IndusInd Bank Pioneer Heritage Credit Card

Joining fee

₹1,00,000

Annual fee

₹25,000Rs. 25K, waived upon spending Rs. 10 Lacs or more in previous year

Fee waiver rule

Annual Maintenance Fee of ₹25K, waived upon spending ₹10 Lacs or more in previous year.

Add-on card fee

Add-on fee completely waived.

Welcome benefit

Join the unique PIONEER HERITAGE Program at a joining fee (₹1lakh only) and get Welcome Vouchers of your choice worth ₹100K.

Reward rate

1 reward point per ₹100 · everyday spends1 reward point per ₹100 spent on domestic transactions.

Reward earning on international spends

2.5 Reward Points on every ₹100 spent on international transactions.

Reward caps

Maximum 30,000 reward points redeemable per calendar month for Cash Credit option

Catalogue redemption

Redeem against Merchandise, Flights, e-vouchers, Buses, Hotels, Airmiles or Cash Credit (1 Reward Point = Re 1)

Redeeming points for travel

Redeem Reward Points against Flights, Buses, Hotels, Airmiles and more.

Voucher and product redemption

Redeem Reward Points against e-vouchers. Now redeem your Reward Points against a host of options such as Merchandise, Flights, e-vouchers, Buses, Hotels or Airmiles and more or against Cash Credit in ratio of 1 Reward Poi

Airline and hotel partners points may move to

Fly higher with Airline Miles on partner airlines.

Airline and hotel partners points may move to

2 Reward Points = 1 KrisFlyer Mile.

Smallest number of points that can be redeemed

Minimum 500 reward points required for redemption towards cash credit and airline miles

Domestic lounge access

Pioneer Heritage Credit card: Unlimited.

Priority Pass

Complimentary LoungeKey and Priority Pass memberships, per quarter.

Dining programme

Maximum discount of ₹3000; coupon can be availed once in six months

Golf

Complimentary Golf Game and Golf Lesson per month at select prestigious golf clubs.

Minimum spend rules

Complimentary benefits of the Golf Program are subject to a minimum purchases/ spends of ₹25,000 in the last statement generated as per the credit card billing cycle.

Fuel surcharge waiver

1% waived on fuel surcharge. GST on fuel surcharge as per standard rate shall be applicable and borne by the customer.

Lost card liability

Total Protect covers unauthorised transactions in case of loss/ theft of Card: we provide an insurance cover up to 48 hours prior to you reporting the loss of your Card to IndusInd Bank.

Travel insurance

Lost Baggage Insurance worth ₹1 Lac, Delayed Baggage Insurance worth ₹25K, Loss of Passport Insurance worth ₹50K, Lost Ticket Insurance worth ₹25K, Missed Connection Insurance worth ₹25K.

Forex markup

0% on foreign currency transactions.0% (reduced from 1.8% to 0% w.e.f 5th Oct 2024)

Cash advance fee

Nil - no cash advance / withdrawal charges.

Interest on unpaid balance

Interest rate as low as 2.99% per month.

Interest-free period

Interest-free credit period of up to 50 days

Late payment fee

Late payment charges waived

Payment return or dishonour fee

Returned payments: ₹250

Card replacement fee

Re-issue/Replacement: ₹100 for All Other Credit Cards.

Charge for lounge visits beyond the free limit

USD 27 per guest visit to any lounge within or outside India

Education / school fee charge

1% Fee + GST on the cumulative spends on education payments transactions made through third-party websites and applications more than ₹45,000 in a statement cycle

Reward redemption fee

Nil redemption fee for redeeming Reward Points directly with merchant.

Wallet load charge

1% Fee + GST on the cumulative spends on wallet loading transactions more than ₹20,000 in a statement cycle

Rent transaction fee

1% Fee + GST levied on each transaction on rent payments through third-party merchants

Utility transaction fee

1% Fee + GST on the cumulative spends on utility payments transactions more than ₹25,000 in a statement cycle

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on Credit Card Accounts, where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.

Minimum amount due

100% of EMI amount + 100% of GST + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Retail Spends/Cash Advance/remaining balance outstanding

Over-limit fee

Not offered

Eligibility

Offered to PIONEER customers