What is the annual fee for IndusInd Bank Pioneer Legacy Credit Card?

This card has zero annual fee, making it cost-effective to retain after the initial ₹50,000 joining fee. The joining fee is a one-time charge at card issuance.

How to apply for IndusInd Bank Pioneer Legacy Credit Card?

You can apply directly through IndusInd Bank's website or mobile app, or visit any IndusInd Bank branch. Ensure you meet the eligibility criteria and have valid KYC documents ready for submission.

What rewards does IndusInd Bank Pioneer Legacy Credit Card offer?

The card earns 1% reward points on all spends. Welcome benefits include your choice of Montblanc products, The Postcard Hotel voucher, or Qwikcilver (Woohoo) Premium vouchers, providing immediate value.

What are the eligibility criteria for IndusInd Bank Pioneer Legacy 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 requirements, credit score, and other qualification standards.

Does IndusInd Bank Pioneer Legacy Credit Card offer airport lounge access?

Yes, cardholders get 4 domestic lounge visits per year. The card also includes Priority Pass membership for additional lounge access globally, enhancing travel convenience.

Is IndusInd Bank Pioneer Legacy Credit Card worth it?

This card suits frequent domestic travelers who value lounge access and can leverage the welcome gifts to offset the ₹50,000 joining fee. The zero annual fee retention cost makes it worthwhile if you use its travel benefits regularly.

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IndusInd Bank Pioneer Legacy Credit Card

Premium travel credentials without the annual commitment

Annual fee₹0

Rewards1.00%1 Reward Point per ₹100

Forex markup1.8%Discounted foreign currency mark-up will be applicable at 1.8% on your foreign currency transactions.( Not applicable for complimentary Pioneer Legacy Credit card)

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Welcome benefits

Choice of welcome gifts: Montblanc products, The Postcard Hotel voucher, or Qwikcilver (Woohoo) Premium vouchers

Type: Voucher
Partner: Montblanc / The Postcard Hotel / Qwikcilver

Rewards

Base earn rate

For weekday spends: ₹ 100 spent = 1 reward point. For weekend spends: ₹ 100 spent = 2 reward points

Excludes: Fuel

Category	Rate	Cap
Weekend Spends	—	—

• Redemption fee: ₹100

Milestone benefits

A special bonus offer awaits you. Earn 4,000 bonus reward points on spends of ₹ 5,00,000* or above within one year from the date of credit card issue.

Lounge access

Domestic

4visits / year

Max 1 per quarter

International

Priority Pass

2complimentary visits

Membership value USD 198

Fees & charges

Joining fee: ₹50,000
Annual / renewal fee: ₹0
Interest rate: 3.83% per month (46% p.a.)
Interest-free period: 50 days
Cash advance fee: 0%, min ₹0
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹250
Forex markup: Discounted foreign currency mark-up will be applicable at 1.8% on your foreign currency transactions.( Not applicable for complimentary Pioneer Legacy Credit card)
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver

View official MITC →

Insurance covers

Fraud liability

Are you afraid of your card falling into the wrong hands? Relax! Fraudulent use of your card is not a threat anymore. 'Total Protect' is a first-of-its-kind program that covers you for an amount equal to the credit limit on your card and is available on add-on cards as well. So you have no reason to worry about fraudulent transactions on your card. 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 remotely possible for your card or card details to be stolen and used to produce counterfeit cards. We offer you insurance to protect yourself against such incidents.

Travel insurance

₹1L

Baggage loss

₹1L

Features

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

Additional features

Auto Assist: Roadside assistance services including roadside repair, emergency fuel supply, flat tyre service, lost keys assistance, battery service, emergency towing, and accident management
Pre-trip Assistance
Hotel Reservation
Flight Booking
Sports and Entertainment Booking
Exclusive Booking
Flowers and Gift delivery worldwide

No rewards on

Fuel