IndusInd Bank Pioneer Heritage Credit Card
IndusInd Bank · Open to apply
A premium card with a ₹1 lakh joining fee and ₹25,000 annual fee (waived at ₹10 lakh of spend), zero forex markup and waived late and over-limit fees. It earns 2.5 reward points per ₹100 on international spends and 1 on domestic, each worth ₹1 as cash credit, with four golf games and lessons a month and international lounge visits.
- Annual fee
- ₹25,000 + GST a year
- Joining fee
- ₹1,00,000 + GST
- Fee waiver
- Annual fee waived on ₹10,00,000 spend per card year
- Base rate
- 1 reward point per ₹100 on domestic spends: 1 IndusInd Reward Points per ₹100 (about 1% at cash value)
- Lounges
- International: 2 visits a calendar quarter
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 2.5 reward points per ₹100 on international spends: 2.5 IndusInd Reward Points per ₹100 (about 2.5% at cash value)
Earns nothing on
- No reward points on fuel
Terms the calculator does not value
- The page's lounge tables list "Unlimited" entitlements without readable variant labels (domestic lounges and international access for the erstwhile variant), so only the stated 2 international visits a quarter are entered.
- Welcome gifts (Montblanc, The Postcard, Woohoo vouchers) are given only at select fee points.
Sources
- IndusInd Bank, Pioneer Heritage Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Pioneer Heritage Rewards Program T&C (Reward terms, the bank's own, read 6 Nov 2026)
- IndusInd Bank, fuel surcharge waiver terms page (fuel earns no reward points since 1 Apr 2018) (Schedule of charges, the bank's own, read 6 Nov 2026)