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IndusInd Pioneer Heritage

IndusInd Bank
|
Lounge Access Premium Rewards Travel

Annual Fee

₹25,000

Rewards/₹100 ⓘ

₹1.00 - ₹2.50

Normalized to balance base rate with bonus categories

Interest Rate

46.00%

Credit Score

750+

At a Glance

Key Benefits

Reward points

Lounge Access

2 domestic + 2 intl lounges/year

Eligibility

Income: Above Rs 1 Lakh/month, Age: 21-65 years, CIBIL: 750+

Quick Details

Annual Fee
₹25,000 #297
Joining Fee
₹1,00,000 #305
Interest Rate
46.00% p.a. #260
Forex Markup
0.00% #1
Rewards/₹100
₹1.00 - ₹2.50 #114
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
International Lounge Visits
2/year #41
Min Credit Score
750+ #186
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee 15.00% (min ₹100)
Over Limit Fee ₹600
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹10,00,000/yr

Reward Structure

Base

All Spends

₹1.00 /₹100
Cat

International Spends

₹2.50 /₹100

Reward Calculator

₹
Allocate by Category100%
International Spends
2.5 pts
60%₹30,000
Other Spends
1.0 pts
40%₹20,000
Your Rewards
Points Earned950
Cash Value₹950
Breakdown
International Spends750
Other Spends200
Total Value₹950
Quick amounts:

Milestone Benefits

Welcome Bonus

Welcome vouchers worth Rs.1 lakh

₹1,00,000

value

Welcome Bonus

Rs.5,000 Luxe Gift Card

₹5,000

value

Airport Lounge Access

Domestic Free
2

visits per quarter

International Free
2

visits per quarter

Priority Pass Free
8

visits per year

Insurance Coverage

Personal Accident

₹2,50,00,000

Baggage Loss

₹1,00,000

Travel

₹50,000

Lifestyle Perks

Golf

4 /month

4 golf games + 4 lessons per month

Concierge

24x7 global concierge service

Movies

20.00% off

20% off on BookMyShow events

Quick Analysis

The IndusInd Pioneer Heritage is positioned as a super-premium card with exceptional forex benefits (0% markup) and strong reward value (1:1). The Rs.1 lakh joining fee is substantial but offset by welcome vouchers. Best for IndusInd relationship customers and international travelers seeking premium privileges.

Pros

  • 0% forex markup on international transactions
  • 1 RP = Rs.1 or 1 Airmile value
  • 2.5X rewards on international spends
  • Welcome vouchers worth Rs.1 lakh
  • Rs.2.5 crore personal accident cover
  • Rs.5,000 Luxe gift card for luxury brands
  • Priority Pass (Visa variant)
  • No late payment or overlimit fees
  • Free cash advances

Cons

  • Rs.1 lakh joining fee is highest in category
  • Requires Rs.10L AQB or Rs.30L NRV
  • Only 2 lounge visits per quarter (non-metal)
  • InterMiles redemption discontinued
  • Golf benefits reduced from March 2025
  • ITC Club Culinaire discontinued Oct 2025

Best For

IndusInd premium customers, international travelers, luxury lifestyle seekers

Not Ideal For

Those without high NRV, domestic-only users, frequent lounge users

Frequently Asked Questions

What are the fees for IndusInd Pioneer Heritage Credit Card?
The IndusInd Pioneer Heritage Credit Card has a joining fee of Rs 100,000 and annual fee of Rs 25,000. The annual fee can be waived on spending Rs 1,000,000 in the previous year.
What is the eligibility criteria for IndusInd Pioneer Heritage Credit Card?
To be eligible for the IndusInd Pioneer Heritage Credit Card, you need a minimum monthly income of above Rs 1 Lakh/month, age between 21-65 years, and a credit score of 750+. IndusInd Bank customers with existing relationships may get preferential treatment.
What rewards does IndusInd Pioneer Heritage Credit Card offer?
The IndusInd Pioneer Heritage Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 1.00. Points can be redeemed for vouchers, merchandise, or travel bookings through the IndusInd Bank rewards portal.
Does IndusInd Pioneer Heritage Credit Card offer airport lounge access?
Yes, the IndusInd Pioneer Heritage Credit Card provides complimentary airport lounge access. Please check the lounge access section above for detailed information on domestic and international lounge visits.
How can I apply for IndusInd Pioneer Heritage Credit Card?
You can apply for the IndusInd Pioneer Heritage Credit Card through IndusInd Bank official website, mobile app, or by visiting your nearest IndusInd Bank branch. Existing customers can also apply through net banking.

User Reviews

Our Rating

3.4
APPLY NOW

on IndusInd Bank's website

Rating Breakdown

Rewards
3.5/5 Top 55%
Benefits
4.3/5 Top 37%
Fees
2.3/5 Top 98%
Value for Money
3.7/5 Top 26%
User Reviews
3.0/5 Top 50%

Important Links

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