IndusInd BankMastercard · VisaLast checked 12 Oct 2026invite-only
The IndusInd Pioneer Heritage Credit Card costs Rs 25,000 a year, waived if you spend Rs 10,00,000 in a year. Its base return is 1% (1 RP per Rs 100 on domestic transactions). Accelerated earn: 2.5 RP per Rs 100 on international transactions. The forex markup is 0%. Lounge visits in India: Unlimited (erstwhile variant: 2 per cardholder per calendar quarter). Read from the issuer's documents and an aggregator on 12 Oct 2026.
Card design: indusind.bank.in
Annual fee
Rs 25,000+ GST
Fee waived at
Rs 10,00,000annual spend
Base return
1%
Forex markup
0%
Interest
2.99%a month
Fees
Joining fee
Rs 1,00,000
Annual fee
Rs 25,000
Annual spend that waives the fee
Rs 10,00,000
Fee notes
Fees not stated on the product page (joining Rs 1,00,000, annual Rs 25,000, waiver at Rs 10 lakh annual spend per issuer MITC). From 1 Apr 2026 renewals, replacements and new issuances of the metal variant are issued in plastic; features unchanged (issuer page).
Rewards
Welcome benefit
Only at select fee points: Montblanc or Qwikcilver (Woohoo) Premium vouchers (values not on page)
Reward currency
Reward Points
Base earn
1 RP per Rs 100 on domestic transactions
Base return
1%
Point value
1 RP = Re 1 cash credit
Accelerated earn
2.5 RP per Rs 100 on international transactions
Capsunverified
Max 30,000 RP redeemable per statement cycle
Spends that earn nothing
Select merchant categories earn reduced points: 0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, domestic and international (issuer notice effective 1 Aug 2019); programme revised again from 2 Feb 2023 (details behind a link). Fuel earn not stated on page
Reward notes
base_return_pct = 1 RP per Rs 100 x Re 1 (both issuer-stated); 2.5% on international spend with 0% markup. Points can be redeemed directly with merchants at nil redemption fee. No late, over-limit or cash advance fee (issuer MITC).
Transfers
Partners
Singapore KrisFlyer, Air India Maharaja Club
Ratiounverified
2 RP = 1 KrisFlyer mile (issuer page). Maharaja Club ratio not on page; Book1A says 2:1
Travel and perks
Domestic lounge
Unlimited (erstwhile variant: 2 per cardholder per calendar quarter)
International lounge
Unlimited via LoungeKey (Mastercard variant only) or Priority Pass (erstwhile variant: 2 per cardholder per calendar quarter)
Lounge conditions
Guest visits charged up to USD 35 per person; present the card and boarding pass, or Priority Pass
Forex markup
0%
Fuel surcharge waiver
1% waiver; GST on the surcharge borne by the customer
Other freebies
Golf: 4 games and 4 lessons per month (effective 10 Mar 2026), needs Rs 25,000 spend in the last statement; Mastercard World Elite golf: 12 rounds and 12 lessons a year, max 3 a quarter; BookMyShow 4 free tickets a quarter, Rs 1,000 cap each (erstwhile variant: buy-one-get-one, 3 a month, Rs 700 cap); 20% or Rs 350 off (whichever is lower) per two non-movie tickets; Rs 3,000 off the dining bill at 100+ restaurants; Advance Medical second opinion; Flexiroam 3 GB data plan a year; concierge; Total Protect fraud cover up to the credit limit. Complimentary Club ITC Culinaire membership (Mastercard variant) discontinued effective 5 Oct 2025
Charges and eligibility
Interest per month
2.99%
Late payment fee
Waived
Cash advance fee
Waived
Eligibilityunverified
IndusInd Pioneer banking clients, by invitation
Fine-print notes
Issuer product page read as plain text on 2026-10-12; fields updated from it. Forex markup 0% confirmed on page (cut from 1.8% with effect from 5 Oct 2024). Interest 2.99% a month confirmed on page. Page shows both Mastercard and Visa (Infinite) offers. Page does not state fees, the redemption cap or eligibility. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (Aug 2019 reduced-earn table, golf programme terms). CONFLICTS (issuer page used; old value and source): transfer_ratio (KrisFlyer): Book1A said 1:1; issuer page says 2 RP = 1 KrisFlyer mile (matches Card Insider) | other_freebies: old 'EazyDiner Rs 3,000 off twice a year'; page says Rs 3,000 off the bill at 100+ restaurants without stating a frequency. Old golf '4 + 4 per month' unchanged. Earlier non-issuer data not found on the issuer page (unconfirmed): air accident cover Rs 2.5 crore; fuel waiver range Rs 400-4,000; max 30,000 RP redeemable per statement cycle (kept in reward_caps, unverified). Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).
Questions
What is the annual fee of the IndusInd Pioneer Heritage Credit Card?
Rs 25,000 a year, before GST. It is waived if you spend Rs 10,00,000 in a year.
Does the IndusInd Pioneer Heritage Credit Card give airport lounge access?
Yes. In India: Unlimited (erstwhile variant: 2 per cardholder per calendar quarter). Outside India: Unlimited via LoungeKey (Mastercard variant only) or Priority Pass (erstwhile variant: 2 per cardholder per calendar quarter). Conditions: Guest visits charged up to USD 35 per person; present the card and boarding pass, or Priority Pass
What is the forex markup on the IndusInd Pioneer Heritage Credit Card?
0% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IndusInd Pioneer Heritage Credit Card?
Select merchant categories earn reduced points: 0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, domestic and international (issuer notice effective 1 Aug 2019); programme revised again from 2 Feb 2023 (details behind a link). Fuel earn not stated on page
