IndusInd Bank Pioneer Heritage Credit Card
IndusInd Bank
Annual Fee
₹25,000
Joining Fee
₹100,000 + GST
Base Reward
1% points
Foreign Markup
3.5% + GST
Fee Waiver
Waiver of Annual Charges on Spends of ₹10 Lakh
Interest Rate
2.99% per month
Welcome Benefits
Oberoi e-gift voucher and a Luxe Gift card
Product Highlights
- Unlimited lounge access with Pioneer Heritage Metal card
- 2.5 Reward Points for international transactions
Rewards
2.5 Reward Points for Rs 100 spent on international transactions and 1 Reward Point for Rs 100 spent on domestic transactions.
Redemption
1 RP = ₹1 When Points Are Redeemed Against Statement Credit.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
entertainment | 2.5%(2.5 Reward Points for Rs 100 spent on international transactions) | No cap |
other | 1%(1 Reward Point for Rs 100 spent on domestic transactions) | No cap |
Benefits & Features
Domestic: 2 per quarter (8 complimentary domestic lounge access every year) (Available with Pioneer Heritage credit card.) International: Unlimited with Pioneer Heritage Metal credit card and 2 per quarter using LoungeKey membership. (Available with Pioneer Heritage credit card.) Unlimited lounge access with Pioneer Heritage Metal credit card.
Fees & Charges
Eligibility
Available Networks
Pros & Cons
Pros
- Welcome gift of Oberoi e-gift voucher
- Up to 3 complimentary movie tickets every month
- 20% off on non-movie bookings with BookMyShow
Cons
- High joining fee of ₹100,000 + GST
- Annual fee of ₹25,000 + GST
Additional Info
Maximum reward points capped at 30,000 per statement cycle
Minimum redeemable reward points against cash credit is 500
Maximum of 30,000 reward points can be accumulated per statement cycle.