I wanted to share my experience with the IndusInd Avios credit card in case anyone here is considering it.
On paper, this card made perfect sense for me. I travel to the UK fairly often, so Avios is actually useful. The 40K Avios joining offer was the main reason I applied.
Here’s where things went wrong.
I paid the joining fee (~₹10K + GST) and completed the required spends in early Jan 2026. As per the offer, I was supposed to get the Avios within a reasonable time (initial communication suggested ~15 days).
Didn’t happen.
What followed was honestly one of the most frustrating customer experiences I’ve had:
Had to email multiple times (including re-sending from registered email)
Called customer care several times
Was told different things by different people
Timelines kept changing: 2 days → 7 days → 9 days → suddenly 2 months
“Preferred destination not updated” issue magically appeared later
No single person owned the issue
The worst part?
At one point, I sent an email out of sheer frustration just asking them to resolve it.
They replied 3–4 days later with a completely generic template. No acknowledgment of the situation, no context, nothing.
That’s when I mentally checked out.
Important point:
👉 If they had just given me a realistic timeline and stuck to it, I would have continued using the card.
I don’t mind delays. I mind being misled and having to chase basic things.
Eventually, after ~1+ month of follow-ups, I was told there was a “policy change” and I’d get points after ~2 months. By then, my UK flight was already booked with cash, so the whole purpose was gone.
I ended up closing the card and got the joining fee refunded.
Final thoughts:
The Avios proposition itself is solid (especially if you actually use Avios)
But execution and customer service (in my case) was extremely poor
No ownership, inconsistent communication, zero empathy in responses
If you’re planning to get this card: Just be aware that the experience may not match the marketing.
Curious to know if others here had similar/different experiences?