IndusInd Avios Platinum credit card

IndusInd Avios Platinum

IndusInd Bank · Visa

IndusInd Avios Platinum is co-branded with British Airways, earning Avios miles on every spend with direct redemption on BA flights and partner airlines.

Annual Fee

₹8,000

Joining Fee

₹8,000

Base Reward Rate

5X

₹1/pt

Min CIBIL

750

₹12L+ income

Key Features

Earn British Airways Avios on all spends in India
1.5 Avios per ₹100 on all spends
3 Avios per ₹100 on British Airways flight bookings
Transfer Avios to British Airways Executive Club for flights worldwide
Complimentary domestic and international lounge access
Comprehensive travel insurance cover
Annual fee partially offset by Avios earn value
Concierge service for travel and lifestyle

Welcome Benefits

✓

5,000 Bonus Avios on First Spend

Earn 5,000 British Airways Avios on your first transaction within 90 days of activation

✓

British Airways Executive Club Enrolment

Automatic enrolment in BA Executive Club — start earning Avios towards reward flights from day one

Reward Rates by Category

Dining

6X

Travel

10X

Online

6X

Shopping

4X

Grocery

4X

Fuel

1X

Utilities

1X

Other

4X

Partner Earn Rates

PartnerCategoryEarn Rate
British AirwaysAirlines3X
International TravelTravel2X
DiningDining2X

Milestone Benefits

₹5.0 L

10,000 Bonus Avios

Earn 10,000 bonus Avios on spending ₹5 lakhs in a membership year

Annual

₹10.0 L

25,000 Bonus Avios + Annual Fee Waiver

Earn 25,000 Avios and get the annual fee waived on ₹10 lakh annual spend

Annual

Airport Lounge Access

Domestic

8 visits/year

International

4 visits/year

Insurance & Protection

Air Accident Cover

Travel tickets booked on card

₹1 Crore

Overseas Medical Insurance

Emergency medical on international trips

USD 25,000

Baggage Cover

Checked baggage loss and delay

Up to ₹50,000

Zero Liability

Report promptly

100% fraudulent charges

Pros

  • British Airways Avios miles on all spends
  • Direct BA flight redemption
  • 8 domestic lounge visits/year
  • 4 international lounge visits/year
  • Strong travel insurance

Cons

  • Annual fee of ₹8,000
  • Best value for British Airways flyers
  • Avios expire after 36 months of inactivity

Frequently Asked Questions

What are Avios and how do I use them?+
Avios are British Airways' loyalty currency. Earn on IndusInd spends, then redeem for BA flights, partner airline tickets, hotel stays or seat upgrades via ba.com.
How many Avios per spend?+
1.5 Avios per ₹100 on all spends. 3 Avios on British Airways bookings.
Can I transfer Avios to other airlines?+
Avios are part of the IAG loyalty programme — partially transfer to Iberia Plus, Aer Lingus and other IAG partners.
Lounge access?+
Complimentary domestic and international lounge access — check IndusInd's current lounge partner list.
Annual fee?+
₹10,000 approximately. Waived on ₹10 lakh annual spend.

Ready to apply?

Apply on the IndusInd Bank website. Usually takes 10 minutes.

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IndusInd Avios Platinum

₹8,000/yr · 5X rewards