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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 9/16 categories
IndusInd · Visa

Avios Visa Infinite Credit Card

Best forTravel
Earns3 RP/₹100 on travel — only at Preferred Destination partners (list not researched)
1st Year / Joining Fee
₹10,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Visa

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on travel, where it earns 3 RP/₹100 (only at Preferred Destination partners (list not researched))

How you earn

Reward rates at a glance — exactly as recorded for this card.

TravelOnly at Preferred Destination partners (list not researched)3 RP/₹100
TravelOnly at British Airways / Qatar Airways direct2.5 RP/₹100
Rent1.5 RP/₹100
Travel1.5 RP/₹100
Education0.50 RP/₹100
All 16 reward categories · 9 of 16 categories verified
CategoryRateCapCondition
Rent1.5 RP/₹100—3 Avios / ₹200 (1.5 RP/₹100) on Rent under 'All other spends' per current official product webpage
Details
Status
Verified
Source
SRC-INDUS-AVIOS-PAGE
Issuer note
3 Avios / ₹200 (1.5 RP/₹100) on Rent under 'All other spends' per current official product webpage. Rent fee = NIL (exempt from 1% rent fee per MITC). Source Conflict Note: Alternate official BA Avios PDF states 1 Avios/₹200; live product webpage preferred for runtime.
Education0.50 RP/₹100—Reduced rate verified in official reward schedule
Details
Status
Verified
Source
S-IND11-01
Issuer note
Reduced rate verified in official reward schedule.
Insurance0.50 RP/₹100—Reduced rate verified in official reward schedule
Details
Status
Verified
Source
S-IND11-01
Issuer note
Reduced rate verified in official reward schedule.
Utilities0.50 RP/₹100—Reduced rate verified in official reward schedule
Details
Status
Verified
Source
S-IND11-01
Issuer note
Reduced rate verified in official reward schedule.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Bank-wide policy effective 01-Apr-2018: Fuel transactions do not accrue reward points. 1% fuel surcharge waiver applies.
Groceries——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Dining——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Food Delivery——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Shopping——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Travel1.5 RP/₹100—Standard verified retail earn rate · Also 3 RP/₹100, only at Preferred Destination partners (list not researched)
Details
Status
Verified
Source
S-IND11-02
Issuer note
Standard verified retail earn rate.
Government——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Avios official exclusion: Wallet loading is explicitly excluded from Avios earn.
Railways——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
FASTag——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Jewellery——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Telecom——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹10,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Spending thresholds
  • Spend ₹8,00,000 per card year → Annual Spend Milestone 1: Spend ₹8,00,000 in anniversary year -> 18,000 bonus Avios
  • Spend ₹16,00,000 per card year → Annual Spend Milestone 2: Spend ₹16,00,000 cumulative in anniversary year -> additional 18,000 bonus Avios

Key benefits

Rewards
3 RP/₹100 on travel (only at Preferred Destination partners (list not researched))
Foreign-currency markup
1.5% pref forex
Milestone benefit
20,000 Welcome Avios upon joining fee payment
Milestone benefit
5,000 Renewal Avios upon annual renewal fee payment

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Fuel, Wallet
  • Spend ₹8,00,000 per card year → Annual Spend Milestone 1: Spend ₹8,00,000 in anniversary year -> 18,000 bonus Avios
  • Research pending: Food Delivery, Shopping, Government, Railways +3 more — not counted

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in travel, rent
△ Less useful if
  • Much of your spending is in fuel, wallet, which earn nothing
  • You do not want to pay an annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 2 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Fuel — No reward.
  • Wallet — No reward.
Milestones · 4 recorded
  • Milestone → benefit worth ₹20,000 — 20,000 Welcome Avios upon joining fee payment.
  • Milestone → benefit worth ₹5,000 — 5,000 Renewal Avios upon annual renewal fee payment.
  • Spend ₹8,00,000 per card year → benefit worth ₹18,000 — Annual Spend Milestone 1: Spend ₹8,00,000 in anniversary year -> 18,000 bonus Avios.
  • Spend ₹16,00,000 per card year → benefit worth ₹18,000 — Annual Spend Milestone 2: Spend ₹16,00,000 cumulative in anniversary year -> additional 18,000 bonus Avios.
Eligibility

Subject to IndusInd's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Visa
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: 1.5% pref forex
Other categories recorded for this card
  • Online Shopping — —. Standard verified retail earn rate
  • Offline Shopping — —. Standard verified retail earn rate
  • Flights — —. Standard verified retail earn rate
  • Hotels — —. Standard verified retail earn rate
  • UPI — Not a good fit. Visa/Mastercard credit card rails unsupported for Credit on UPI per RBI/NPCI regulatory framework
  • International — —. Standard verified retail earn rate
  • EMI — —. Standard verified retail earn rate
What DhanChakshu couldn't fully verify · 10 areas

10 areas need further verification. None of these are counted as zero.

  • • Food Delivery — research pending
  • • Shopping — research pending
  • • Government — research pending
  • • Railways — research pending
  • • FASTag — research pending
  • • Jewellery — research pending
  • • Telecom — research pending
  • • Partner eligibility — the qualifying partner list for "Preferred Destination partners (list not researched)" is not available yet
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-26

Verification coverage: 9 of 16 categories verified · 7 still being verified

Card record last checked: 2026-09-26

Documents used
Official card page · S-IND11-02 · 2026-09-26
Terms and Conditions for 5 Avios (IndusInd Bank) · SRC-INDUS-AVIOS-5X-TNC · 2026-10-09
Official page + Livemint · S-IND11-01 · 2026-09-26
IndusInd Bank Official Fuel Surcharge Waiver T&C · S-BW-15 · 2026-09-26
Official IndusInd bank pages; cardinsider.com; IndusMoments.com · S-40C-08 · 2026-09-26
Official Avios Visa Infinite Product Webpage: Rent in 'All other spends' earning 3 Avios/₹200; MITC exempts card from 1% rent fee. Source Conflict Note: Alternate British Airways Avios benefits PDF lists Rent under 1 Avios/₹200; current product webpage preferred for runtime. · SRC-INDUS-AVIOS-PAGE
Avios Visa Infinite Credit Card₹10,000 1st year