travellers |
| USP | International meet & greet service |
The single plastic supports two loyalty program options: Qatar Airways Privilege Club or British Airways Executive Club. Avios earned on either variant are interchangeable and can be moved across programs when needed.
Fees & Benefits
| Joining Fee | INR 10,000 + GST |
| Welcome Benefit | Qatar: 20,000 Avios* British Airways: 20,000 Avios |
| Renewal Fee | INR 5,000 + GST |
| Renewal Benefit | 5,000 Avios (both QR & BA) |
| Renewal Fee waiver | None |
Note: The Qatar variant also offers a 10% discount on Qatar Airways flights originating from India.
The welcome and renewal Avios rewards generally offset the joining and renewal fees for most cardholders, making the card attractive if you value Avios and travel perks.
*** Best Avios Credit Card ***
Design
The card features a clean, elegant metal finish with a creative placement of the chip resembling a flight windshield. It feels premium and solid in hand, matching its positioning as a super-premium travel credit card.
Rewards
| SPEND TYPE | Avios (per INR 200) |
|---|---|
| Regular spends (domestic & international) | 3 |
| Qatar & British Airways spends | 5 |
| Preferred international destination (POS) | 5 |
| Utilities, government, education, insurance | 1 |
| International spends (online – preferred region) | 3 |
| International spends (POS – preferred region) | 6 |
Notes:
- Avios are credited within 10 days of statement generation.
- Avios are earned only up to your assigned credit limit each statement cycle.
The card offers a “preferred destination” option for international point-of-sale transactions: when selected at application, this region earns a higher Avios rate and benefits from a reduced forex markup of 1.5% (versus the standard 3.5% for other regions).
While base earn rates on regular spends are modest, milestone benefits significantly boost the overall effective reward rate for high spenders.
Milestone Benefit
| SPEND REQUIREMENT | MILESTONE BENEFIT | CUMULATIVE MILESTONE | EQUIVALENT AVIOS RATE |
|---|---|---|---|
| INR 8,00,000 | 18,000 Avios | 18,000 Avios | ~2.25% |
| INR 16,00,000 | 18,000 Avios | 36,000 Avios | ~2.25% |
Hitting milestone spends materially improves your overall returns. For example, spending INR 16 lakh in a year on the BA variant can yield roughly 60,000 Avios (36,000 from milestones + ~24,000 from regular spends), translating to an effective return near 3.75% in Avios. That level of earnings can approach the Avios needed for long-haul premium redemptions, such as business class between Mumbai and London.
Keep in mind Qatar and British Airways redemptions often carry higher taxes and surcharges, which affect out-of-pocket cost, though Avios availability on these carriers is often good. Intra-Europe redemptions, by contrast, usually offer strong value with lower taxes.
Qatar Gold Benefit
Update: The Qatar Gold benefit has been revoked.
Previously, choosing the Qatar Airways Privilege Club variant granted Qatar Gold status, which included perks such as meet & greet at Hamad International Airport (self +1), priority check-in, complimentary seat selection, extra baggage allowance, business lounge access, Qcredits for upgrades, a discount on Avios redemptions and better award availability. Those benefits made the card particularly attractive to frequent Qatar flyers, as Qatar Gold also confers oneworld Sapphire benefits across alliance partners. Since the benefit has been withdrawn, evaluate the card based on current fees, Avios earning and other travel services.
Airport Lounge Access
| ACCESS TYPE | VIA | LIMIT |
|---|---|---|
| Domestic lounge access | Via card network | 2 per quarter |
| International lounge access (Priority Pass) | Priority Pass membership | 2 per quarter |
Lounge visit limits are modest and appropriate for most cardholders who take one or two international trips per quarter. However, frequent travelers who connect through multiple airports may find the allowance consumed quickly.
Airport Meet & Greet Service
- 2 complimentary meet & greet services per year (card anniversary year)
- Approximate value: INR 10,000 per service
One standout feature is two complimentary international airport meet & greet services annually. This perk provides assistance through fast-track security and immigration, porter service and dedicated staff accompaniment at participating airports, delivering convenience and time savings—especially valuable in unfamiliar or busy foreign airports. The card is among the few in India to include this benefit without major restrictions.
Should you get it?
The welcome benefit alone offsets the joining fee for most applicants, and extra signup offers further increase the card’s initial value. If you can spend toward milestone thresholds (for example INR 16 lakh annually) the card delivers a strong Avios earning rate. Even if you are not a very high spender, the international meet & greet services, lounge access and airline-linked benefits can justify holding the card for frequent travellers who value convenience and Avios-based redemptions.
My Experience
I applied for the IndusInd Avios Credit Card (British Airways variant) as an upgrade from an EazyDiner co-branded card and received the physical card within a week. The card arrived in premium packaging with the card, welcome letter, benefits guide and a complimentary wallet. The unboxing and presentation felt premium and secure, and the metal card has a satisfying weight and finish.
The included wallet has a matt finish and complements the premium presentation.
Getting the Card
You can apply online for the IndusInd Avios Credit Card. The bank typically processes approved digital applications in about a week. When applying, specify your chosen card variant, preferred international destination for the enhanced earn region, and your Qatar or British Airways loyalty account number if you already have one.
*** Best Avios Credit Card in India ***
Bottomline
- Cardexpert Rating: 4.5/5
The IndusInd Bank Avios Credit Card is a strong option for travellers who want to accumulate Avios and use card-linked travel services. Its welcome reward and milestone structure can deliver excellent value for high spenders, while the international meet & greet benefit and premium presentation add tangible convenience for occasional and frequent international flyers alike. Evaluate the current benefit set—especially noting the removal of Qatar Gold—against your travel habits before applying.
What’s your take on the IndusInd Bank Avios Credit Card? Feel free to share your thoughts in the comments below.