IndusInd Bank Pioneer Legacy Credit Card

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The IndusInd Bank Pioneer Legacy Credit Card is a premium credit card that comes in two types – a paid version and a lifetime free version. The paid card has a one-time joining fee of ₹50,000 and offers extra benefits like welcome gift vouchers from Oberoi and Luxe, free access to both domestic and international airport lounges, and complimentary golf games and lessons at selected courses in India. The free version also includes great features like a rewards program and 1+1 movie ticket offers through BookMyShow. You earn 2 reward points for every ₹100 spent on weekends and 1 point for every ₹100 on weekdays. These points can be used for statement credit, KrisFlyer Miles, or redeemed at the Indus Moments rewards portal.

This card is a good option for people who spend on lifestyle, travel, and entertainment. If you get the lower-fee version, a ₹5,000 joining fee is charged only if you don’t spend ₹50,000 in the first 90 days. After the first year, there’s no yearly fee. You can earn points on most purchases, except fuel. With features like airport lounge access, golf benefits, and movie discounts, the IndusInd Bank Pioneer Legacy Credit Card gives a mix of value and luxury for everyday and premium users.

Credit Card Detail
IndusInd Bank Pioneer Legacy Credit Card
Joining Fee
Rs. 50000.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping | Travel | Movies
Reward Type
Reward Points
Welcome Benefits
Enjoy a luxury stay by choosing from various Oberoi Hotels. You’ll also receive a Luxe gift card that lets you shop from top premium brands available at 360 stores in 30 cities across India.
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Rewards Rate
Earn 2 reward points for every ₹100 you spend on weekends and 1 point for every ₹100 spent on weekdays.
Reward Redemption
You can redeem 1 reward point as ₹1 when using it for cash credit on your statement.
Movie & Dining
Buy one movie ticket and get one free, up to 3 free tickets each month. Plus, enjoy an extra ₹50 off when you choose the food and drinks (F&B) option.
Travel
Free access to both domestic and international airport lounges, along with various travel insurance benefits.
Golf
Get 4 free golf games every month when you spend ₹25,000 or more in the previous billing cycle.
Domestic Lounge Access
You get 1 free access to a domestic airport lounge every quarter with this card, which means you can relax in a lounge once every three months at no extra cost.
International Lounge Access
You get 2 free visits to international airport lounges every three months through Priority Pass.
Insurance Benefits
You get free air accident insurance coverage of up to ₹25 lakhs.
Interest Rates
3.83% per month or 46% per annum
Spend-Based Waiver
N/A
Rewards Redemption Fee
Rs. 99 plus taxes
Cash Advance Charges
Nil
Foreign Currency Markup
1.80% +GST
Fuel Surcharge
No 1% surcharge on fuel purchases between ₹400 and ₹4,000.
Card Details
  • Earn 2 Reward Points for every ₹100 spent on weekends and 1 Reward Point for every ₹100 spent on weekdays
  • Get 4,000 bonus reward points annually upon reaching the spending milestone
  • Enjoy Buy 1 Get 1 free offer on movie tickets booked via BookMyShow
  • Receive complimentary access to domestic and international airport lounges
  • Benefit from 1% surcharge waiver on fuel purchases
  • Enjoy complimentary golf games at selected golf courses
  • Pay a low foreign currency markup fee of 1.8% on international transactions
  • No fees charged on cash advances
  • Access 24×7 concierge services for travel, dining, and other assistance
  • Get Oberoi hotel e-gift voucher and Luxe Gift card worth ₹5,000 as a welcome gift
  • Covered by air accident insurance worth ₹25 lakhs along with multiple travel insurances
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Frequently Asked Questions

What fees do I have to pay for this credit card?

There is no annual fee for this card. However, you need to pay a one-time joining fee of ₹50,000 in the first year.

Can I use my reward points for flight bookings or other things?

Yes, you can redeem your reward points to book flight tickets on Air Vistara. You can also use them on the IndusMoments website to get different products.

Do I get any fee waiver on fuel purchases?

Yes, you get a 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.

Can I use airport lounges with this card?

Yes, the card gives you free access to both domestic and international airport lounges.

Is there any fee when I withdraw cash using this card?

No, cash advances (withdrawing cash using this card) come with no extra fees.

How much do I earn in rewards when I redeem for cash credit?

Each reward point is equal to ₹1 when redeemed against your credit card statement.

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