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IndusInd InterMiles Odyssey Visa Credit Card

by Kshitiz V Sharma on

The Bottom Line

IndusInd InterMiles Odyssey Visa Credit Card
High Fee, Low Rewards, Some Lounge Benefits

8 InterMiles / ₹100 on flights and hotels via intermiles.com & 4 InterMiles on all other spends on weekends.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield -5.9%^ -2.4%^ -0.6%^ 0.4% 0.8%
Est. Monthly Reward (₹) (300) (240) (130) 210 800
All-India Rewards Rank* 343 340 347 284 170
Within Bank Rank* 16 16 16 12 9
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The IndusInd InterMiles Odyssey Visa Credit Card gives 2.25% effective reward on flights and hotels booking on InterMiles website, 0.30% on selected categories (government services/charges, utility bill payments, insurance payments, and educational institutions fees) and 1% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.4-0.8% on spending above ₹50,000 with this card in a month.

The Legend Credit Card is the best credit card from IndusInd Bank for customers who charge less than ₹1 lacs a month to their cards.

We estimate it offers a net reward yield of 1.0% on all your spending.

If you spend more than ₹1 lacs a month on your card, you should get the Club Vistara IndusInd Bank Explorer Credit Card. This card offers a net reward yield of 1.3% which is better than the Legend at this level.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card IndusInd InterMiles Odyssey Visa Credit Card
Card Type Reward
Reward Features Weekends
8 InterMiles / ₹100 on Flights and Hotels via intermiles.com

6 InterMiles / ₹100 on all other spends

Weekdays

4 InterMiles / ₹100 on Flights and Hotels via intermiles.com

3 InterMiles / ₹100 on all other spends

1 InterMIles / ₹100 on Selected categories on weekends and weekdays
– Government services/charges
– Utility bill payments
– Insurance payments
– Educational Institutions fees

Milestone Rewards Nil
Other Rewards – 2 Complimentary Domestic Airport Lounge Visits / Qtr

– Complimentary Priority Pass Membership

– 1+1 on movie tickets twice in a month

Rewards Redemption Fee Nil
Reward Caps 75,000 InterMiles p.a

Pay ₹10,000 to remove the cap.

Preferred Redemption Method Redeem for Flights and Hotel Bookings on InterMiles Website

1 InterMile = ₹0.30


Fees & Charges

Card IndusInd InterMiles Odyssey Visa Credit Card
Joining Fee ₹10,000 + Taxes
Annual Fee ₹4,000 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
N/A
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 46.00% p.a.
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% transaction amount minimum of ₹300
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