70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Opt for the British Airways Executive Club co-brand if you prioritize raw points value for premium cabin flight redemptions
Ensure you pay the joining fee promptly to trigger the welcome Avios and status tier, which typically credit within 15 days of fee...
Latest change: Updated data model to reflect the live revised fee structure of April 2025 where joining fee is ₹10k and renewal is ₹5k
For International Travel & Airline Transfers. 0.8% on international spend. ₹5,000 annual fee. Lounge rule: 2 visits / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
International Travel & Airline Transfers
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
These are objective same-bank step-up options from the current rewards and lounge model.
Annual fee: Free
Annual fee: Free
Annual fee: Free
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹10,000
5,000 Avios renewal bonus offsets fee
International spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
8 domestic • 8 international policy count
Card-level policy notes: • 6 Avios per ₹200 on POS international transactions in chosen preferred destination region • 2 complimentary domestic and 2 international lounge visits per calendar quarter with no spend-gating - Source file: IndusInd Mastercard India lounge program PDF. - Lounge list applies to eligible IndusInd card variants under active network/issuer rules. - Validate spend threshold, guest terms, and visit caps with latest IndusInd card guide. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.