What is the annual fee for Pioneer Heritage Credit Card?

The annual fee is ₹25,000, which is waived if you spend ₹10 lakh in a calendar year. Additionally, there's a one-time joining fee of ₹1,00,000 at card activation.

How to apply for Pioneer Heritage Credit Card?

You can apply directly through IndusInd Bank's website or visit a branch with your identity, address, income, and banking documents. Pre-approved offers may be available if you're an existing customer.

What rewards does Pioneer Heritage Credit Card offer?

The card earns 1 reward point per rupee spent. Welcome benefits include a choice between Montblanc luxury products or Qwikcilver Premium vouchers, though specific redemption values aren't detailed here.

What are the eligibility criteria for Pioneer Heritage Credit Card?

Eligibility criteria are not specified in the card details — check IndusInd Bank's official website or contact their customer service for current income, age, and credit score requirements for this super-premium card.

Does Pioneer Heritage Credit Card offer airport lounge access?

Yes, the card includes complimentary Priority Pass, which grants access to airport lounges globally. This is one of the key travel benefits for frequent international flyers.

Is Pioneer Heritage Credit Card worth it?

It suits high-spenders (₹10L+ annually) who value zero forex markup on international transactions and luxury perks. If you travel internationally and can waive the annual fee through spending, the Priority Pass and premium welcome benefits add genuine value.

Credit Cards

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Pioneer Heritage Credit Card

Global luxury travel without forex markup

Annual fee₹25,000Waived on ₹10.0L spend

Rewards1.00%1 Reward Point per ₹100

Forex markup0%No mark-up fee on your foreign currency transactions. (reduced from 1.8% to 0% w.e.f 5th Oct 2024)

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Welcome benefits

Choice of Montblanc products or Qwikcilver (Woohoo) Premium vouchers

Type: Voucher
Partner: Montblanc or Qwikcilver (Woohoo)

Rewards

Base earn rate

1 Reward point on every ₹ 100 spent on domestic transactions

Category	Rate	Cap
International	—	—

Milestone benefits

Receive 1,000 bonus Green Points* on every accumulated spend of ₹ 25,000 on Food & Beverage *Valid on accumulated Food & Beverage spends of up to ₹ 1, 00,000

Lounge access

International

Priority Pass

—complimentary visits

Fees & charges

Joining fee: ₹1,00,000
Annual / renewal fee: ₹25,000 per year
Annual fee waiver: On ₹10.0L spend
Interest rate: enjoy a rate of interest as low as 2.99% per month
Interest-free period: 50 days
Cash advance fee: 0%, min ₹0
Overlimit fee: 0%, min ₹0
Payment dishonour: ₹250
Forex markup: No mark-up fee on your foreign currency transactions. (reduced from 1.8% to 0% w.e.f 5th Oct 2024)
DCC markup: 1%
Reward redemption: ₹0 per redemption
Fuel surcharge: 1% waiver

View official MITC →

Insurance covers

Fraud liability

With an advanced insurance program that keeps your precious card safe and secure, you have nothing to worry about when whipping out your card for shopping, dining, travel, and more! TOTAL PROTECT: You don't have to fret over your Card being misused as Pioneer Heritage Credit Card comes equipped with Total Protect. It's a first-of its-kind program that covers you for a sum up to the credit limit on your Credit Card and is available on add-on cards as well. Total Protect covers you for the following: Unauthorised Transactions in case of loss/ theft of Card - We provide an insurance cover up to 48 hours prior to you reporting the loss of your Card to IndusInd Bank; Counterfeit Fraud - It is possible that your Card or Card details are stolen and used unscrupulously by producing counterfeit plastic. We offer you insurance to protect yourself against such incidents.

Features

✓ Contactless✓ Chip & PIN✓ International usage✓ Concierge service

Additional features

Total Protect insurance program
Contactless payments
Cash withdrawal in India or anywhere in the world
Shopping at 10 lakh merchant outlets in India and over 30 million outlets worldwide