What are the joining and renewal fees for the IndusInd Bank Pioneer Heritage Credit Card?

The IndusInd Bank Pioneer Heritage Credit Card has a joining fee of ₹100,000 + GST and a renewal fee of ₹25,000 + GST.

How can I get the annual fee waived for the IndusInd Bank Pioneer Heritage Credit Card?

The annual maintenance fee for the IndusInd Bank Pioneer Heritage Credit Card is waived upon spending ₹10 lakh or more in the previous year.

What are the key welcome benefits of the IndusInd Bank Pioneer Heritage Credit Card?

Welcome benefits include vouchers worth ₹100,000, an Oberoi e-gift voucher, Luxe vouchers ₹5,000, and a complimentary ITC Club Culinaire Membership.

What is the foreign currency markup fee for the IndusInd Bank Pioneer Heritage Credit Card?

The foreign currency markup is currently 1.8% and will be reduced to 0% effective October 5, 2024, for the IndusInd Bank Pioneer Heritage Credit Card.

What are the reward earning rates on the IndusInd Bank Pioneer Heritage Credit Card?

Earn 2.5 Reward Points per ₹100 on international spends, 1 RP per ₹100 on domestic spends, and 0.70 RP per ₹100 on select categories like utilities.

Does the IndusInd Bank Pioneer Heritage Credit Card offer lounge access?

Yes, the Metal variant offers unlimited complimentary domestic and international lounge access, while the erstwhile variant offers 2 visits per quarter.

Can I redeem reward points for cash credit with the IndusInd Bank Pioneer Heritage Credit Card?

Yes, you can convert your reward points to cash credit at a 1:1 ratio (1 RP = ₹1) with the IndusInd Bank Pioneer Heritage Credit Card.

What insurance benefits are included with the IndusInd Bank Pioneer Heritage Credit Card?

The card offers comprehensive insurance benefits including lost baggage, delayed baggage, lost passport, lost ticket, missed connection, and personal air accident cover.

What are the golf privileges on the IndusInd Bank Pioneer Heritage Credit Card?

The Metal variant provides unlimited complimentary golf games and lessons, while the erstwhile variant offers 4 complimentary games and lessons per month.

What is the interest rate for the IndusInd Bank Pioneer Heritage Credit Card?

The IndusInd Bank Pioneer Heritage Credit Card has an interest rate of 2.99% per month, which translates to 36% per annum.

IndusInd Bank

IndusInd Bank Pioneer Heritage Credit Card

TravelDiningInternational Spends

Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Vouchers worth ₹100,000, Oberoi e-gift, Luxe vouchers ₹5,000, and ITC Club Culinaire membership.

Rewards Rate

Earn 2.5 RP/₹100 on international, 1 RP/₹100 on domestic & 0.70 RP/₹100 on select categories.

Reward Type

Reward Points

Reward Redemption

Redeem via IndusMoments portal, 1:1 cash credit, airline miles (KrisFlyer), or direct merchant redemption.

Domestic Lounge Access

Unlimited complimentary visits for Metal variant; 2 visits/quarter for erstwhile variant.

International Lounge Access

Unlimited complimentary visits (Metal); 2 visits/quarter (erstwhile) with LoungeKey & Priority Pass.

Premium Benefits

Unlimited complimentary golf games/lessons (Metal); 4 games/lessons per month (erstwhile).

Insurance Coverage

Comprehensive cover: Lost/delayed baggage, passport, tickets, missed connection, personal air accident.

Movie

Up to 4 free movie tickets (Metal variant) or B1G1 free (erstwhile variant) + F&B discounts.

Dining

Complimentary dining vouchers worth ₹3,000 twice a year & extensive ITC Club Culinaire benefits.

Travel Benefits

One night free at luxury hotels, 25% off airport meet & greet, 20% off airport limo transfers.

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Frequently Asked Questions

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