IndusInd Bank Pioneer Heritage vs AU Xcite Ultra Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  IndusInd Bank Pioneer Heritage Credit CardIndusInd Bank5 recent changes → |  AU Xcite Ultra Credit CardAU Small Finance Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 2.5% on foreign spends | 1% base, up to 3% on foreign spends | |
| UPI payments (scan and pay) | Earns nothing | 1% | |
| Online shopping | 1% | 2% | |
| Dining and food deliverysame | 1% | 1% | |
| Groceriessame | 1% | 1% | |
| Travel: flights, hotels, trainssame | 1% | 1% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.7% | 0.25% | |
| Rent | 0.7% | Earns nothing | |
| Insurance premiums | 0.7% | 0.25% | |
| School and college fees | 0.7% | Earns nothing | |
| Wallet top-upssame | 1% | 1% | |
| Taxes and government payments | 0.7% | Earns nothing | |
| Spend abroad or in a foreign currency | 2.5% | 3% | |
| Everything elsesame | 1% | 1% | |
| Card identity | |||
| Card typesame | International | International | |
| Network | Mastercard | RuPay | |
| Card tier | Super premium | Mid | |
| Fees | |||
| Joining fee | ₹1,00,000 + GST | ₹749 + GST | |
| Annual fee | ₹25,000 + GST | ₹749 + GST | |
| Fee waived at | ₹10,00,000 | ₹2,00,000 | |
| Eligibility | |||
| Min age | - | 21 years | |
| Max age | - | 65 years | |
| Employment type | - | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Lounge access | |||
| Domestic lounge visits | - | 8 | |
| Domestic lounge unlimited | Yes | No | |
| International lounge visits | - | 0 | |
| International lounge unlimited | Yes | No | |
| Railway lounge visits | - | 8 | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Unlimited complimentary domestic and international lounge access on the current variant, via complimentary LoungeKey and Priority Pass memberships (guests at US$35 a visit; the erstwhile variant gets 2 a calendar quarter each side). Not subject to the 1 A | Spend Rs 50,000 in the previous quarter for domestic lounge access | |
| Forex and international | |||
| Forex markup | None | 3.49% | |
| UPI rewards | |||
| Works on UPI | No | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 2.99% | 3.75% | |
| Interest rate (annual) | 35.88% | 45% | |
| Redemption | |||
| Redemption fee | ₹100 | - | |
| Page content | |||
| Documents needed | - | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹3,300
- Fee a year
- - ₹29,500
- You keep
- - ₹23,722
- Rewards a year
- ₹3,600
- Fee a year
- ₹0
- You keep
- ₹3,607
At this spend, AU Xcite Ultra Credit Card comes out ₹27,329 a year ahead of IndusInd Bank Pioneer Heritage Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Foreign spends: 2.5% back
- Spending ₹83,333 or more a month: the ₹29,500 fee is waived
- Frequent flyers: unlimited airport lounge visits
- Spending abroad: 0% markup, most cards add 3.5%
- Foreign spends: 3% back
- Online shopping: 2% back
- Spending ₹16,667 or more a month: the ₹884 fee is waived
- Flyers: 8 airport lounge visits a year
Watch-Outs
- Skip it if you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹29,500 fee is then charged
- Skip it if most of your spending is fuel: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you rarely spend on foreign spends: the 2.5% rate applies only there, everything else earns 1%
- Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹884 fee is then charged
- Skip it if most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- Skip it if you rarely spend on foreign spends: the 3% rate applies only there, everything else earns 1%
- Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
Card data sourced via CardAdvisor.in (IndusInd Bank Pioneer Heritage Credit Card, AU Xcite Ultra Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, IndusInd Bank Pioneer Heritage Credit Card or AU Xcite Ultra Credit Card?
AU Xcite Ultra Credit Card. AU Xcite Ultra Credit Card: ₹749; IndusInd Bank Pioneer Heritage Credit Card: ₹25,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IndusInd Bank Pioneer Heritage Credit Card has the lowest forex markup. IndusInd Bank Pioneer Heritage Credit Card: 0%; AU Xcite Ultra Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: IndusInd Bank Pioneer Heritage Credit Card 1%, AU Xcite Ultra Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
IndusInd Bank Pioneer Heritage Credit Card: unlimited domestic lounge visits; AU Xcite Ultra Credit Card: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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