By Shubham Sharma
Updated On September 24, 2021

IndusInd Pioneer Heritage credit card is one of the few Mastercard world elite cards in India, which is offered to their elite customers. The card comes in two variants Pioneer Heritage credit card and Pioneer Heritage Metal credit card. Pioneer Heritage Metal variant is the first metal card issued by IndusInd Bank and comes with more premium benefits. The card provides you with welcome gift vouchers from the Oberoi hotels and a Luxe Gift card. You get exclusive benefits on this credit card across a wide range of categories, including entertainment, dining, traveling, and shopping. With the metal card, you get unlimited lounge access in India and worldwide and with another one you get 8 complimentary domestic & international lounge access every year.

Moreover, this card provides you with 1+1 movie ticket bookings and a 20% discount on no-movie bookings with BookMyShow. You get exclusive offers and special discounts on dining on this credit card. Other than all these exclusive benefits, the card comes with a great reward program providing 2.5x reward points on international transactions. Read below to know more in detail about this credit card.

Best Suited For

Movies | Travel |

Joining Fee

Rs. 90,000 + GST

Reward Type

Reward Points |

Product Details

  • Oberoi e-gift voucher and a Luxe Gift card as a welcome gift.
  • 2.5 Reward Points on every Rs 100 spent on international transactions.
  • 1 Reward Point on every Rs 100 spent on domestic transactions.
  • Buy 1 Get 1 offer on movie ticket bookings with BookMyShow
  • Get Up to Rs. 3,000 off on your Dining Spends
  • Privileges with Club ITC Culinary Program
  • Complimentary Domestic and International lounge access
  • Discounted Markup fee of 1.8% on the conversion amount.
  • Complimentary air accident protection cover worth upto Rs 2.5 crores.

Rewards and Benefits

Welcome Benefits

Oberoi e-gift voucher and a Luxe Gift card.

Movie & Dining

Up to 3 complimentary tickets every month on Pioneer Heritage credit card and 4 Complimentary tickets every calendar quarter on Pioneer Heritage Metal credit card. Also, you get 20% off on your non-movie bookings.

Rewards Rate

2.5 Reward Points on every Rs 100 spent on international transactions and 1 Reward Points on every Rs 100 spent on domestic transactions.

Reward Redemption

1 RP = Rs 1 redeemed against a host of redemption options such as the Indus Moments reward portal, AirMiles, and against statement cash

Travel

Complimentary Domestic and International lounge access, complimentary LoungeKey membership and get a complimentary third-night stay at Oberoi Hotels and Resorts.

Golf

12 complimentary rounds of green fees & 12 complimentary golf lessons every year. Also, you get 4 complimentary green fees rounds for guests.

Domestic Lounge Access

Unlimited (with Pioneer Heritage Metal credit card) and 2 per quarter (with Pioneer Heritage credit card)

International Lounge Access

Unlimited (with Pioneer Heritage Metal credit card) and 2 per quarter using LoungeKey membership (with Pioneer heritage Credit Card).

Insurance Benefits

Complimentary air accident protection cover worth upto Rs 2.5 crore on this credit card

Zero Liability Protection

A protection liability cover in case of any fraudulent transactions reported within 48 hours

Fees & Charges

Joining Fee

Rs. 90,000 + GST

Renewal Fee

Rs. 25,000 + GST

Spend based Waiver

Spend-based waiver on annual fee on spending Rs 10,00,000 or above in the previous year

Rewards Redemption Fee

Rs. 100 per redemption request

Rewards Redemption Fee

Rs. 100 per redemption request

Foreign Currency Markup

Discounted fee of 1.8% is charged on the conversion amount

Interest Rates

2.99% per month (35.88% per annum)

Fuel Surcharge

1% fuel surcharge waiver on transactions between Rs 400 to Rs 4000

Cash Advance Charge

Nil

Add-on Card Fee

Nil

Welcome Benefits

  • As a welcome gift, you are provided with Oberoi e-gift voucher. The voucher is valid for 6 months from the date of issuance. You can redeem upto 2 gift vouchers against a single stay reservation.
  • Moreover, you also get premium access to 30+ luxury brands with Luxe gift vouchers worth Rs 5,000. The voucher is valid for 6 months from the date of issuance You are allowed multiple redemptions upto the cash limit of the voucher.

IndusInd Bank Pioneer Heritage Credit Card Rewards

With your IndusInd Bank Pioneer Heritage credit card, you get reward points on your domestic as well as international spendings as follows:

  • 2.5 Reward Points on every Rs. 100 spent on international transactions
  • 1 Reward Points on every Rs. 100 spent on domestic transactions.

How to Redeem Reward Points

The reward points accumulated can be redeemed against a host of redemption options such as the Indus Moments reward portal, AirMiles, and against statement cash.

Redemption Methods AirMiles
100 RP = 100 Intermiles
Cash Credit
1 RP = ₹ 1 Cash Value
Indus Moments
You can redeem your Reward Point Accumulated at Indus Moments Reward Portal for special gifts/vouchers

You can redeem a minimum of 500 reward points against Cash Credit and AirMiles. Only up to 30,000 reward points can be redeemed per statement cycle.

Get Up to Rs. 3,000 off on your Dining Spends

Pioneer Heritage program provides you with upto Rs 3,000 off on your total bill amount in a year with exclusive partner restaurants.

  • To avail of this benefit visit www.indusmoments.com for bookings
  • Maximum discount subject Rs 3000 on your Pioneer Heritage card
  • The offer is not valid on home deliveries.

BOGO on Movie Booking with BookMyShow

  • With Pioneer Heritage credit card, you get a buy 1 get 1 offer on movie ticket bookings on BookMyShow. You can get up to 3 complimentary tickets every month with the maximum price capped at Rs 700 per ticket.
  • With a Pioneer Heritage Metal credit card,  you get 4 complimentary tickets every quarter. The price of complimentary tickets is capped at Rs. 1,000 per ticket.
  • You get upto 20% off on your non-movie bookings subject to a maximum discount of Rs 350 for every 2 tickets purchased.

Privileges with Club ITC Culinary Program

IndusInd Pioneer Heritage credit card provides you with exclusive privileges on dining with Club ITC Culinary Program.

  • You get green points upto 25% on all dining spends at select ITC Hotels & Welcomhotels
  • Get green points upto 5% on non-dining spending with a select  ITC Hotels, Welcomhotels & Fortune Hotels
  • You can save upto 20% on dining spends at select Fortune Hotels.

 Travel Benefits

  • You get unlimited Domestic as well as International lounge access with a Pioneer Heritage Metal credit card.
  • You get 8 complimentary domestic lounge access every year (2 per quarter) at select airports with your Pioneer Heritage credit card.
  • With complimentary LoungeKey membership, you get access to 8 international lounges every year (2 per quarter) with the Pioneer Heritage credit card.

Golf Benefits

  • The primary cardholders get 12 complimentary rounds(3 per quarter) at selected golf courses every year.
  • Furthermore, you get 4 complimentary golf access for guests subject to 1 complimentary access every calendar quarter.
  • You also get 12 complimentary golf lessons a select golf courses subject to a maximum of  3 golf lessons every calendar quarter.

Insurance benefits

  • You get a complimentary air accident protection cover worth upto Rs 2.5 crore on this credit card
  • A protection liability cover in case of any fraudulent transactions reported within 48 hours.

Low Foreign Currency Markup Fee

This card comes with a relatively low foreign markup fee of 1.8%. You are charged 3.5% on the foreign conversion and the differential amount will be credited to your credit card account.

Spend-Based Annual Fee Waiver

You get a spend-based waiver on annual fee on the spending of Rs. 10,00,000 or above in the previous year.

Fuel Surcharge Waiver

1% surcharge waiver on all fuel transactions between Rs 400 and Rs 4000 across all petrol pumps in India.

Conclusion

IndusInd Pioneer Heritage credit card is a top-tier card for premium customers providing best-in-class features and privileges on your spendings. The sleek metal design looks fairly attractive on this credit card. Besides that, you earn 2.5 reward points on every Rs. 100 spent on international spending and 1 reward point on your Rs 100 spent. The card provides you with multiple redemption options against cash credit, AirMiles, and IndusMoments. Like most IndusInd credit cards, this credit card offers you a significant cash credit ratio on redemption against statement cash. The joining fee charged may seem to be quite high on this credit card. However, you also get provided with a spend-based waiver on an annual fee on the spending of Rs 10,00,000. What do you think about this credit card? Do let us know in the comments.

FAQs:

A maximum of  30,000 reward points can be accumulated per statement cycle

You get charged 3.5% on the conversion amount discounted at 1.8%, whereby the differential amount gets credited to your respective credit card account.

A minimum of 500 reward points can be redeemed

Yes, you do get unlimited lounge access with a Pioneer Heritage Metal credit card.

You get charged with an interest rate of 2.99% per month

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