IndusInd Bank Pioneer Heritage Credit Card
Joining Fee: ₹90,000 + GST
Renewal Fee: ₹25,000 + GST
Reward Type: Reward Points
Exclusive Welcome Offers
Oberoi E-Gift Voucher: Receive an Oberoi e-gift voucher valid for 6 months, with the option to redeem up to 2 vouchers per single-stay reservation.
Luxe Gift Vouchers: Enjoy premium access to over 30 luxury brands with Luxe gift vouchers worth ₹5,000, valid for 6 months with multiple redemptions up to the voucher’s cash limit.
Dining Savings: Get up to ₹3,000 off annually on dining through the Pioneer Heritage program at select partner restaurants. Book via Indus Moments, with discounts capped at ₹3,000, and note that home deliveries are excluded.
Reward Points Structure
Earning Points: Accumulate 2.5 Reward Points for every ₹100 spent on international transactions and 1 Reward Point per ₹100 spent on domestic transactions.
Redemption Options: Redeem points for AirMiles (100 RP = 100 InterMiles), cash credit (1 RP = ₹1), or through the Indus Moments reward portal. A minimum of 500 points is required for redemption, with a cap of 30,000 points per statement cycle.
Movie Benefits
Buy 1 Get 1 Movie Tickets: Avail a “Buy 1 Get 1” movie ticket offer on BookMyShow, up to 3 times a month with a maximum benefit of ₹700 per ticket.
Pioneer Heritage Metal Card: Enjoy up to 4 complimentary movie tickets per quarter with a maximum ticket value of ₹1,000.
Non-Movie Booking Discounts: Receive up to 20% off on non-movie bookings, with a maximum discount of ₹350 for every 2 tickets purchased.
Dining Privileges
Club ITC Culinary Program: Earn up to 25% in green points on dining at select ITC Hotels & Welcomhotels.
Additional Green Points: Accumulate up to 5% green points on non-dining expenses at ITC Hotels, Welcomhotels, and Fortune Hotels.
Dining Discounts: Save up to 20% on dining at select Fortune Hotels.
Travel Benefits
Lounge Access: Unlimited domestic and international lounge access with the Pioneer Heritage Metal card. Enjoy 8 complimentary domestic lounge visits per year (2 per quarter) and 8 international lounge visits per year via LoungeKey membership (2 per quarter).
Golf Benefits
Complimentary Golf Rounds: Receive 12 complimentary golf rounds annually (3 per quarter) at select courses.
Guest Golf Access: Enjoy 4 complimentary guest golf accesses per year, with one per calendar quarter.
Golf Lessons: Benefit from 12 complimentary golf lessons annually, with a maximum of 3 lessons per quarter.
Insurance Coverage
Accidental Air Death Protection: Complimentary insurance coverage up to ₹2.5 crore.
Fraud Protection: Liability cover for unauthorized transactions reported within 48 hours.
Foreign Transaction Benefits
Low Foreign Currency Markup: Benefit from a reduced foreign currency markup fee of 1.8%, with the standard 3.5% charge on foreign conversions refunded to your account.
Annual Fee Waiver
Spend-Based Fee Waiver: Waiver of the annual fee for cardholders who spend ₹10 lakhs or more within a year.
Fuel Surcharge Waiver
Fuel Transaction Waiver: Receive a 1% waiver on fuel surcharges for transactions between ₹400 and ₹4,000 at fuel stations across India.
The IndusInd Pioneer Heritage credit card is designed for premium customers, offering exceptional features and privileges. Its sleek metal design enhances its appeal. Cardholders earn 2.5 Reward Points per ₹100 spent on international transactions and 1 Reward Point per ₹100 spent on other purchases. The card provides versatile redemption options, including cash credit, AirMiles, and IndusMoments. It is notable for its favorable cash credit ratio on redemptions, though it comes with a high joining fee.