IndusInd Bank Avios Credit Card Review

By | August 23, 2023
IndusInd Bank Avios Credit Card Review

IndusInd Bank has some of the best Co-brand Credit Cards in the country at the moment that includes EazyDiner & Vistara Credit Cards. Now with Qatar & British Airways as international airline partners the bank has launched a multi-brand Credit Card called IndusInd Bank Avios Credit Card as announced few months ago.

The card works on the Visa Infinite platform and it enables one to earn and redeem Avios across Qatar & British Airways as it’s the shared reward currency of both the airlines.

While the card might look complex at a quick glance, this article would make it simple for you to decide if you need to take one. Here’s the detailed review of the card,


TypeMulti-brand Credit Card
Reward Rate~3.5%
Joining Fee40,000+GST
Best forFrequent travellers
USPInternational Meet & Greet benefit

While sharing the same plastic, technically the IndusInd Bank Avios Credit Card works like two different credit cards, depending on the preferred loyalty program you choose:

  • Qatar Airways Privilege Club
  • British Airways Executive Club

Note that Avios remain the same on both variants and one can also transfer Avios between the partners at 1:1 anytime.

Hence the difference ideally comes with the joining/renewal benefits linked to the respective variant.

Fees & Benefits

Joining Fee40,000 INR+GST
Welcome BenefitQatar: Gold tier + 20,000 Avios
British Airways: 55,000 Avios
Renewal Fee10,000 INR+GST
Renewal BenefitQatar: 5,000 Avios + Gold tier (3L Spend on Qatar Airways Website or mobile App)
British Airways: 10,000 Avios
Renewal Fee waiverNil

Note: Qatar variant also comes with 10% off on Qatar flights originating from India.

While the joining fee is quite high to begin with, the renewal fee is fortunately very much affordable for the benefits it comes with.

That aside, I wish the spend requirement for Gold tier renewal on Qatar variant is not just limited to spends on Qatar.


The design not only looks neat, elegant and simple but also the designer is quite clever to place the chip on flight’s windshield. Otherwise, it feels like a typical heavy metal credit card while holding in hand.


(per 200 INR)
Regular Spends (Domestic & Intl)1
Spends on Qatar & British Airways2
Spends at Preferred international destination (POS)5


  • Avios would be credited to the account within 10 days of statement generation just like the Vistara cards.
  • Avios will be earned only for spends up to the assigned credit limit in every statement cycle.

For International POS spends, the card comes with a concept called “preferred destination” which not only comes with better earn rate but also a lower forex markup fee of 1.5% instead of regular 3.5% which applies to all other destinations.

This preferred destination has to be chosen while applying for the card.

While the rewards on “regular spends” are on the lower side, the milestone benefit gives a very good push to these numbers, let’s see that now.

Milestone Benefit

8 Lakhs25,000 Avios25,000 Avios
16 Lakhs25,000 Avios50,000 Avios

The milestone benefit certainly gives a good push to the overall reward rate on the card. So if you’re considering rewards, hitting milestone spends is essential to get maximum value out of the product.

Spending 16L on the BA variant would give you a total of 113K Avios (50K via milestone spends + 8K via regular spends + 55K via welcome benefit) which is sufficient to book 2 economy tickets (or) 1 Business Class ticket from Mumbai to London.

The downside is that Qatar & BA are known for their high taxes. But that’s also primarily the reason for it’s availability to be pretty good compared to others.

Qatar Gold Benefit

Here are the benefits we get via Qatar Gold membership when one chooses Qatar Airways Privilege Club as preferred loyalty program.

  • Meet & greet Service in Qatar for self +1 (at Hamad International Airport)
  • Priority Check-in at business class counters
  • Complimentary Seat Selection
  • Extra Baggage Allowance
  • Access to Business Class Lounges
  • Invite friends to lounge at Hamad International Airport, 4 per year
  • Receive 40 Qcredits to redeem for upgrades, extra baggage, etc
  • 5% Off on Avios redemptions
  • Better award seat availability
  • Change or cancel your booking free of charge

For frequent travellers on Qatar, this is a wonderful benefit without a doubt as getting Qatar Gold is not easy by any means.

On top of that, with Qatar Gold one gets the “Oneworld Sapphire” status which gives access to additional travel benefits across all Oneworld partners.

Airport Lounge Access

Domestic Lounge AccessVisa / Mastercard2/Qtr
International Lounge Access (Primary)Priority Pass2/Qtr

While the limits are bit low, I think it makes sense for this card, as it’s quite obvious that one might not do over 1 (or) 2 international trip in a quarter ideally.

Nevertheless, 8/Yr would have looked much better as lounge access at connecting airports consumes the limit faster.

Airport Meet & Greet Service

  • 2 complimentary service per year (Card anniversary year)
  • Value: ~10,000 INR per service

With IndusInd Bank Avios Credit Card we get International Airport meet & greet service across the globe. Here are the list of airports covered.

This is the only card in India at the moment that provides international meet & greet services with no strings attached.

With this service, we get access to fast track security lane and quicker immigration clearance all while being accompanied by the airport staff & a porter.

I’ve covered the domestic airport meet & greet experience in India and its going to be largely similar.

Having used the domestic meet and greet services over 15 times at domestic airports in India in the last 4 years, I can say that it will be of immense value in a foreign country because domestic meet & greet services are more of a “luxury and fun” to fly like a celebrity but international meet & greet services are “essential” at times.

It saves a lot of time, energy and gives peace of mind while travelling to a foreign country.

Should you get it?

There could be various reasons one would get the IndusInd Bank Avios Credit Card. Here are few reasons as to why you would need this card:

  1. If you fly Qatar economy often, Qatar variant with Qatar Gold tier benefit is a blessing, as it enhances your travel experience a lot.
  2. If you’re an airmiles enthusiast, spending 16L on the BA variant would give you a handsome 113K Avios to play with.

For most of us here, the #2 will be the reason and if you value international meet & greet service as much as I do, then it’s no brainer.

Getting the Card

  • Fresh Card: Can be applied via RM/branch or on the website.
  • Upgrade: If you already hold an IndusInd Bank Credit Card, call customer support and request for an upgrade. Minimum credit limit for upgrade keeps changing from time to time.

IndusInd Bank takes 1-2 weeks to process the digital applications and upgrades are lot faster.

Note: While applying for the card, you’ll need to mention: card variant, preferred destination & Qatar/BA loyalty account number (if you’re already a member).

My Experience

I recently applied for “IndusInd Bank Avios Credit Card – BA” Variant as an upgrade from IndusInd Bank EazyDiner Credit Card and got the card delivered in a week.

The card comes in a premium package, securely covered in a layer of bubble wrap. I’m seeing such a care given to the outer card package for the first time.

The package contains the Card, welcome letter, card benefits guide & a wallet. Here are some unboxing pics:

IndusInd Bank Avios Credit Card - Package
IndusInd Bank Avios Credit Card - box
IndusInd Bank Avios Credit Card - open view
IndusInd Bank Avios Credit Card - closer look on card
IndusInd Bank Avios Credit Card - benefits guide

The card wallet in matt finish looks good, as you can see in the above image.


  • Cardexpert Rating: 4/5

Overall the IndusInd Bank Avios Credit Card is a decent card to earn Avios and explore the unique card linked benefits like: Qatar Gold & meet and greet service.

The International meet and greet benefit on the card is quite a surprise to me and I hope to see it on other IndusInd Super Premium Credit Cards as well in the future.

That said, I’ll cover the International meet & greet experience in a month (or) so once the Visa god’s in Europe approve my Visa, which is in mid-way at the moment.

What’s your take on IndusInd Bank Avios Credit Card? Feel free to share your thoughts in the comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

22 thoughts on “IndusInd Bank Avios Credit Card Review

  1. Ankur S

    Great review. Is this metal card profile similar to Axis Magnus ? does it look good in hand ?

    1. Siddharth Post author

      It’s heavy, more like Infinia or Amex Plat.

      Magnus is quite light and people can easily assume it to be plastic.

    1. Siddharth Post author

      They both are totally different type of cards.

      Atlas Card – anyone can have it and explore so many transfer partners, serves to wide set of profiles
      Avios Card – very few have the ability to spend & fly with Avios on BA (or) fly often on QR to take value out of it.

  2. rahul

    meet and greeet outside india , at least in Abu Dhabi is very different. no like what you get at indian airport with Axis. In Abu dhabi, they bring land cruiser for you once you arrive at regular terminal, take you to VIP terminal in that and make you sit in a lounge there and complete your immigration and other formalities and fetch your baggage for you in lounge itself and than you are good to go. you just have to sit in lounge. meet and greet will do everything for you in lounge itself, that is service. what they are doing in India , is just giving you a helping hand, a costly helping hand.

    1. Siddharth Post author

      That’s very interesting. Thanks for sharing. But isn’t it applicable only to the airline initiated meet & greet services?

      Also, are you aware of any other country with meet & greet services like this?

      1. Rahul

        No, you can pay for it and have the service. I guess it was 100$ per head.

        Most of middle east destinations have this.

  3. VarunKrish

    Good review Sid.

    I had applied for the card on their website and they sent me the Qatar variant by mistake and the form never asked for the preferred airline.

    I am completely new to IndusInd and they opened a free zero balance account(optional) along with this card application. I would suggest not applying online but going to a branch and applying for it.

    Thankfully customer care is taking care of this and I should be getting the correct card this week.

    55000 avios is good value for the expensive first year fee though. BA and India taxes are crazy high. Going via Colombo can help reduce taxes a bit for redemption bookings.

    What preferred destination did you pick?

    1. Siddharth Post author

      Good to see you here Varun.

      “Europe and North Asia” is what I took, but ideally I would use IndusInd Vistara Explorer card at 0% markup when in need.

  4. Anil

    Hi Siddharth , That’s a great review of the card as you have done it previously for other cards . I currently own IndusInd club Vistara explorer credit card and I am interested in this newly launched card . So do you think , IndusInd will provide me a second card with different limit ? As I came to know that they will provide second card only on split basis of existing card limit ? Your help is appreciated 😊

    1. Siddharth Post author

      Ideally you’ll have to split the limit and get the 2nd one. Should be possible to get 2nd if there is sufficient limit and good banking relationship.

  5. Surya

    Few clarifications:
    1. If we take BA variant, do we get Qatar gold?
    2. And if don’t get Qatar Gold then how can you avail the Meet & Greet service in Europe? Coz Meet & Greet service comes with Qatar Gold.
    Correct me if I’m wrong.
    3. To retain Gold status we need to spend 3L on Qatar website, but if you spend the same 3L on Atlas you get 30000 Airmiles. Isn’t this a better option?

    1. Siddharth Post author

      1. No
      2. both are different, please go through the article.
      3. 2nd Year for QR variant is not lucrative indeed.

      1. Amit

        I understand there is 10% discount at Qatar website on Qatar variant if the card. So there should be no loss as compared to Atlas for purpose of spending 3 lacs. Also any idea if card holder has to travel to get 10% discount on Qatar fare?

        1. Siddharth Post author

          10% on Qatar is tricky, for ex, it doesn’t was with connecting flights.
          So it’s better to go with Atlas if that’s your only requirement.

  6. Popenski

    Was your BAEC number correct ? For mine they generated a brand new BAEC membership even after me providing my existing BA FFP number.

    1. Siddharth Post author

      I got a diff BA number as well and I’m told to call BA and merge the accounts which I’m yet to do.

  7. Sunil roy

    Hi Sid, don’t u think the point is very very low. People take cobrand cards to earn miles when not flying. If I use it for regular spends and yearly spend is less than 8 lakhs then it’s of no value.
    Also at 40k Fee point, we can take infinia/aurum/magnus/au bank zenith and scb ultimate

    1. Siddharth Post author

      Certainly too low if 8L/16L is not hit. They’ve done it on purpose perhaps.

      Nevertheless these milestone points + meet & greet certainly gives good value.

      But the fee is certainly high. I’m assuming we may have a lower fee variant eventually after few months, just like it happened with Vistara card.

  8. aakash cjb

    Well we can convert BA to QR Avios right?
    Or does this have nay restriction ion welcome points?


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