Welcome Benefit:Users will get free stay at Oberoi Hotels. Voucher from MontBlanc. Voucher from Luxe Gift Card. Voucher from Vouchergram.
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Indusind Pioneer Heritage Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit:Users will get free stay at Oberoi Hotels. Voucher from MontBlanc. Voucher from Luxe Gift Card. Voucher from Vouchergram.
Milestone Benefits
None.
Cashback Rate
Users will get 1 reward point on spending INR 100 on all domestic transactions.
Value of 1 reward point = INR 0.75. Domestic cashback rate: 0.75%.
0.70 reward points on spending INR 100 on utility bill payments, insurance premiums, government services/charges/payments, education institute fees, and real estate/rental payments. Utility cashback rate: 0.525%.
2.5 reward points on spending INR100 on international transactions. Value of 1 reward point = INR 0.75. International cashback rate: 1.875%.
Movie Benefits
Buy one movie ticket and get the other one free on BookMyShow. Max 3 free tickets in a month. The price of the free ticket is capped at Rs 700 per ticket. Additionally, get Rs 50 off on selecting the F&B option.
Dining Benefits
Users will get complimentary dining vouchers worth Rs 3,000 twice a year, which can be used at select luxury restaurants across India through EazyDiner, with no minimum billing requirement.; Free 2 Culinary Delights certificates which will get you: 25% off on F&B Bill at ITC hotels for a maximum of 4 guests. Not valid for Sunday brunch.; Free 2 Culinary Extravagance certificates which will get you: 50% off on lunch/dinner for 2 at ITC hotels. Not valid for Sunday brunch.; Get 20% off while dining at Fortune and WelcomHeritage Hotels.; Get 50% bonus Green Points on dining spends at select restaurants at ITC Hotels on Fridays.; Get 50% bonus Green Points on your and your spouse's birthday week on your dining spends (37.5% earnings) or stay (7.5% earnings) atITC Hotels and Sheraton New Delhi.
Other Benefits
Users will get 4 free golf lessons per month, get 4 free golf sessions per month.; Low forex markup of 1.8%.; 24x7 Concierge.; Zero fuel surcharge.; Air accident cover of Rs Rs 25 Lakhs.; Free one-night hotel stays at select Mastercard partner hotels.; Free 2 Sweet Indulgence certificates which will get you: 30% off on at gourmet shop at a participating ITC hotel (for purchases of a maximum up to Rs 5,000).; Free 2 Luxury Sojourns certificates which will get you: 20% off at the purchase of Welcombreak packages.; Get 20% off on F&B spends at participating Fortune Hotels (valid up to 8 guests including the member).; Enjoy 2 drinks at the cost of 1 at select bars between 6:00 pm and; 8:00 pm, every Wednesday (applicable on select beverages).
Lounge Access
Free LoungeKey and Priority Pass memberships.; 2 free domestic lounge visits per quarter.; 2 free international lounge visits per quarter.
Rewards & Benefits
Welcome Benefits
Welcome Benefit:Users will get free stay at Oberoi Hotels. Voucher from MontBlanc. Voucher from Luxe Gift Card. Voucher from Vouchergram.
Milestone Benefits
None.
Cashback Rate
Users will get 1 reward point on spending INR 100 on all domestic transactions.
Value of 1 reward point = INR 0.75. Domestic cashback rate: 0.75%.
0.70 reward points on spending INR 100 on utility bill payments, insurance premiums, government services/charges/payments, education institute fees, and real estate/rental payments. Utility cashback rate: 0.525%.
2.5 reward points on spending INR100 on international transactions. Value of 1 reward point = INR 0.75. International cashback rate: 1.875%.
Movie Benefits
Buy one movie ticket and get the other one free on BookMyShow. Max 3 free tickets in a month. The price of the free ticket is capped at Rs 700 per ticket. Additionally, get Rs 50 off on selecting the F&B option.
Dining Benefits
Users will get complimentary dining vouchers worth Rs 3,000 twice a year, which can be used at select luxury restaurants across India through EazyDiner, with no minimum billing requirement.; Free 2 Culinary Delights certificates which will get you: 25% off on F&B Bill at ITC hotels for a maximum of 4 guests. Not valid for Sunday brunch.; Free 2 Culinary Extravagance certificates which will get you: 50% off on lunch/dinner for 2 at ITC hotels. Not valid for Sunday brunch.; Get 20% off while dining at Fortune and WelcomHeritage Hotels.; Get 50% bonus Green Points on dining spends at select restaurants at ITC Hotels on Fridays.; Get 50% bonus Green Points on your and your spouse's birthday week on your dining spends (37.5% earnings) or stay (7.5% earnings) atITC Hotels and Sheraton New Delhi.
Other Benefits
Users will get 4 free golf lessons per month, get 4 free golf sessions per month.; Low forex markup of 1.8%.; 24x7 Concierge.; Zero fuel surcharge.; Air accident cover of Rs Rs 25 Lakhs.; Free one-night hotel stays at select Mastercard partner hotels.; Free 2 Sweet Indulgence certificates which will get you: 30% off on at gourmet shop at a participating ITC hotel (for purchases of a maximum up to Rs 5,000).; Free 2 Luxury Sojourns certificates which will get you: 20% off at the purchase of Welcombreak packages.; Get 20% off on F&B spends at participating Fortune Hotels (valid up to 8 guests including the member).; Enjoy 2 drinks at the cost of 1 at select bars between 6:00 pm and; 8:00 pm, every Wednesday (applicable on select beverages).
Lounge Access
Free LoungeKey and Priority Pass memberships.; 2 free domestic lounge visits per quarter.; 2 free international lounge visits per quarter.
Fees & Charges of
Indusind Pioneer Heritage Credit Card
Joining Fee
INR 90,000
Annual Fee
INR 25,000
Cash Advance Fee
Cash Advance Fee:Waived.
Interest rate
2.99% per month and 36% per annum.
Late Payment Fee
Late Payment Fee:Waived.
Foreign Currency Transactions Fee
Foreign Currency Markup Fee:1.8% + GST of the transaction amount.
Other Fees
Joining Fee
INR 90,000
Annual Fee
INR 25,000
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
2.99% per month and 36% per annum.
Late Payment Fee
Late Payment Fee:Waived.
Foreign Currency Transactions Fee
Foreign Currency Markup Fee:1.8% + GST of the transaction amount.
Other Fees
Fee and Charges of
Indusind Pioneer Heritage Credit Card
Special Features
Complimentary dining vouchers worth INR 3,000 twice a year, which can be used at select luxury restaurants across India through EazyDiner, with no minimum billing requirement.
Eligibility Criteria
Requires a Pioneer Banking relationship with IndusInd Bank.
AQB Requirement: ₹10L (Savings+Current).
NRV Requirement: ₹30L (All Investments Combined) with ₹1L+ on Savings Account.
Speical Feature, Eligibility and Benefits of
Indusind Pioneer Heritage Credit Card
How to apply for Credit Card?
This card is available through invitation.You can apply for Pinnacle Credit Card through online via IndusInd Bank website:
Here's the process:
Visit the IndusInd Bank website
Find the Pioneer Heritage credit card page.
Click on "Apply Now".
Fill out the application form with all of your details.
You can digitally sign the application and complete your V-KYC for faster processing.
Contact Details
1860 267 7777
Account Opening and Procedure of
Indusind Pioneer Heritage Credit Card
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The card offers a wider variety of value add features and is a fully loaded luxury credit card in all aspects. The only con of the card is its low cashback rate.
The card offers a wider variety of value add features and is a fully loaded luxury credit card in all aspects. The only con of the card is its low cashback rate.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai