IndusInd Bank Pioneer Heritage Credit Card Review

The Indusind Bank Pioneer Heritage Credit Card is one of the best indusind bank credit cards you can get in India. While the annual fee of this card may seem enormous, it makes a lot of sense, when you take a look at the benefits. It lets you enjoy attractive deals on dining, complimentary golf rounds, free access to airport lounges, free movie tickets every month, and lots more. A detailed description of the indusind credit card benefits is mentioned below.

Who can apply for the IndusInd pioneer heritage credit card?

  • Resident Type: Indian. 
  • IndusInd bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs.45,000 monthly. 
  • IndusInd card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Annual income tax return should be greater than Rs.6 lakh. 
  • A CIBIL score of 730+ is needed to apply for this heritage card.

What documents are needed to apply for an indusind bank credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • 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.

What are the indusind bank pioneer heritage credit card fees?

  • Joining fee: Rs.90.000 + GST or Rs.1,80,000 + GST
  • Annual fee: Rs.25.000 + GST / None for the Rs.1,80,00 joining fee variant.

What are the indusind bank credit card benefits?

  • Get started with a huge joining bonus:

With your indusind credit card activation, you will receive a number of attractive gift vouchers from MontBlanc, Luxe Gift Card, Oberoi Hotel, Vouchagram, etc.

  • Make your every transaction rewarding:

The indusind bank credit card reward points are offered like this.

Category of transaction 

IndusInd credit card rewards for every Rs.100 transaction

International transactions

2.5 indusind rewards points

Domestic transactions

1 reward point

You can redeem those points from the indusind bank credit card rewards catalogue.

  • Complimentary indusind bank credit card lounge access facility:

The details of the indusind credit card lounge benefits are mentioned below.

Card variant


Pioneer heritage card

2 free access per quarter (both domestic and international lounges)

IndusInd bank pioneer heritage metal credit card

Unlimited (both domestic and international lounges)

  • Enjoy attractive indusind credit card movie offers:

This Pioneer Heritage card comes with a bunch of attractive entertainment benefits, the details are mentioned below.

Card variant

Movie benefits

Non-movie benefits

Pioneer heritage card

4 free movie tickets per quarter (Max ticket value; Rs.1000 each)

Rs.350 off (min Rs.350) on purchasing at least 2 non-movie tickets

Pioneer heritage metal credit cards

3 free movie tickets in a month under the buy one get one free offer (Max ticket value; Rs.1000 each) extra Rs.50 off of F&B option.

Rs.350 off (min Rs.350) on purchasing at least 2 non-movie tickets

The indusind credit card movie offers are only available on the tickets booked via BookMyShow.

  • Dine with more delight:

This indusind bank credit card offers an annual savings of up to Rs.3000 on your dining bill. The offers are available at over 100+ premium restaurants in India.

The MasterCard variant of the indusind pioneer credit card also offers exclusive deals on your dining expenses. You can find the detailed terms and conditions here.

  • Exclusive deals for golf lovers:

The indusind pioneer credit card gives you 4 complimentary golf rounds every month, also if you own the metal variant of this card, you can enjoy unlimited free golf rounds. Click here to find the detailed terms and conditions.

Also if you use the MasterCard variant of this pioneer heritage credit card, you will get extra 12 golf rounds and 12 free golf lessons every year (upto 3/quarter). You will also get 4 free guest accesses (1/quarter).

  • Get freedom from fuel surcharges:

This indusind bank credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs.400 to Rs.4000.

  • Complimentary indusind bank credit card insurance coverage:

This indusind lifestyle credit card comes with air accidental coverage of Rs.2.5 Cr to provide you with better protection while traveling.

  • Enjoy assistance from a multilingual concierge team:

This indusind bank card features a multilingual concierge service facility that can assist you with travel booking, hotel reservation, table booking at restaurants, gift delivery, and lots more. You can call the indusind bank credit card helpline number to book your free concierge.

  • Complimentary lost card liability coverage:

This card also features a complimentary lost card liability coverage, which means, if your card ever gets lost or stolen then you just have to report it by calling the indusind credit card customer care toll free no and you will no longer be liable for anything bad that may happen to your indusind pioneer account.

What are the charges of IndusInd Bank credit card?


Chargeable amount

Indusind bank atm withdrawal fee

2.5% against the amount, min Rs.300 (check your credit card limit before making a withdrawal)

IndusInd card finance charge

The indusind bank credit card interest rate can go up to3.83% monthly (applicable if your indusind credit card bill is not made in time)

Foreign transaction fee

3.5% against the transacted amount

IndusInd bank card add-on credit card fee


How to contact the indusind credit card helpline department?

  • Call the indusind credit card call centre number: 1860-267-7777 / 022-4406-6666 or 022-4220-7777 (Premium Customers)
  • Write to the indusind bank credit card customer care email id:

100xGain Ratings:


Pros and cons of the indusind pioneer heritage credit card:



  • You can enjoy a free lounge and golf access.
  • The indusind bank credit card free movie tickets offers are quite impressive.
  • The joining/annual fee of this card is quite high.

Final Opinion:

If you are looking for a premium quality lifestyle credit card then the Indusind Bank Pioneer Heritage Card would be a great choice for you. It has all the benefits and privileges that you can expect from premium credit cards. Although the joining and annual fee of the card is quite high and the benefits offered by this card can’t justify it that well.

So, if you think that the card is too expensive, then don’t worry, there are several other options available for you on our best lifestyle cards page. Also if you are interested in metal cards then you should check the new hdfc infinia metal card.

Alternative cards: 

  1. Axis Bank Vistara Infinite Credit Card (Best for lounge and dining benefits) 
  2. HDFC Millennia Credit Card (Cashback and dining benefits)
  3. IDFC First Bank First Millennia Credit Card (Bets for reward and dining benefits) 
  4. YES Prosperity Edge Credit Card (Best for lounge and golf benefits) 


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