IndusInd Bank Pioneer Legacy Credit Card Review

There are so many credit cards available for the customers of Indusind Bank. Indusind Bank Pioneer Legacy Credit Card is one of them. There are so many benefits of this card such as welcome gifts, reward points, Pioneer Legacy Golf, Pioneer Legacy Travel, Pioneer Legacy Life, Pioneer Legacy Concierge, Pioneer Legacy Auto Assist, Pioneer Legacy Assurance, etc. Let’s discuss the card.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 6 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: ₹45,000 + GST
  • Annual Fee: None. 


  • Welcome benefit:

With the issuance of the card, you will get gift vouchers from Oberoi Hotels, Genesis Luxury, Luxe Gift Card, etc. 

  • Reward benefit:

If you spend ₹100 with your IndusInd Bank Pioneer Legacy credit card you will get 1 reward point.

And on weekends (Saturday and Sunday) if you spend ₹100 you will get 2 reward points. No reward points for fuel transactions.

These reward points can be redeemed through cash (1 reward point equals ₹1), gift vouchers, air miles, online shopping, etc.

You will get 6000 reward points if you spend a total of ₹6 lakh in between 1 year after receiving your card.

You can also get 8 free lounge access per year worth 27 USD by its Travel Plus facility.

  • Lounge access:

You can get lounge access to more than 600 places. You can make your Travel easy with your IndusInd Bank Pioneer Legacy credit card through its priority pass membership. You can save a minimum of 198 USD (approximately ₹9900) per year.

  • Movie benefit:

When you book a movie ticket from BookMyShow you will get 1 movie ticket completely free. You can avail 3 tickets in a month. This offer is valid for all registered cardholders.

You can also get 20% off (up to ₹200) on non-movie transactions.

From Sathyam Cinemas you will get 2 tickets at the price of 1 ticket. You can avail of 4 tickets in a month. This offer is only for the customers of Chennai.

  • Golf access:

With this card, you will get 4 complimentary golf rounds and lessons monthly. You can use the benefits in the leading golf clubs of Ahmedabad, Bengaluru, Chennai, Delhi, Hyderabad, etc.

  • Insurance Coverage:

This card offers you air accidental coverage of ₹25 lakh.  

Also, this card comes with ₹50000 coverage for loss of passport, ₹1 lakh for loss of baggage, ₹25,000 coverage for delaying of baggage, and ₹25000 coverage for loss of ticket, etc. 

  • Concierge:

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.

This card also offers an auto assist facility it assists in Roadside repair, Emergency fuel service, Emergency towing assistance, Accident Management and medical assistance, etc.


  • Cash Withdrawal Charge: None. 
  • Finance Charge: 3.83% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1860-267-7777

Mail: [email protected]

100xGain Ratings:


Final Opinion:

This card offers so many benefits like big welcome benefit, big reward benefit, golf privilege, benefits on movies, lounge access, insurance coverage, concierge service, auto assist facility, etc. this card offers lots of amazing and attractive benefits.

But the biggest drawback of this card is the high joining fee, which reduces the interest for this card. Also, this card does not feature benefits on dining and fuel purchase. There are so many credit cards available out there that provide much better benefits at a low cost. For instance, if you want to use your card for shopping then you can go for RBL Shop Smart Credit Card or American Express Smart Earn Credit Card. And if you want a credit card for lifestyle relates benefits, you can go for Axis Bank Select Credit Card.    

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