InterMiles IndusInd Bank Voyage Credit Card
CancelThe cheap seat in IndusInd's InterMiles range. Switched off for new and existing holders alike.
no published fee to price it against
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Welcome and renewal benefits were paid in InterMiles plus flight and hotel discount vouchers for intermiles.com — see the sources for the era's figures; none of it is claimable today
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. Everything we can source — the earn rate, the transfer routes, the lounge doors — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until IndusInd Bank publishes a fee schedule we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #789
Why #789 The lower rung of IndusInd's InterMiles co-brand — the Odyssey's cheaper sibling, and dead in the same sentence of the same PDF. Carried because readers still hold the plastic and still hold InterMiles balances, and because IndusInd's marketing pages for it are still live: a search should land on what happened to the card, not on the pitch.
The take
The Voyage sat a rung below the Odyssey and sold a thinner version of the same story: accelerated accrual on flights and hotels booked through intermiles.com, double accrual at weekends, a complimentary InterMiles membership, a Priority Pass membership for you and a partner, BookMyShow offers, concierge, Auto Assist and the same Oriental Insurance travel table running to ₹2.25 lakh in cover. Its own value table put the whole bundle at about ₹17,658 a year against the Odyssey's ₹28,058, and the accrual ceiling was lower too. All of it is over. IndusInd's premium MITC mentions the Voyage in exactly one place — the "Discontinued cards" line under the fee table — and both of the bank's surviving product pages carry a notice that goes past the usual closed-to-new-applicants language: "we have discontinued this product for new sourcing as well as the existing credit cards and same is only displayed as a reference for existing IndusInd Bank InterMiles Credit Card holders." So there is no fee here: no fee row exists in the schedule of charges. The accrual it DID pay is now priced — 2 InterMiles per ₹100 on ordinary weekday spend on the Visa form, 0.40% at the ₹0.20 InterMiles house value, with the Amex form a rung better at 3 — but it is a record rather than an offer, because the currency underneath it is a programme that stopped honouring flight and hotel redemptions from October 2023. If you are still holding one, the card is not the problem. The balance is — it sits in your InterMiles account, not on the plastic, and cancelling the card neither returns it nor protects it. Go and see what is left there.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
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 we cannot price either side of it.
What has changed under this card
- 15 Jun 2026 IndusInd doubles its DCC fee to 2% on the mass shelf, and holds 1% on the premium one issuer-wide
- 25 Mar 2025 IndusInd hikes redemption fee to ₹149, caps cash-outs at 50% 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
- Carried for the record: the entry rung of IndusInd's InterMiles co-brand, one of the two big Indian credit-card feeds into the programme
- Issued on both Visa and American Express, on the one MITC line that now reads only 'Discontinued'
- Oriental Insurance travel cover up to ₹2.25 lakh in total — ₹1,00,000 lost baggage, ₹50,000 lost passport, ₹25,000 each for delayed baggage, a lost ticket and a missed connection
Watch out
- DISCONTINUED for new sourcing AND for existing cards — IndusInd's own product pages say so in those words; the pages remain up only as a reference for holders
- The card appears in IndusInd's premium MITC exactly once, inside the 'Discontinued cards' sentence — no fee row, no interest-group row, no forex line
- The 0.40% takes the LOWEST published rung — the Visa form's weekday general rate; the Amex form paid 3 per ₹100 and both paid more at weekends
- What that rate BOUGHT is the catch: InterMiles withdrew full redemption on 27 October 2023, so the miles it paid now only chip a slice off a voucher
- Any InterMiles balance sits in your InterMiles account, not on the card — closing the card does not hand it back, and does not protect it
- The Visa and Amex forms were never the same card in practice: the Priority Pass and Travel Plus programmes are stamped 'Not applicable on InterMiles Voyage American Express Card' on both pages
- No lounge access is claimed here and none is mapped: the Priority Pass was a MEMBERSHIP rather than a visit allowance, the paid Travel Plus enrolment sat on top of it, and the Amex form was carved out of both — with the card switched off, none of it opens a door today
- Accrual was ceilinged at 50,000 InterMiles a year; lifting it cost ₹7,500 plus GST as an uncapping charge
What these points actually fly
No live transfer route takes InterMiles into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
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.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot, and neither can anyone who already holds one. IndusInd's disclaimer on both the Visa and the American Express page reads "we have discontinued this product for new sourcing as well as the existing credit cards", and points holders at premium.care@indusind.com or 1860 267 7777. The pages stay up as a reference only.
IndusInd Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
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.
- 1 Jul 2026Pioneer Legacy's quarterly lounge visit now costs ₹1.5 lakh of spend1 complimentary domestic lounge visit a quarter, no spend condition → From the Jul–Sep 2026 quarter, the visit unlocks only on ₹1,50,000 of previous-quarter spend
The spend-tracking regime IndusInd switched on in April now bites: from the July–September 2026 quarter, Pioneer Legacy's single complimentary domestic lounge visit is granted only if you put ₹1.5 lakh through the card the quarter before. Legacy sits in the same ₹1.5L tier as Pinnacle; Indulge, Solitaire and Crest need ₹5 lakh for theirs. The gate covers the domestic visit — the Priority Pass international allowance isn't part of this condition. On a private-banking card with a ₹50,000 retail joining fee, spend-gating one lounge visit a quarter is a remarkably small door to put a toll on, and IndusInd did it anyway.
- 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 entirely1 complimentary domestic lounge visit per quarter → No complimentary lounge access at all
A year after halving Legend's lounge visits, IndusInd came back and took the rest. From 7 March 2025 the card offers no complimentary lounge access, domestic or otherwise — on a product still marketed with a ₹5,000 joining fee. The lifetime-free Legend crowd shrugs; anyone who paid for this card on the strength of its airport perks got a two-step lesson in how IndusInd sunsets a benefit.
- 1 Mar 2024Legend halves lounge visits, cuts cash value to ₹0.50
- 17 Aug 2023IndusInd launches the Avios card — BA and Qatar in one
- 3 Aug 2023IndusInd's lifetime-free Tiger prowls in
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
Not published , and we will not invent it: the annual fee.
Every document behind this page — 3 of them, each with the day we read it
- official Premium MITC — the Voyage appears only in the 'Discontinued cards' line beneath the fee table, with no fee row, no interest group and no forex entry of its own
- official The Visa form's product page — breadcrumbed "(Discontinued)", carrying the withdrawal disclaimer, the Priority Pass and Travel Plus tables and the Oriental Insurance cover
- official The American Express form of the same card — same withdrawal disclaimer and the same MITC line, but a higher published accrual and IndusInd's own Amex lounge list