Credit Cards
IndusInd Avios Credit Card: Strongly recommended if you have an upcoming US or Europe trip
Akshat Jain · January 5, 2026 · 3 min read
If you have a US or Europe trip planned - or even likely - in the next two years, this card is worth applying for during this offer window. It's a rare card deal where the value is easy to understand.
If you have a US or Europe trip planned - or even likely - in the next two years, this card is worth applying for during this offer window. It's a rare card deal where the value is easy to understand.
What's the offer?
- ✓40,000 Avios points in total — 20,000 as base welcome benefit + 20,000 limited-time bonus on spending ₹5,000
- ✓Joining fee: ₹10,000 + GST
What are Avios points?
Avios are airline reward points used to book flights on Qatar Airways and its partner airlines like British Airways, Sri Lankan Airlines or Cathay Pacific. They are one of the most versatile travel currencies in the world.
What can 40,000 Avios get you?
In practical terms, 40,000 Avios can get you an economy flight to Europe or the US on off-peak dates. The total out-of-pocket cost typically works out to around ₹20,000–₹25,000. The same ticket would usually cost ₹30,000–₹50,000 if bought outright.
That means the card's welcome bonus alone saves you ₹10,000–₹30,000 on a single ticket — more than recovering the joining fee.
Ongoing earning potential
Beyond the welcome bonus, the card earns Avios on every spend. For frequent travellers, this compounds quickly. The card also comes with lounge access and travel insurance benefits.
Check Your Route
Estimate how many Avios you need for your specific destination.
Open Qatar Airways CalculatorWho should apply?
Anyone with a US or Europe trip planned or likely in the next 2 years
Frequent flyers who want to build a travel currency with every spend
Those with no travel plans in the next 2 years — the joining fee may not justify itself