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The IndusInd Bank PIONEER Private Credit Card is an exciting, luxurious offering tailored for high-net-worth individuals. This card is perfect for those seeking premium access to memberships, international and domestic lounge access, golf privileges, and fine dining experiences. It offers a high reward rate of 3% on all eligible purchases and 0.7 Reward Points/₹100 spent on select categories like utilities and insurance. Like many other premium and super-premium credit cards, fuel purchases are not eligible for rewards even with this card. Although there are many privileges that only a few offer, like zero Forex fees, no cash advance charges, and a low interest rate of 2% (monthly), which further boosts the cardholder’s savings.

Those with Pioneer Private would enjoy unlimited domestic and international lounge access worldwide, along with premium airport services such as Meet & Greet and transfers, which are not typically offered by cards presently. This card is a must-have for high-net-worth individuals who spend large amounts of money domestically and internationally. This ultimate offering by IndusInd Bank can easily compete with other top-tier cards like Reserve, Olympus, and Marquee.

IndusInd Bank Pioneer Private Credit Card
(4.7/5)

Joining Fee

Nil

Renewal Fee

₹25,000 + GST

Best Suited For

Shopping |

Reward Type

Reward Points |

Welcome Benefits

6,000 Reward Points (On Spends of ₹1 Lakh)

Movie & Dining

2 Free Movie Tickets Each Month. Upto ₹6,000 Discount on Dining Each Year With EazyDiner

Rewards Rate

3 RPs for All Eligible Spends and 0.7 RPs on Select Categories (Utilities, Education, Government Transactions)

Reward Redemption

Redeem Points at Indus Moments. You Can Redeem at a 1:1 Ratio for Cash Credit, Airmiles, and Gift Vouchers

Travel

0% Forex Fees

Domestic Lounge Access

Unlimited Domestic Airport Lounge Access

International Lounge Access

Unlimited International Airport Lounge Access (Through Priority Pass)

Golf

Unlimited Domestic Golf Lessons and Games

Insurance Benefits

Overseas Medical Insurance of USD 25,000, Air Accident Cover and Total Protect

Spend-Based Waiver

Annual Fee Waiver on Spends of ₹10 Lakh or More in a Year

Rewards Redemption Fee

N/A

Rewards Redemption Fee

N/A

Foreign Currency Markup

Zero Forex Charges

Interest Rates

2% Monthly (24% Annually)

Fuel Surcharge

1% Fuel Surcharge Waived on Transactions Between ₹500 and ₹10,000

Cash Advance Charges

Nil

  • The IndusInd Pioneer Private Credit Card is one of the most luxurious offerings by the bank.
  • One can avail of Buy One Get One Free on movie and non-movie ticket bookings.
  • One of the exclusive features of this card is the unlimited complimentary domestic and international airport lounge access.
  • Cardholders shall also be eligible for unlimited golf lessons across India.

Pros

There are no Forex markup charges associated with this card, which is very useful as international travelers can easily make purchases abroad without incurring extra charges.

Cons

Although this credit card has numerous benefits, it does not offer any reward points for fuel.

First-Year Free Credit Card

The IndusInd Pioneer Card can be availed without paying any joining or activation charge. From the second year onwards, one would have to pay ₹25,000 + GST (₹29,500) as an annual fee. This fee can be waived by spending ₹10 lakh or more in a card anniversary year. Although the annual fees are high, the rewards offered with this card would make them worth it.

In case a customer is downgraded from Pioneer Private status, an annual fee of ₹50,000 + GST is applicable.

Welcome Bonus

You can earn 6,000 bonus reward points on spending ₹1 lakh within the first 30 days of card issuance. These bonus reward points will be credited within 90 days of achieving the spend. These bonus points are valid only for first-year activation.

6,000 Reward Points = ₹6,000

Reward Points

Reward points earned on transactions are one of the most important aspects of any credit card. The IndusInd Pioneer Private offers many benefits, including a high reward rate. One can earn 3 Reward Points/₹100 spent on all eligible transactions. While this card offers a high reward rate of 3% on most transactions, select transactions shall earn 0.7 Reward Points/₹100 spent. These include Transportation & Tolls, Utilities, Insurance, Educational Institutions, Telecommunications, Security Brokers, Cleaning and Maintenance, Janitorial Services, and Government Institutions.

No reward points shall be awarded for fuel with this card. 

Redemption

Maximizing the value of our reward points is crucial. The Pioneer Private Card offers a 1:1 conversion ratio for partner airlines, cash redemptions, and gift vouchers.

Category  Conversion Ratio
Airmiles 1 Reward Point = 1 Airmile 1:1
Gift Vouchers 1 Reward Point = ₹1 1:1
Cash Credit 1 Reward Point = ₹1 1:1

IndusInd Pioneer Private Infograph

Buy One Get One With BookMyShow

Customers are entitled to receive two complimentary BookMyShow movie tickets each month and three complimentary BookmyShow non-movie tickets every quarter. If a movie ticket costs ₹1,000, and the customer is booking two tickets, then they shall receive a discount of ₹2,000 on the entire ticket; there is no capping on the booking amount.

Each complimentary non-movie ticket is limited to a maximum of ₹1000 towards the booking amount. The cardmember must pay the remaining amount using the IndusInd Bank Pioneer Private Credit Card. Those who fully utilize this benefit can get free non-movie tickets worth ₹12,000 in a year with the Pioneer Private Credit Card. 

Milestone Benefits

Cardholders who spend ₹75 lakh in a membership year will receive Taj experience vouchers worth ₹1 lakh. These vouchers will be sent within 90 days of the end of the membership year. These vouchers can be used for settling bills for stay, food and beverages, or any other services at the IHCL group of hotels by presenting either the physical gift card or the email containing E-Gift Card details. They can also be used to pay for corresponding taxes. However, gift cards cannot be used to pay for gratuities, paid-outs, and Travel House charges.

Airport Benefits

The Pioneer Private Credit Card offers phenomenal all round benefits including airport privileges and services. Whether it’s complimentary lounge access, meet and greet or even airport transfers.

Unlimited International Airport Lounge Visits With Priority Pass

IndusInd Pioneer Private Credit Card offers unlimited international lounge access worldwide at 1,300+ airports for primary and add-on cardholders. Priority Pass provided along with this card also offers 12 complimentary guest visits. To access international lounges, cardholders must present their Priority Pass at the lounge. If both primary and add-on cardholders are visiting the lounge together, then both shall need to display their passes.

Keep in mind that Priority Pass usage in India shall be chargeable.

Unlimited Domestic Airport Lounge Access

This card offers unlimited domestic airport lounge access, which allows access to over 50+ airports across India.

Airport Meet and Greet

Airport meet-and-greet services can greatly lighten our burden and allow us to travel comfortably right from the airport. Pioneer Private offers its cardholders two complimentary airport meet-and-greets each year, which include benefits like fast-track security, priority check-in, faster immigration, and buggy transport.

Airport Pick and Drop

Two complimentary annual domestic and international airport pick-and-drop services are offered along with this card. This includes-

  • Luxury Airport Transfer
  • Pick from Hotel/Home (Destination)
  • Drop at the Airport

Pioneer Private Complimentary Memberships

The IndusInd Pioneer Card offers complimentary access to exclusive and luxurious memberships like EazyDiner Prime, and Taj Epicure Preferred/ITC Culinaire.

EazyDiner Prime

This card also offers complimentary membership to EazyDiner Prime. With this you shall get a guaranteed 25% discount and up to 50% off at over 2000 top restaurants in India. Enjoy exclusive 1+1 deals on buffets at hotels. Earn 2X (double) EazyPoints every time you dine out, redeemable for free meals, complimentary 5-star hotel stays, and access to exclusive foodie events. Plus, the EazyDiner Prime membership also offers a joining bonus of 2000 EazyPoints.

Complimentary Postcard Hotel Vouchers

As an IndusInd Bank Pioneer Private Credit Cardholder, the card member receives two complimentary hotel vouchers every year. This program provides benefits such as two complimentary nights’ stay for two persons, including breakfast.

Cardholders can choose between the luxurious Taj Epicure Preferred or receive privileges with the complimentary Club ITC Culinaire Select Membership. Only one can be availed out of these two with the Pioneer Private Credit Card. 

Taj Epicure Preferred

IndusInd PIONEER Private Credit Cardholders shall get a complimentary Taj Epicure Preferred program membership. The Taj Epicure Preferred Membership is complimentary for the initial first year only. To receive a second-year complimentary membership, a customer must spend ₹50 Lakhs in the previous year. This is only valid for primary cardholders and offers the following benefits.

  • 1 voucher for a 1-night stay with breakfast for 2 persons
  • 2 vouchers for a one-level room upgrade for one night when reserved directly at the Best Available Rate
  • 2 vouchers for meals at the All Day Dining Restaurant for 2 persons
  • 1 complimentary 60-minute spa treatment and access to sauna and steam for one person
  • 25% discount on food & beverage (dine-in & takeaway) at participating restaurants for up to 10 persons
  • 20% discount on food & beverages at banquets for up to 30 persons
  • 20% discount on Qmin for food deliveries via the Qmin mobile application
  • 20% discount on spa treatments at Jiva Spas across participating hotels

One Time Vouchers

  • When booking directly, you can receive 20% off the best available rate for room/suite stays at Taj Palaces for up to five consecutive nights once a year.
  • 20% off the best available rate for room/suite stays at Taj Safaris when booking directly for stays lasting up to five consecutive nights once a year.
  • 20% off the best available rate for room/suite stays when booking directly for unlimited consecutive nights.
  • 20% off the best available rate for rooms/suites for unlimited consecutive nights, a one-time discount.
  • A celebration cake will be served during the member’s birthday month upon dining at participating restaurants across hotels on any day during the birthday month.
  • Exclusive access to the pool with a set lunch and wine at a special price for a one-time visit for up to four persons at ₹3,000 plus taxes and other applicable charges per person.

Club ITC Culinaire Select

  • Night Stay: Receive one voucher for a 1-night stay with breakfast for 2 persons.
  • Room Upgrade: 2 vouchers for a one-level room upgrade for one night booked directly at the Best Available Rate.
  • Luxury Getaways: Two e-certificates for 20% savings on the purchase of Welcombreak packages.
  • Culinary Delights: One e-certificate for 50% savings on the Food & Beverage bill for a maximum of 4 guests.
  • Culinary Extravaganza: Two e-certificates for 25% savings at all-day dining restaurants for a maximum of 4 guests.
  • Gourmet Delight: One e-certificate for 30% savings on purchases at the gourmet shop.
  • Sweet Indulgence: One e-certificate for a 1 Kg cake while dining.
  • Earn Green Points: Earn points at a rate of 25% on all eligible Food & Beverage spends at participating ITC Hotels & Welcomhotels.
  • Dining Savings: Enjoy 20% savings on meals at participating Fortune and Welcome Heritage Hotels (valid for up to 8 guests, including the member).
  • Point Rewards: Receive 1,000 Green Points for every accumulated spend of ₹25,000 on Food & Beverage.
  • Happy Hour: Enjoy a 2-for-1 offer at select bars between 6:00pm & 8:00pm, every Wednesday (applicable on select beverages).
  • Bonus Points: Earn 50% extra Green Points (37.5% earnings) on dining spends at select restaurants at ITC Luxury Collection Hotel & Sheraton New Delhi on Fridays (not applicable at Bukhara – ITC Maurya, Peshawari – ITC Rajputana, and Jharokha – ITC Rajputana).
  • Birthday Bonus: Receive 50% bonus Green Points during your and your spouse’s birthday week (for example – three days prior & three days later to the birth date) on your dining spends (37.5% earnings) or stay (7.5% earnings) at all ITC Luxury collection hotel & Sheraton New Delhi.

Golfing Benefits With PIONEER Private

Enjoy unlimited golf games and lessons across India with this luxurious credit card. While most cards only offer complimentary domestic golf lessons, PIONEER Private goes one step ahead and even offers four international golf games in a year.

All complimentary benefits of the Golf Program are subject to a minimum spend of ₹50,000 in the last statement generated as per the credit card billing cycle. Those who wish to book their golfing experience can do so by filling in their details on the IndusInd Bank Golf program.

Dining Discounts

This offer is only applicable to primary cardmembers of IndusInd Bank Pioneer Private. As an eligible card member of the IndusInd Pioneer Private credit card, you are eligible for ₹3,000 off on your total bill amount twice a year. This means that you can get dining discounts of up to ₹6,000 in a year at 100+ exclusive restaurants through the EazyDiner app.

Insurance Benefits

  • Overseas health insurance coverage up to USD 25,000.
  • Air accident cover.
  • International travel insurance covers loss of checked baggage, loss of passport, loss of ticket, missed flight connection, etc.
  • Lost card liability covers lost cards, counterfeiting, skimming, phishing, and online fraud protection.
  • Credit shield is applicable in case of the cardholder’s death due to an air accident.
  • Hole-in-one insurance (Golf) – Complimentary coverage for up to ₹20,000.

Pioneer Private Credit Card Review

This card is packed with benefits from top to bottom, making it sure to turn people’s attention. Whether it’s travel, food, earning rewards, or staying, this card benefits everyone. While this card has a lot to offer, it’s also best to keep in mind that only those with a high net worth shall be able to get the most out of this card. For example, only those who frequently travel abroad can fully benefit from unlimited international lounge access or zero forex charges. This is a premium card best for those who have high spends on travel, stays/hotels and shopping.

Those who can maintain a Pioneer Private relationship with IndusInd Bank should definitely consider opting for it.

FAQs:

The IndusInd Pioneer Private credit card has no joining fee, but there is an annual charge of ₹25,000. Customers who lose the Pioneer Private Status will be charged ₹50,000 annually for this card.
Cardholders shall be awarded 3 Reward Points/₹100 spent on all spends except those in the special exempted categories like Transportation & Tolls, Utilities, Insurance, Educational Institutions, Telecommunications, Security Brokers, Cleaning and Maintenance, Janitorial Services, and Government Institutions.
Cardholders shall be eligible for an interest-free credit period of 50 days.
Yes, the IndusInd Pioneer Private has a zero forex markup charge. This means that when making international transactions, you will not have to pay any additional charges.
All reward points earned with this card will remain valid and active until your credit card account is live. So, as long as your credit card account remains active, you will not have to worry about reward point expiry.
No, only primary Pioneer Private Credit Cardholders are eligible for free golf lessons and games. To be eligible for this benefit, primary cardholders would need to spend ₹50,000 on the previously generated statement.

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