What You Get
Key Benefits & Features
Everything the IndusInd Bank Avios Credit Card offers — broken down clearly so you can decide if it fits your lifestyle and spending habits.
Earn Avios — British Airways' loyalty currency — on every rupee spent in India. Avios are among the most versatile airline miles globally, redeemable on BA, Iberia, Qatar Airways and 30+ oneworld partners.
Avios earned transfer to the full British Airways Executive Club network including Iberia Plus, Qatar Privilege Club, Cathay Pacific Asia Miles, Alaska Mileage Plan and more — all via the oneworld alliance.
Unlimited complimentary domestic airport lounge access for the primary cardholder. Plus 4 international lounge visits per year via Priority Pass.
Earn at an accelerated rate on travel categories — flights, hotels, travel agencies — compared to the base rate on other spends.
Substantial Avios bonus on joining fee payment — typically enough for a one-way short-haul flight on British Airways or partner airlines.
Comprehensive travel insurance including flight delay, baggage loss, trip cancellation and medical emergency cover — essential for international travellers.
24/7 lifestyle concierge and complimentary golf rounds at premium Indian courses — rounding out a full premium lifestyle package.
Annual fee of ₹10,000 + GST waived on annual spend of ₹8 lakh or more in the card year.
All Costs
Fees & Charges
Complete fee breakdown. GST applicable on all fees. No hidden charges.
| Fee Type | Amount | Notes | Joining Fee | ₹10,000 + GST | Avios welcome bonus on joining |
|---|---|---|
| Annual Fee | ₹10,000 + GST | Waived on ₹8L annual spend |
| Add-on Card | ₹3,000 + GST | Per add-on cardholder |
| Finance Charge | 3.83%/month | 45.96% p.a. on revolving balance |
| Cash Advance | 2.5% (min ₹500) | No Avios on cash advances |
| Late Payment | ₹100–₹1,200 | Based on outstanding balance |
| Foreign Currency | 3.5% + GST | Avios partially offset forex cost |
| Fuel Surcharge | 1% waiver | On ₹400–₹5,000 at all pumps |
Our Take
SearchLocally Verdict
Pros
- ✓Only Indian card earning British Airways Avios
- ✓30+ oneworld partner redemption options
- ✓Unlimited domestic lounge access
- ✓Strong welcome Avios bonus
- ✓Comprehensive travel insurance
Cons
- ✗High ₹10,000 annual fee
- ✗3.5% forex markup — ironically expensive overseas
- ✗Limited appeal to non-BA/oneworld flyers
- ✗Avios value varies by route and availability
- ✗High income requirement
Help & Clarity
Frequently Asked Questions
Honest answers to the most common questions about this card.
What are British Airways Avios and how do I use them?
Avios are British Airways Executive Club's loyalty currency, redeemable for flights on BA, Iberia, Qatar Airways, Cathay Pacific, Finnair and 30+ oneworld alliance partners. You can book award flights, cabin upgrades and hotel stays. Avios are particularly valuable for short-haul Business Class bookings on partner airlines.
Is IndusInd Avios the only card that earns Avios in India?
IndusInd Avios is among the very few Indian credit cards that directly credit British Airways Avios — making it the top choice for India-based travellers who fly on oneworld alliance airlines. Most other Indian cards earn miles that transfer to Indian programmes like Air India or InterMiles.
Does the 3.5% forex fee reduce the value of Avios earned internationally?
Yes. The 3.5% forex markup means international spend is expensive. However, Avios earned on international transactions partially offset this cost — particularly for high-value purchases. For frequent international spenders, the card is still worth it for the Avios accumulation, but you should factor in the forex cost.
How many Avios do I earn per ₹100 spent?
The IndusInd Avios card earns approximately 1.5 Avios per ₹100 on all spends, with an accelerated rate on travel bookings. The exact earn rate should be verified at indusind.com as this can change.
What is the welcome Avios bonus?
A substantial Avios bonus is credited on payment of the joining fee — typically enough for a short-haul return flight on a partner airline in Economy. The exact welcome bonus amount should be verified at indusind.com at time of application.