IndusInd Bank
IndusInd Bank Pioneer Legacy Credit Card
Data last verified: 24 October 2026
- Joining fee₹50,000 + GST
- Annual feeFree
- Reward rate1.29% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹50,000 + GST
- Annual feeFree
- Forex markup1.8%
- Interest (APR)3.83% a month, 45.96% a year
01IndusInd Bank Pioneer Legacy Credit Card Rewards and Benefits
02IndusInd Bank Pioneer Legacy Credit Card Annual Fee and Charges
- Joining fee
- ₹50,000 + GST
- Annual fee
- Free
- Spend-based waiver
- None
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 1.8%
- Interest rate
- 3.83% a month (45.96% 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:
- ₹20,000 on everything else, earning 1.29%₹258
- Back each month, ₹3,096 a year₹258
- In your pocket each year₹3,096
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
- Anyone who wants no annual fee, ever
- Flyers: 12 airport lounge visits a year
- Spending abroad: 1.8% markup, most cards add 3.5%
Skip it if…
- 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 sometimes pay only the minimum due: interest of 3.83% a month (45.96% a year) outweighs any reward
04How IndusInd Bank Pioneer Legacy Credit Card earns Rewards
1.29% on most 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 | 1.29% | No cap | The card's normal rate |
| Dining and food delivery | 1.29% | No cap | The card's normal rate |
| Groceries | 1.29% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1.29% | 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 applies on weekends as well as weekdays, so the weekend acceleration does not reach these spends |
| 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 applies on weekends as well as weekdays, so the weekend acceleration does not reach these spends |
| 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 applies on weekends as well as weekdays, so the weekend acceleration does not reach these spends |
| 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 applies on weekends as well as weekdays, so the weekend acceleration does not reach these spends |
| Wallet top-ups | 1.29% | 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 applies on weekends as well as weekdays, so the weekend acceleration does not reach these spends |
| Spend abroad or in a foreign currency | 1.29% | No cap | The card's normal rate |
| Everything else | 1.29% | No cap | The card's normal rate |
Terms on the base rate. Calendar-weighted 1.29 reward points per ₹100, IndusInd pays 1 per ₹100 on weekdays and 2 per ₹100 on weekends (Saturday and Sunday); +4,000 bonus RP at ₹5 lakh annual spend. Points redeem at 1 RP = ₹1 for statement cash, or convert to KrisFlyer Miles / partners
05IndusInd Bank Pioneer Legacy Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year, international is 8 visits a year, through Priority Pass with Priority Pass. Spend Rs 150,000 in the previous quarter for domestic lounge access. Spending abroad carries a 1.8% forex markup; rewards on it: 1.29% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, golf privileges, airport lounge access, milestone bonuses, movie ticket offers.
- Concierge service: Pioneer concierge for travel, dining and lifestyle assistance
- 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: 2 complimentary golf games and 2 lessons per month at select clubs, each conditional on ₹25,000 of spend in the previous billing statement
- Airport lounge access: 4 domestic (1/quarter, each unlocked by ₹1.5 lakh of previous-quarter spend since April 2026) and 8 international (2/quarter) complimentary lounge visits per year via a complimentary Priority Pass membership
- Milestone bonuses: 4,000 bonus reward points once qualifying spend reaches ₹5,00,000, credited within 45 days. Low-MCC spends do not count, fuel, transport, tolls, utilities, insurance, education, telecom, security brokers, cleaning and government. IndusInd is ambiguous on whether this repeats or is first-year only
- Movie ticket offers: BookMyShow buy-one-get-one free, up to three free tickets a month, plus ₹50 off when you add the food-and-beverage option. IndusInd publishes no cap on the free ticket's value; our valuation assumes a modest average ticket price rather than an unlimited one
06Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: New transport surcharge; late-payment grid raisedSource: IndusInd Bank | No transport surcharge; lower late-payment grid | 1% + GST on transport above ₹40,000/cycle; steeper late-payment slabs |
| 1 Apr 2026 | Reduced: Domestic lounge access becomes spend-gated at ₹1.5 lakh a quarterSource: IndusInd Bank | Complimentary domestic visits, no spend condition | ₹1.5 lakh previous-quarter spend to unlock each domestic visit |
| 5 Mar 2026 | Reduced: Golf cut to 2 a month and counted per customer, not per cardSource: IndusInd Bank | 4 games and 4 lessons a month, tiered by course type | 2 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 |
| 1 Apr 2025 | Reduced: Cash redemption fee raised to ₹149 and capped at 50% of balanceSource: IndusInd Bank | Lower redemption fee; full balance redeemable | ₹149 + GST per cash redemption; max 50% of balance |
See this card's change history → · All card changes in June 2026 →
07Cards Similar to IndusInd Bank Pioneer Legacy Credit Card
IndusInd Bank Pioneer Legacy Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Pioneer Legacy Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹50,000 + GST | Lifetime free | ₹499 + GST |
| Annual fee | Free | Lifetime free | ₹499 + GST |
| Rewards | 1.29% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 4 visits a year | Unlimited | Not included |
| Forex markup | 1.8% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
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 Legacy Credit Card Bill
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Common Questions
What is the joining fee for the IndusInd Bank Pioneer Legacy Credit Card?
The joining fee is ₹50,000 + 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 Legacy Credit Card?
The annual fee is Free.
Does the IndusInd Bank Pioneer Legacy Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year, international is 8 visits a year, 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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