IndusInd Bank
IndusInd Bank Pioneer Heritage Credit Card
Data last verified: 24 October 2026
- Joining fee₹1,00,000 + GST
- Annual fee₹25,000 + GST
- Reward rate1% base, up to 2.5% on foreign spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,00,000 + GST
- Annual fee₹25,000 + GST
- Fee waiverOn ₹10 lakh spend a year
- Forex markup0%
- Interest (APR)2.99% a month, 35.88% a year
01IndusInd Bank Pioneer Heritage Credit Card Rewards and Benefits
02IndusInd Bank Pioneer Heritage Credit Card Annual Fee and Charges
- Joining fee
- ₹1,00,000 + GST
- Annual fee
- ₹25,000 + GST
- Spend-based waiver
- Annual fee waived on ₹10 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 0%
- Interest rate
- 2.99% a month (35.88% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on spend abroad or in a foreign currency, earning 2.5%₹125
- ₹15,000 on everything else, earning 1%₹150
- Back each month, ₹3,300 a year₹275
- Annual fee with 18% GST−₹29,500
- It costs you each year₹23,722
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good 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%
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
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on foreign spends: the 2.5% rate applies only there, everything else earns 1%
- you sometimes pay only the minimum due: interest of 2.99% a month (35.88% a year) outweighs any reward
04How IndusInd Bank Pioneer Heritage Credit Card earns Rewards
1% base, up to 2.5% on foreign spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.7% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on utility bill payments since 4 February 2023, this reduced rate replaces the 1-point domestic rate and the 2.5-point international rate alike |
| Rent | 0.7% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on real-estate and rental payments since 4 February 2023, this reduced rate replaces the 1-point domestic rate and the 2.5-point international rate alike |
| Insurance premiums | 0.7% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on insurance premium payments since 4 February 2023, this reduced rate replaces the 1-point domestic rate and the 2.5-point international rate alike |
| School and college fees | 0.7% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on education institute fees since 4 February 2023, this reduced rate replaces the 1-point domestic rate and the 2.5-point international rate alike |
| Wallet top-ups | 1% | No cap | The card's normal rate |
| Taxes and government payments | 0.7% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on government services since 4 February 2023, this reduced rate replaces the 1-point domestic rate and the 2.5-point international rate alike |
| Spend abroad or in a foreign currency | 2.5% | No cap | All merchants in the categoryTerms: 2.5 reward points per ₹100 on international spends, with no forex markup since 5 October 2024 |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1 reward point per ₹100 on domestic spends; points redeem at 1 RP = ₹1 for cash credit/vouchers, or transfer to KrisFlyer / Air India Maharaja airmiles at 2:1 (minimum 500 RP; cash-credit cap 30,000 RP per calendar month)
05IndusInd Bank Pioneer Heritage Credit Card Lounge Access and Travel
Domestic lounge access is unlimited, international is unlimited, through Priority Pass with Priority Pass. 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. Spending abroad carries a 0% forex markup; rewards on it: 2.5% back. See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, golf privileges, hotel membership, airport lounge access, movie ticket offers.
- Concierge service: Dedicated Pioneer concierge for travel, dining and lifestyle requests
- Fuel surcharge waiver: 1% fuel surcharge reversal on fuel transactions between ₹500 and ₹10,000, with no capping on the reversal, note separately that the fuel spend itself earns no reward points
- Golf privileges: From 10 March 2026: 4 complimentary golf games and 4 lessons per month at select clubs, on ₹25,000 spend in the previous billing statement
- Hotel membership: ₹3,000 of dining credit across the year at 100+ curated restaurants
- Airport lounge access: 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 April 2026 domestic spend criteria
- Movie ticket offers: BookMyShow, up to 4 complimentary tickets per quarter, capped at ₹1,000 per ticket
06Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Apr 2026 | Reduced: Metal card replaced with plasticSource: IndusInd Bank | Metal card | Plastic card (features unchanged) |
| 5 Mar 2026 | Reduced: Golf capped at 4 a month and counted per customer, not per cardSource: IndusInd Bank | Separate premium / regular course tiers, capped per card | 4 games and lessons a month at any course, capped per customer |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 5 Oct 2025 | Reduced: ITC Club Culinaire membership withdrawnSource: IndusInd Bank | Complimentary ITC Club Culinaire membership | Membership discontinued |
| 1 Apr 2025 | Reduced: Cash redemption capped at 50% of points balanceSource: IndusInd Bank | Full points balance redeemable against cash credit | Max 50% of balance per redemption; points clawed back on delinquency |
See this card's change history → · All card changes in April 2026 →
07Cards Similar to IndusInd Bank Pioneer Heritage Credit Card
IndusInd Bank Pioneer Heritage Credit Card is a international card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Pioneer Heritage Credit Card |  AU Traverse Credit Card |  AU Xcite Ultra Credit Card |
|---|---|---|---|
| Joining fee | ₹1,00,000 + GST | ₹4,999 + GST | ₹749 + GST |
| Annual fee | ₹25,000 + GST | ₹4,999 + GST | ₹749 + GST |
| Rewards | 1% base, up to 2.5% on foreign spends | 0.5% base, up to 1% on foreign spends | 1% base, up to 3% on foreign spends |
| Domestic lounge | Unlimited | 8 visits a year | 8 visits a year |
| Forex markup | 0% | 0.99% | 3.49% |
| Type | International | International | International |
08Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndusInd Bank Pioneer Heritage Credit Card Bill
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Common Questions
What is the joining fee for the IndusInd Bank Pioneer Heritage Credit Card?
The joining fee is ₹1,00,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank Pioneer Heritage Credit Card?
The annual fee is ₹25,000 + GST.
Does the IndusInd Bank Pioneer Heritage Credit Card give airport lounge access?
Yes. Domestic lounge access is unlimited, international is unlimited, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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