IndusInd Bank Pioneer Heritage Credit Card Review

IndusInd Bank offers so many credit cards for their customers and IndusInd Bank Pioneer Heritage Credit Card is one of them. The card is specially designed for travel and lifestyle benefits. It has also many more privileges such as Pioneer Heritage Welcome, reward points, Pioneer Heritage Life, Dining and movies offer Pioneer Heritage Travel, Pioneer Heritage Assistance, Pioneer Heritage Freedom,  Master card offers, etc.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹25,000 monthly. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹90.000 / ₹1,80,000 (With GST)
  • Annual Fee: ₹25.000 / None (With GST)


  • Welcome benefit:

With the issuance of the card, you will get some gift vouchers from the Oberoi group of hotels, and Luxe gift cards, etc.

  • Reward benefit:

If you spend ₹100 on International transactions you will get 2.5 reward points.

And if you spend ₹100 on domestic transactions you will get 1 reward point.

These reward points can be redeemed through cash credit, InterMiles, etc. (1 reward points equal to ₹1)

  • Lounge access:

With your IndusInd Bank Pioneer Heritage credit card you will be able to get more than 850 lounge access to 400+ International airports all around the world.

You will get 2 complimentary domestic and 2 complimentary airport lounge accesses per year.

  • Movie benefit:

With this card, you will get a 20% discount when you book movie tickets from BookMyShow.

If you Book a movie ticket from BookMyShow, you will get another movie ticket completely free. You can get a maximum of 3 free tickets per month. 

  • Dining benefit:

This card offers an annual savings of up to ₹3000 on your dining bill. The total amount you can save depends on your spending. 

  • Golf access:

There are some complimentary golf games and golf lessons available on this card. You will get 4 complimentary golf games and 4 complimentary golf lessons per month. You can use the benefits in the leading golf clubs of Ahmedabad, Bengaluru, Chennai, Delhi, Hyderabad, etc.

Also, you will get 3 complimentary green fees per quarter and 3 complimentary golf lessons per quarter, from MasterCard. 

  • Fuel surcharge waiver:

You will get a 1% fuel surcharge waiver when you spend between Rs.400 to Rs.4000 at any petrol pump in India.

  • Insurance Coverage:

This card comes with air accidental coverage of ₹2.5 Cr. 

  • Concierge Service:

You will get concierge services with this card which is available 24×7. With this facility you can avail of pre-trip assistance, flight booking, hotel reservation, sports, and entertainment booking, ordering flowers and gifts for your special one.

  • Contactless facility:

This card comes with a contactless payment facility, which means you don’t need to swipe your card to make payments, you can pay with just a wave at any secure reader machine. This feature is not only convenient but it reduces the chances of skimming.


  • Cash Withdrawal Charge: None. 
  • Finance Charge: 2.99% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

Call: 1860-267-7777

Mail: [email protected]

100xGain Ratings:


Final Opinion:

IndusInd Bank Pioneer Heritage Credit Card is best for those who travel more frequently, it offers free domestic and international lounge access, free golf rounds at some of the premium golf courses, special benefits on movies and Dining, etc. you can also earn reward points with this card and convert them into cash, you will get an always helpful concierge service, fuel surcharge waiver, etc. 

The only drawback of the card is the high joining fee, although there are no annual fees on the card. However, if you think the joining fee is too for you then there are lots of premium Credit cards that come at a relatively low cost and offer much better benefits. you can go for HDFC Bank Infinia Credit Card, HDFC Bank Diners Club Black Credit Card, American Express® Platinum Card, etc. 


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