Joining Fee

₹5,000

Annual Fee

Rs. 5000 + Taxes

IndusInd Bank

Rewards

Travel

Lifestyle

Best For: Frequent international travelers, Golf enthusiasts, Premium dining and lifestyle spenders, Those seeking comprehensive travel insurance and concierge services

Pioneer Heritage Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹1

Pros

Zero foreign currency mark-up fee
Unlimited domestic and international lounge access (Metal variant)
Complimentary golf games and lessons monthly
24-hour concierge service
Total Protect insurance up to credit limit
Complimentary global data plan via Flexiroam
Complimentary access to 50,000+ top doctors worldwide
1 Reward Point = Rs.1 cash credit redemption
KrisFlyer and Maharaja Club miles conversion available
1% fuel surcharge waiver

Cons

ITC Culinaire membership being discontinued for new customers from Sep 2025
InterMiles redemption discontinued
Guest lounge visits chargeable at up to USD 35 per person
Specific fee amounts not disclosed on the page
Reward points revised for select merchant categories

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Welcome gifts available at select fee points only

Rewards program revised for select merchant categories from Feb 2023

Golf benefit effective 10th March 2026 changes to 4 games and 4 lessons per month

LoungeKey available only on Mastercard variant

ITC Culinaire membership not available if already an existing member

Key Benefits & Features

Zero foreign currency mark-up fee on international transactions (reduced from 1.8% to 0% w.e.f 5th Oct 2024)

Complimentary Global Data Plan of 3 GB for 10 days every year via Flexiroam; 15% discount on subsequent Flexiroam data plans

Club ITC Culinaire membership with dining discounts, Green Points, and exclusive hotel privileges (MasterCard variant, discontinued for new customers from 15th Sep 2025)

Advance Medical: complimentary access to 50,000+ top doctors worldwide for cardholder, spouse, children and parents

Welcome gift: Montblanc collection or Qwikcilver (Woohoo) discount vouchers at select fee points

Notable Exclusions

Rewards program revised for select merchant categories from 2nd February 2023Reward Points redemption towards InterMiles discontinued effective 21st January 2025Complimentary ITC Membership (MasterCard variant) discontinued for existing cardholders effective 5th October 2025; not available for new customers boarded on or after 15th September 2025

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Pioneer Heritage Credit Card

The IndusInd Bank Pioneer Heritage Credit Card is a premium lifestyle card designed for those who chart their own distinct course. Built for individuals who stand above the rest, it redefines luxury, privilege, rewards, and convenience across travel, dining, golf, and everyday living. Cardholders enjoy INR 3,000 off at 100+ exclusive restaurants annually, complimentary golf games and lessons at leading clubs across major Indian cities, and welcome gifts from premium brands like Montblanc. Entertainment perks include complimentary movie tickets via BookMyShow, alongside discounts on non-movie events. For travelers, the card offers complimentary international and domestic airport lounge access, zero foreign currency mark-up fees, and a comprehensive 24-hour global concierge service covering hotel reservations, flight bookings, event ticketing, and gift delivery. Reward points can be earned on both domestic and international spends, with flexible redemption options including airline miles on Singapore Airlines, Maharaja Club points, and direct cash credit. Additional benefits include the Total Protect insurance program covering unauthorized transactions and counterfeit fraud, access to over 50,000 global medical experts through Advance Medical, complimentary global data roaming via Flexiroam, and a 1% fuel surcharge waiver. The chip-based contactless card is accepted at over 10 lakh merchant outlets in India and 30 million outlets worldwide.

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