Pioneer Heritage Credit Card

Name: Pioneer Heritage Credit Card
Brand: IndusInd Bank
Price: 25000 INR

IndusInd Bank•VisaSuper-premiumActive

Official Page ↗

Highlights

Base reward rate: 1% return (1 pts per ₹100)
Domestic Lounge: 99 visits/quarter via Visa Lounge Program
International Lounge: Unlimited visits via Priority Pass

Welcome / Joining Benefit

Luxe vouchers given on fee payment. Free for top-tier Pioneer wealth clients.

Points Expiry

Points never expire (Lifetime valid).

Joining Fee

₹90,000

+18% GST applicable

Annual Fee

₹25,000

+18% GST applicable

Renewal Fee

₹25,000

+18% GST applicable

Joining Fee Waiver

Luxe vouchers given on fee payment. Free for top-tier Pioneer wealth clients.

Annual Fee Waiver

Spend Threshold₹10,00,000

PeriodPrevious anniversary year

Waived on annual spends of ₹10 Lakhs or more.

Other Charges

Foreign Exchange Markup0%

Zero forex markup card.

Basic Requirements

Minimum Age21 years

Maximum Age70 years

Eligible OccupationSalaried, Self-Employed

Private BankingPrivate Banking customers only

Additional Details

Requires Pioneer Status/TRV relationship with IndusInd Bank.

Forex markup: 0%

Base Reward Rate

Points per Spend

1 pts

Per Every

₹100

Effective Return

Currency: IndusInd Reward Points — 1 point ≈ ₹1

Accelerated & Special Rates

2.5 points per ₹100 spent on international transactions.

2.5X

2.5% return

❌ No Points Earned On:

FuelWallet LoadRent

🛫 Domestic Lounge Access

ProgramVisa Lounge Program

Visits99 per quarter

Guest AccessYes

🌏 International Lounge Access

ProgramPriority Pass

VisitsUnlimited

Guest AccessYes

Redemption Options

IndusInd Reward Points

Smart Redemption Tips

🏆 Best value: Airline Transfer at ₹0.30–₹1.00/pt — maximize your returns here.

⚠️ Avoid Statement Credit (₹0.25/pt) — you lose 60% of point value.

🪙 Reward currency: IndusInd Reward Points

Best Value

🛩️Airline Transfer

Transfer to airline partners (value varies by airline)

₹0.30–₹1.00/pt

🎁Gift Voucher

Gift vouchers via IndusMoments

₹0.30/pt

💳Statement Credit

Redeem points against outstanding balance

₹0.25/pt

Points Transfer Partners

Total: 0 partners

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No transfer partners found matching your search/filters.

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