IndusInd Bank Pioneer Heritage Credit Card – Benefits, Fees & Eligibility

IndusInd Bank Pioneer Heritage Credit Card

Introduction

The IndusInd Bank Pioneer Heritage Credit Card is a distinguished offering designed for elite customers, embodying magnificence with its all-metal design. Available in two variants, the Pioneer Heritage Credit Card and the Pioneer Heritage Metal Credit Card, it redefines the power of metal and is packed with handpicked features, privileges, and benefits curated for a discerning lifestyle. It stands out as one of the few Mastercard World Elite cards in India, offering exclusive advantages across entertainment, dining, travel, and shopping, with the metal variant providing even more premium benefits.

Welcome Benefits

• Join the unique PIONEER HERITAGE Program with a joining fee of ₹1 lakh and receive Welcome Vouchers of your choice worth ₹100,000.
• Receive an Oberoi e-gift voucher as a welcome gift, valid for 6 months from the date of issuance. Up to two gift vouchers can be redeemed against a single-stay reservation.
• Get premium access to over 30 luxury brands with Luxe Gift vouchers worth ₹5,000, valid for 6 months from the date of issuance, allowing multiple redemptions up to the voucher's cash limit.
• Enjoy a complimentary ITC Club Culinaire Membership for both the primary cardholder and spouse. The ITC welcome kit is delivered to the mailing address within 30 working days of credit card issuance. Note: This offer, available with the Mastercard variant, will be discontinued for existing cardholders effective October 5, 2025, and will not be available for new customers boarded on or after September 15, 2025.

Fees

• Joining Fee: ₹100,000 + GST.
• Renewal Fee: ₹25,000 + GST.
• Spend-Based Waiver: The annual maintenance fee of ₹25,000 is waived upon spending ₹10 lakh or more in the previous year.
• Rewards Redemption Fee: Waived.
• Foreign Currency Markup:
  • Currently, a discounted markup fee of 1.8% on foreign currency transactions (calculated as a 3.5% charge on foreign conversion with a differential amount credited back to the credit card account).
  • This will be reduced to 0% effective October 5, 2024.
• Interest Rates: 2.99% per month (36% per annum).
• Fuel Surcharge: A surcharge waiver of 1% is provided on fuel transactions between ₹400 and ₹4,000 at all fuel stations in India.
• Cash Advance Charges: Nil. Enjoy a free cash advancement/withdrawal facility.
• Add-on Card Fee: Completely waived.
• Late Payment Fee: No late payment fee.
• Over Limit Fee: No over limit fee.

Rewards

Reward Points Earning

• International Spends: Earn 2.5 Reward Points on every ₹100 spent.
• Domestic Spends: Earn 1 Reward Point on every ₹100 spent.
• Revised Rewards Program (Effective February 4, 2023): For select merchant categories including Utility Bill Payments, Insurance Premium Payments, Government Services/Charges/Payments, and Education Institute Fees, the earning rate for IndusInd Bank Pioneer Heritage Credit Card is 0.70 Reward Point for every ₹100 spent on domestic and international transactions.
• Reward points are earned only for spends up to the assigned credit limit in every statement cycle.

Movies

• Pioneer Heritage Metal Credit Card: Get 4 free movie tickets per calendar quarter, with the price of each free ticket capped at ₹1,000.
• PIONEER Heritage Credit Card (erstwhile variant): Buy one movie ticket and get the other one free, up to 3 free tickets per month. The price of the free ticket is capped at ₹700 per ticket. Additionally, get INR 50 off on F&B.
• Enjoy 20% off on BookMyShow on Events and Theatre bookings for the IndusInd Bank PIONEER Heritage Credit Card (erstwhile variant). This offer was valid till March 31, 2024, with a maximum discount of ₹350 for every two tickets purchased and a cap of 2 discounted transactions per card per calendar month.

Dining

• Complimentary Dining Vouchers: Enjoy complimentary dining vouchers worth ₹3,000 twice a year for over 100 restaurants across the country. Get ₹3,000 off on your total bill amount. This offer is valid once every six months and is not valid on home deliveries.
• ITC Club Culinaire Membership Privileges:
  • Receive 25% discount on Food & Beverages bill at participating ITC hotels for a maximum of 4 guests (not valid on Sunday brunch) with "Culinary Delights" certificates (2 Nos).
  • Enjoy 50% discount on buffet lunch/dinner for 2 at a participating ITC hotel (not valid on Sunday brunch) with "Culinary Extravagance" certificates (2 Nos).
  • Get 30% discount on purchases at a gourmet shop at a participating ITC hotel (for purchases of maximum up to INR 5,000) with "Sweet Indulgence" certificates (2 Nos).
  • Earn Green Points @ 25% on all eligible Food & Beverage spends at ITC Hotels & WelcomHotels.
  • Enjoy savings of 20% while dining at Fortune and WelcomHeritage Hotels.
  • Receive 1,000 bonus Green Points on every accumulated spend of Rs.25,000 on Food & Beverage (valid on accumulated F&B spends of up to INR 1,00,000).
  • Fine Living (as a Resident Guest): Earn Green Points at 25% on eligible F&B spends and 5% on eligible non-F&B spends at participating ITC Hotels, Welcomhotels & Fortune Hotels. Save 20% on F&B spends at participating Fortune Hotels (valid up to 8 guests).
  • Exclusive Offers: Hi-spirited Wednesdays (buy 1 get 1 free at select bars, 6-8 pm), Gourmet Fridays (50% extra Green Points on dining spends at select restaurants, not Bukhara - ITC Maurya, Peshawari - ITC Rajputana and Jharokha - ITC Rajputana), Birthday week (50% bonus Green Points on dining/stay for cardholder and spouse, not Fabelle boutiques).

Travel

• Domestic Lounge Access:
  • Pioneer Heritage Metal Credit Card: Unlimited complimentary visits.
  • PIONEER Heritage Credit Card (erstwhile variant): 2 complimentary visits per cardholder per calendar quarter.
• International Lounge Access:
  • Pioneer Heritage Metal Credit Card: Unlimited complimentary visits per quarter with a complimentary LoungeKey and Priority Pass memberships.
  • PIONEER Heritage Credit Card (erstwhile variant): 2 complimentary visits per cardholder per calendar quarter with complimentary LoungeKey and Priority Pass memberships. LoungeKey is available only on the Mastercard variant.
• One Night Free with MasterCard: Enjoy one night free at a collection of participating luxurious hotels and handpicked resorts (MasterCard Network offer).
• Airport Meet & Greet Immigration Services (Visa): Visa Infinite Cardholders enjoy a 25% discount off retail rates on Airport Fast Track immigration service at over 450 destinations worldwide.
• Visa Airport Limo Transfer Program (Visa): Visa Infinite Cardholders enjoy a 20% discount off retail rates on airport transfer service in key cities globally.

Golf

• Unwind on the golf course with complimentary services at select prestigious clubs. Cardholders can place individual Golf Game requests without any minimum flight booking condition.
• Revised Golf Benefits (Effective March 13, 2025):
  • IndusInd Bank Pioneer Heritage Metal Credit Card: Unlimited complimentary Golf Games and Unlimited complimentary Golf Lessons.
  • IndusInd Bank Pioneer Heritage Credit Card: 4 complimentary Golf Games per month and 4 complimentary Golf Lessons per month.
• Golf lessons are generally available on weekdays only (except Bank/Public holidays falling on weekdays).

Insurance

• Lost Baggage Insurance: Worth ₹1 Lakh.
• Delayed Baggage Insurance: Worth ₹25,000.
• Loss of Passport Insurance: Worth ₹50,000.
• Lost Ticket Insurance: Worth ₹25,000.
• Missed Connection Insurance: Worth ₹25,000.
• Personal Air Accident Insurance: Up to ₹25 Lakhs.
• Protection Liability Cover: In case of any fraudulent transactions reported within 48 hours.

Rewards Redemption Guide

• Redeem your accumulated reward points through various attractive options.
• Online Portal: Visit www.indusmoments.com to place a request for redemption of your choice for special gifts/vouchers.
• Cash Credit: Convert your Reward Points to Cash Credit in the ratio of 1 Reward Point = ₹1.
  • A minimum of 500 reward points are required for redemption towards cash credit.
  • A maximum of 30,000 reward points can be redeemed for cash credit in a calendar month for the IndusInd Bank Pioneer Heritage Credit Card.
• Airline Miles: Fly higher with Airline Miles on partner airlines.
  • Convert your Reward Points to Krisflyer Miles in the ratio of 2 Reward Points = 1 Krisflyer Mile.
  • Convert your Reward Points to Maharaja Points for Maharaja Club.
  • A minimum of 500 reward points are required for redemption towards airline miles.
  • Important Note: Reward Points redemption towards InterMiles for your IndusInd Bank Credit Card will be discontinued effective January 21, 2025.
• Direct Merchant Redemption: Redeem your Reward Points directly with merchants with a Nil redemption fee.

Card Review

The IndusInd Bank Pioneer Heritage Credit Card is a top-tier offering tailored for premium customers seeking a luxurious and rewarding experience. Its sleek metal design is a standout feature, adding to its allure. The card provides best-in-class features and privileges, particularly strong in travel, dining, and entertainment categories. Key advantages include an impressive reward program with 2.5x points on international transactions, generous lounge access benefits (unlimited for the Metal variant), and diverse redemption options, including a favorable 1

ratio for cash credit. While the joining fee is substantial at ₹1 lakh, the card offers an annual fee waiver on spends of ₹10 lakh or more, providing significant value for high-spenders. The zero foreign currency markup from October 2024 further enhances its appeal for international travelers. This card is ideal for individuals with a high spending capacity who frequently travel, dine out, and seek exclusive lifestyle privileges.

Important Product Details

• All-metal card variant available, being the first metal card issued by IndusInd Bank.
• Joining Fee: ₹100,000 + GST.
• Renewal Fee: ₹25,000 + GST, waived on annual spends of ₹10 Lakhs.
• 2.5 Reward Points for every ₹100 spent on international transactions.
• 1 Reward Point for every ₹100 spent on domestic transactions.
• Reduced reward points (0.70 RP per ₹100) on specific categories like utility, insurance, government, and education payments (effective February 4, 2023).
• Welcome benefits include an Oberoi e-gift voucher and a Luxe Gift card worth ₹5,000.
• Complimentary ITC Club Culinaire Membership (will be discontinued for Mastercard variant effective October 5, 2025).
• Complimentary dining vouchers worth ₹3,000 twice a year for 100+ restaurants.
• Movie offers: 4 free tickets per quarter (Metal, capped at ₹1,000/ticket) or buy one get one free for 3 tickets/month (erstwhile, capped at ₹700/ticket).
• Unlimited complimentary Domestic and International lounge access with the Pioneer Heritage Metal Credit Card.
• 4 complimentary Domestic and International lounge visits per quarter for the erstwhile Pioneer Heritage Credit Card.
• Zero foreign currency markup effective October 5, 2024 (currently 1.8%).
• No late payment fee, no over limit fee, and no cash advancement/withdrawal charges.
• Unlimited complimentary golf games and lessons for the Pioneer Heritage Metal Credit Card (effective March 13, 2025).
• Comprehensive insurance benefits including Lost Baggage, Delayed Baggage, Loss of Passport, Lost Ticket, Missed Connection, and Personal Air Accident cover.
• Reward points can be redeemed for cash credit (1 RP = ₹1), airline miles (2 RP = 1 KrisFlyer Mile), or via IndusMoments portal.
• Minimum 500 reward points required for cash credit/airline miles redemption.
• Maximum 30,000 reward points can be redeemed for cash credit per calendar month.
• Fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000.

Other Details

• The PIONEER program is available at select locations only.
• For any queries or assistance, you can call 1860 267 7777 or +91 22 4220 7777.
• Primary cardholders are automatically enrolled for Club ITC Culinaire membership, while spouses can be enrolled by contacting the bank.
• LoungeKey is available only on the Mastercard variant.