IndusInd BankVisa · MastercardLast checked 12 Oct 2026invite-only
The IndusInd Pioneer Legacy Credit Card charges no annual fee, with a joining fee of Rs 45,000. Its base return is 1% (1 RP per Rs 100 on weekdays (Mon-Fri), by transaction date). Accelerated earn: 2 RP per Rs 100 on weekends (Sat, Sun). The forex markup is 1.8%. Abroad: 2 per calendar quarter via Priority Pass, outside India; paid variant only. Read from the issuer's documents and an aggregator on 12 Oct 2026.
Card design: indusind.bank.in
Annual fee
Free
Fee waived at
—
Base return
1%
Forex markup
1.8%
Interest
3.83%a month
Fees
Joining feeunverified
Rs 45,000
Annual fee
Free
Fee notes
Issuer Pioneer site: join at a discounted joining fee of Rs 45,000 with welcome vouchers of choice worth Rs 50,000, or at Rs 5,000, waived on Rs 50,000 spend in the first 90 days (no welcome vouchers; the 'complimentary' variant). Add-on card fee waived. Earlier reading of the issuer MITC: Rs 50,000 joining fee, no annual fee.
Rewards
Welcome benefit
Paid variant: welcome vouchers of choice worth Rs 50,000 (Montblanc, The Postcard Hotel or Qwikcilver (Woohoo) Premium). None on the Rs 5,000 variant
Reward currency
Reward Points
Base earn
1 RP per Rs 100 on weekdays (Mon-Fri), by transaction date
Base return
1%
Point value
1 RP = Re 1 cash credit
Accelerated earn
2 RP per Rs 100 on weekends (Sat, Sun)
Caps
RP earned only on spends up to the assigned credit limit in each statement cycle
Spends that earn nothing
No RP on fuel (from 1 Apr 2018). 0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, weekdays and weekends (issuer notice effective 1 Aug 2019); programme revised again from 2 Feb 2023 (details behind a link)
Milestone benefits
4,000 bonus RP on spends of Rs 5,00,000 or more within one year of card issue
Reward notes
base_return_pct = 1 RP per Rs 100 x Re 1 on weekdays (both issuer-stated); 2% on weekends. InterMiles redemption ended 21 Jan 2025, Club Vistara 31 Oct 2024.
Transfers
Partners
Singapore KrisFlyer
Ratiounverified
200 RP = 100 KrisFlyer miles (Card Insider)
Travel and perks
Domestic lounge
1 per calendar quarter; from the July 2026 quarter needs Rs 1.5 lakh spend in the previous quarter (tracking from 1 Apr 2026)
International lounge
2 per calendar quarter via Priority Pass, outside India; paid variant only
Lounge conditions
Extra and guest Priority Pass visits USD 35. Domestic access spend-linked from the July 2026 quarter. Priority Pass issued within 15 working days of card issue
Forex markup
1.8%
Fuel surcharge waiver
1% waiver at any fuel station in India
Other freebies
Golf: 2 games and 2 lessons per month (effective 10 Mar 2026, down from 4 + 4), needs Rs 25,000 spend in the last statement; BookMyShow buy-one-get-one up to 3 free tickets a month, Rs 200 cap each, Rs 50 off F&B per 2 tickets (offer valid to 31 Mar 2027); lost baggage cover Rs 1 lakh, delayed baggage Rs 25,000, passport loss Rs 50,000, lost ticket Rs 25,000, missed connection Rs 25,000; concierge; Auto Assist in six metros; Total Protect fraud cover up to the credit limit; no cash advance fee
Charges and eligibility
Interest per month
3.83%
Late payment fee
By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300
Cash advance fee
Waived
Eligibility
IndusInd Pioneer banking clients
Fine-print notes
Issuer product page read as plain text on 2026-10-12; fields updated from it. Two issuer pages read: the main-site product page and the Pioneer-site page https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (fees, lounge spend rule, golf and BookMyShow terms). Forex markup 1.8% applies to the paid variant only: transactions are charged at 3.5% and the difference is credited the following month; complimentary cards pay 3.5%. International lounge access is also paid-variant only. Page shows Mastercard and Visa Signature offers. KrisFlyer ratio is not stated on either page. CONFLICTS (issuer page used; old value and source): joining_fee: old 50,000 (issuer MITC); Pioneer site says discounted joining fee Rs 45,000 | welcome_benefit: old 'Oberoi e-gift voucher plus Luxe gift card Rs 5,000' (Card Insider); issuer pages: vouchers of choice worth Rs 50,000 from Montblanc, Postcard Hotel or Qwikcilver | other_freebies (golf): old '2 games + 2 lessons' matches the benefit effective 10 Mar 2026; the main page's value table still shows the earlier 4 a month. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver range Rs 400-4,000. 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 Legacy Credit Card?
No annual fee.
Does the IndusInd Pioneer Legacy Credit Card give airport lounge access?
Yes. In India: 1 per calendar quarter; from the July 2026 quarter needs Rs 1.5 lakh spend in the previous quarter (tracking from 1 Apr 2026). Outside India: 2 per calendar quarter via Priority Pass, outside India; paid variant only. Conditions: Extra and guest Priority Pass visits USD 35. Domestic access spend-linked from the July 2026 quarter. Priority Pass issued within 15 working days of card issue
What is the forex markup on the IndusInd Pioneer Legacy Credit Card?
1.8% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IndusInd Pioneer Legacy Credit Card?
No RP on fuel (from 1 Apr 2018). 0.70 RP per Rs 100 on utility bills, insurance premiums, government services and education fees, weekdays and weekends (issuer notice effective 1 Aug 2019); programme revised again from 2 Feb 2023 (details behind a link)
