IndusInd Bank
IndusInd Bank Pioneer Legacy Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Foreign Markup
1.8%
Welcome Benefits
Gift Vouchers from Oberoi/Luxe
Product Highlights
- Oberoi hotel e-gift voucher and a Luxe Gift card worth ₹5,000 as a welcome benefit.
- 2 Reward Points on every ₹100 spent on weekends & 1 Reward Point on every ₹100 spent on weekdays.
- 4,000 bonus reward points every year on achieving the milestone spend.
- Buy 1 Get 1 offer on movie ticket bookings on BookMyShow.
- Complimentary domestic & international lounge access.
- Complimentary golf games at selected golf courses.
- Air accident cover worth ₹25 lakhs and several travel insurances.
- No Cash advance fee.
- Low foreign currency markup fee of 1.8%.
- 24×7 Concierge services.
Reward Calculator
Earns ₹750/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
3K
IndusInd Pioneer Reward Points
₹750
via statement credit · ₹0.25/pt
Effective rate
0.25%
Annual fee
FREE
Year 1 net
+₹750
Year 2+ net
+₹750
ongoing
Adjust your spend by reward bucket
1 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
6,000 bonus reward points
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
1.8%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Get 2 Reward Points on every ₹100 spent on weekends and 1 Reward Point on every ₹100 spent on weekdays. Buy 1 Get 1 free offer on movie tickets on BookMyShow.
- 1 RP = ₹1 for Redemption for Cash
Benefits & Features
Domestic: 1 complimentary domestic lounge access every quarter International: 2 complimentary international lounge access every quarter with the Priority Pass Complimentary Priority Pass membership, which can be used to access lounges with a usage fee of USD 35.
Pros & Cons
Pros
- 2 Reward Points on every ₹100 spent on weekends.
- 1 Reward Point on every ₹100 spent on weekdays.
- Buy 1 Get 1 free offer on movie tickets on BookMyShow.
- Complimentary domestic and international lounge access.
- 4 complimentary golf games each month.
Cons
- High joining fee of ₹50,000.
- No reward points on fuel transactions.
Additional Info
Excluded Categories
Partner Merchants
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Fees & Charges
Eligibility
Networks