IndusInd Bank Pioneer Legacy Credit Card

Joining fee

Joining fee: ₹50,000 / ₹5,000* (*Exclusively for Pinnacle Grande and Pioneer Legacy customers, this card comes with a lifetime-free membership). Actual fees will be conveyed at the time of application.

Annual fee

Annual fee Nil

Fee waiver rule

No annual fee to waive: the bank's fee table gives this card's annual fee as NIL and its condition for waiver of annual fees as NA.

Add-on card fee

₹0

Welcome benefit

Pick one from a very exclusive collection of welcome gifts: Montblanc, The Postcard Hotel, Qwikcilver (Woohoo) Premium. Welcome gifts are available at select fee points only.

Reward rate

1 reward point per ₹100 on weekday spends; 2 reward points per ₹100 on weekend spends.

Reward exclusions

Fuel transactions will not accrue reward points (effective from 1st April 2018).

Catalogue redemption

IndusMoments

Flight redemption

Airline Miles on Krisflyer

Redeeming points for travel

Pay with Rewards available

Statement-credit redemption

Cash credit

Airline and hotel partners points may move to

Club Vistara discontinued effective 31 Oct 2024

Fuel earning

Not offered

Domestic lounge access

You will be eligible for 1 complimen.

Golf

4 complimentary access per month including MasterCard golf offer

Golf

Click here for Most Important Terms & Conditions Effective 10th March 2026, your golf benefit will now include 2 complimentary games and 2 complimentary lessons per month, please click here for more details - Click here Effective 1st April, 2026 spends criteria tracking will be initiated to unlock complimentary domestic lounge access from July, 2026 quarter onwards.

Milestone benefits

4,000 bonus reward points on spends of ₹5,00,000 or above within one year from the date of credit card issue

Movie or entertainment ticket benefit

additional ₹50 off on F&B option

Fuel surcharge waiver

1% waiver on fuel surcharge at any fuel station in India.

Forex markup

1.8% on foreign currency transactions.1.8% on foreign currency transactions (Not applicable for complimentary Pioneer Legacy Credit card)

Cash advance fee

Cash advance charges waived

Interest on unpaid balance

3.83% Monthly Rate, 46.00% Annual Rate.

Interest-free period

Interest-free credit period of up to 50 days

Late payment fee

Late payment charges Nil to ₹1,300 by outstanding balance.

Over-limit fee

2.5% of Over Limit Amount, subject to a minimum of ₹500

Payment return or dishonour fee

Returned payments: ₹250

Card replacement fee

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

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

Wallet load charge

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

Fuel transaction fee

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

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

Eligibility

Not issued to any person less than 18 years of age.