IndusInd Avios Visa Infinite
KeepThe only Indian card that earns Avios straight into your BA or Qatar account — no transfer, no haircut.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 20,000 bonus Avios as a joining benefit (same for the Qatar or BA track)
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹5,200 gross (earn ₹200 + milestones ₹5,000) against its ₹5,000 fee = ₹200 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
Avios is the rare Indian co-brand that skips the middle currency entirely: you pick The British Airways Club or Qatar Privilege Club at signup and every Avios lands directly in that account, worth a clean ₹1 at our anchor with real Qsuite and short-haul sweet spots on top. The engine is 3 Avios per ₹200 on everyday spend — a modest 1.5% — but it stacks: 20,000 Avios to join, 5,000 every renewal that roughly cancels the ₹5,000 fee, and two 18,000-Avios milestones at ₹8L and ₹16L that push a ₹3L-a-month spender past 2.5%. Push spend onto the BA or Qatar site (2.5%) or a preferred international POS (3% with 1.5% forex) and it earns like a premium card should. The catch is the ₹10,000 joining fee and the single-alliance lock-in — brilliant if you fly oneworld, dead weight if you don't. Utilities, insurance, government and education crawl at 1 Avios/₹200, so keep the household bills off it.
Your renewal — keep, downgrade or cancel
This card covers its own renewal fee at any spend we model — the question is what else you hold, not whether to keep it.
Keep, downgrade or cancel
₹5,000/yr at stake · 5 spend bands
The charge ₹10,000 joining, then ₹5,000/yr
Break-even It clears its own fee at every spend we model, from ₹1,000 a month up. The question here is whether you use it, not whether it pays.
At your spend
₹3,900 a year, net of the fee, at ₹3,00,000 of annual spend
₹7,900 a year, net of the fee, at ₹6,00,000 of annual spend
₹33,700 a year, net of the fee, at ₹12,00,000 of annual spend
₹83,200 a year, net of the fee, at ₹36,00,000 of annual spend
₹1,14,600 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
IndusInd Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 3 Aug 2026 SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme a program these points reach
- 25 Jul 2026 Qatar Avios quietly returns to Axis at the punished grid a program these points reach
- 15 Jun 2026 IndusInd doubles its DCC fee to 2% on the mass shelf, and holds 1% on the premium one issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Direct Avios earn — points land in your BA or Qatar account, no transfer step or ratio haircut
- 20,000 Avios welcome + 5,000 Avios every renewal (offsets most of the ₹5,000 annual fee)
- Up to 36,000 milestone Avios a year at ₹8L + ₹16L annual spend
- 1.5% forex at preferred international destinations (3.5% elsewhere) + 3 Avios/₹200 there
- 2 domestic + 2 international lounge visits per quarter (complimentary Priority Pass)
Watch out
- ₹10,000 joining fee, then ₹5,000 a year — no spend-based fee waiver
- Everyday earn is only 1.5% (3 Avios/₹200); the value needs BA/Qatar-site or overseas spend
- Utilities, insurance, government and education earn a token 1 Avios/₹200
- One-alliance lock-in: you choose BA or Qatar up front and the Avios flow there
- 1% fee on utility spend >₹25k, wallet loads >₹20k, education (third-party) >₹45k and fuel >₹50k per cycle; 1% DCC from 15-Jun-2026 on rupee-billed foreign transactions
What these points actually fly
You hold this — the numbers below are your own points.
IndusInd Avios Visa Infinite earns Avios (BA / Qatar / Finnair) outright — no transfer, no ratio to lose on the way. The cheapest verified seat we hold in each cabin:
- Bengaluru → Colombo Economy 6,500 Avios (BA / Qatar / Finnair) the play
- Chennai → Colombo Business 14,000 Avios (BA / Qatar / Finnair) the play
What earns, what doesn't
13 sourced rules · 4 pay zero
- Fuel · excluded No Avios on fuel; 1% surcharge waiver ₹400–4,000, and 1% fee on fuel >₹50k/cycle (MITC)
- Rent & property management · excluded Earn on rent not published — most IndusInd co-brands exclude it (flag); the 1% third-party-rent fee is NOT levied on Avios (MITC)
- Wallet loads · excluded Wallet loads earn nothing (flag); 1% fee on wallet loads >₹20k/cycle (MITC)
- Utilities (electricity/water/gas) · reduced 1 Avios/₹200 (reduced bucket); 1% fee on utilities >₹25k/cycle (MITC)
per IndusInd Bank T&C (community-sourced) · rank every card by spend category →
Does your spend count toward the milestones?
not published — and we say which
A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. IndusInd Bank states what the IndusInd Avios Visa Infinite earns and does not earn, but has not published which spend categories count toward the milestones . We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
735 of 793 tracked doors
Opens 735 of 793 tracked lounge doors across 294 airports , via Priority Pass India, Priority Pass Global, Visa — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
IndusInd Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official IndusInd Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Joining ₹10,000 + GST, annual ₹5,000 + GST (charged after 12 months), no spend-based waiver. Rent-payment 1% fee NOT levied on Avios; but 1% fee on utilities >₹25k, wallet loads >₹20k, third-party education >₹45k and fuel >₹50k per statement cycle. Co-brand with Avios Group (AGL) Ltd and Qatar Airways Group. Income/age not published in the MITC — shown as not published.
per the official IndusInd Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programmeSBI Card Travel Credits transferred 1:1 into Etihad Guest, one of eighteen airline partners in §3 of the MILES rewards T&C. At the ₹1/partner-mile anchor that was a full-value exit, and it was the only route left after the two Etihad Guest SBI co-brands were retired. → No Etihad route at all. The MILES rewards T&C now lists seventeen airline partners and Etihad is not one of them — the word does not appear anywhere in the seven-page document. Every other SBI partner survives at the same ratio.
SBI Card's own MILES rewards T&C, re-fetched on 22 August 2026 and carrying a 3 August 2026 ModDate inside the PDF, has one fewer airline in it than the edition this desk read on 2 August. The deletion is provable from the numbering rather than from absence alone: the table's first seven rows are unchanged (Air Canada 3, Air France-KLM 4, Air India 5, British Airways 6, Cathay 7), and every row from position eight onward has moved up exactly one — Thai from 14 to 13, Qantas from 17 to 16. Position eight was Etihad Airways / Etihad Guest / 1:1. All twenty-four other partners we carry, airline and hotel, are still there at the same ratios, so this is Etihad being dropped and not SBI narrowing transfers. The timing matters more than the ratio. SBI phased out the Etihad Guest SBI and Etihad Guest SBI Premier cards from December 2025 and reissued holders onto MILES products, and the transfer route was what made that migration survivable — a Premier holder who had spent six years earning Etihad miles could keep feeding the same account through Travel Credits. That is now closed, and India's remaining pipes into Etihad Guest run through BOBCARD's Etihad co-brands, not through SBI. If you hold SBI Travel Credits earmarked for an Abu Dhabi business seat, they are Aeroplan, Flying Blue, Avios or Maharaja points now. ON THE DATE: SBI publishes no notice and no cut-off. The date here is the day the desk read the change out of SBI's own document; the PDF's internal ModDate puts the edition at 3 August 2026, which is the earliest day we can prove, not an announcement.
- 25 Jul 2026Qatar Avios quietly returns to Axis at the punished grid
- 1 Jul 2026Pioneer Legacy's quarterly lounge visit now costs ₹1.5 lakh of spend
- 15 Jun 2026IndusInd doubles its DCC fee to 2% on the mass shelf, and holds 1% on the premium one
- 1 Apr 2026IndusInd Pinnacle's domestic lounge access goes spend-gated
- 25 Mar 2025IndusInd hikes redemption fee to ₹149, caps cash-outs at 50%
- 7 Mar 2025Legend loses lounge access entirely
- 1 Mar 2024Legend halves lounge visits, cuts cash value to ₹0.50
Every IndusInd Bank change we've dated → 10 events since 2016, 8 of them nerfs — worst year 2025.
Verified against IndusInd Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 5 of them, each with the day we read it
- official Product page — earn table (6/3/5/1 Avios per ₹200), 20k welcome, 5k renewal, 18k×2 milestones, 2 domestic + 2 international lounge visits/quarter
- official Master MITC / fee schedule PDF — joining ₹10,000, annual ₹5,000, "Condition for Waiver of Annual Fees: NA"; 1.5%/3.5% forex; 3%/mo interest; cash-advance waived
- official Co-brand MITC PDF — STALE on the AMOUNTS (still prints the launch ₹40,000 joining / ₹10,000 annual)
- community CardExpert review
- community InvestWithBull review (Feb-2026)