IndusInd Bank PIONEER Private Credit Card

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The IndusInd Bank PIONEER Private Credit Card is made for people who live a luxurious lifestyle and spend a lot, both in India and abroad. It gives unlimited access to airport lounges around the world, along with benefits like fine dining, golf offers, and airport services such as Meet & Greet and airport transfers. You can earn 3% rewards on most purchases and 0.7 points per ₹100 on payments like utility bills and insurance. Like other premium cards, fuel expenses don’t earn rewards. The card also helps you save with zero foreign transaction fees, no charges on cash withdrawals, and a low interest rate of 2% per month.

This card is a great fit for people who want special treatment and value premium services. It’s one of the top cards in India and can compete with other luxury cards like Reserve, Olympus, and Marquee. More than just a credit card, it’s a sign of your success and lifestyle. If you want exclusive benefits and enjoy spending on travel, dining, and luxury, this card is built for you.

Credit Card Detail
IndusInd Bank PIONEER Private Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 25000.00 +GST
Best Suited For
Shopping | Movies | Dining
Reward Type
Reward Points
Welcome Benefits
If you spend ₹1 lakh within the first 30 days of getting the card, you’ll receive 6,000 bonus reward points.
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Rewards Rate
You’ll earn 3 reward points on most regular purchases and 0.7 points per ₹100 spent on specific categories like utility bills, education fees, and government payments.
Reward Redemption
You can use your reward points on Indus Moments to get cash credit, air miles, or gift vouchers at a 1:1 value.
Movie & Dining
Buy one movie ticket and get the second one free. You can save up to ₹300 on each booking. This offer is available every day.
Travel
You won’t be charged any extra fees when you use the card for international transactions.
Golf
Enjoy unlimited golf lessons and games at selected courses across India.
Domestic Lounge Access
Enjoy unlimited access to airport lounges across India, making your travel more comfortable and relaxing every time you fly.
International Lounge Access
Primary and add-on cardholders get unlimited access to international airport lounges, plus 12 free guest visits at lounges outside India.
Insurance Benefits
This card provides overseas medical insurance coverage of up to USD 25,000, along with protection for air accidents and comprehensive total protection benefits.
Interest Rates
2% per month, which adds up to 24% per year.
Spend-Based Waiver
Get your annual fee waived if you spend ₹10 lakh or more in a year.
Rewards Redemption Fee
N/A
Cash Advance Charges
Nil
Foreign Currency Markup
0.00% +GST
Fuel Surcharge
No fuel surcharge charged at any petrol station in India.
Card Details
  • The IndusInd Pioneer Private Credit Card is a luxury card with many benefits.
  • Get Buy One Get One Free on movie and non-movie tickets.
  • Enjoy unlimited access to domestic and international airport lounges for you and add-on cardholders, plus 12 guest visits abroad.
  • Receive unlimited golf lessons and games in India and 4 free international golf games yearly.
  • Get free memberships like Taj Epicure Preferred or Club ITC Culinaire Select and EazyDiner with ₹3,000 dining vouchers every six months.
  • Complimentary hotel vouchers and airport Meet & Greet and Pick & Drop services at airports in India and abroad.
  • No foreign currency markup fees (0% forex charges).
  • Earn up to 3 reward points for every ₹100 spent.
  • Get 2 free movie tickets every month and 3 free non-movie tickets every quarter.
  • Earn 6,000 bonus reward points by spending ₹1 lakh in the first 30 days.
  • Receive a Taj Epicure Gift Certificate worth ₹1 lakh on spending ₹75 lakhs in an anniversary year.
  • Includes overseas health and travel insurance, air accident cover, and golf insurance.
  • Special services for elderly care, wellness, entertainment, and dining experiences.
  • Fuel surcharge waived at all petrol pumps in India.
Pros/Cons
Pros
- This card has no foreign currency fees, so travelers can use it abroad without paying extra charges. This makes it a great choice for anyone who shops or spends money internationally.
Cons
- One downside of this credit card is that it doesn’t give any reward points on fuel purchases, despite having many other benefits.
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Frequently Asked Questions

Is the IndusInd Pioneer Private credit card free for life?

No, there is no joining fee, but you have to pay ₹25,000 every year. If you lose the Pioneer Private status, the annual fee goes up to ₹50,000.

How can I redeem the reward points I earn?

You can use your reward points for things like vouchers, air miles, paying your credit card bill, cashback on future purchases, and more.

Do my reward points ever expire?

No, your reward points stay valid as long as your credit card account is active.

Can I do contactless payments with the Pioneer Private Credit Card?

Yes, the card supports contactless payments for quick and safe purchases.

How many reward points do I earn on my spends?

You earn 3 reward points for every ₹100 you spend, except on some categories like fuel, utilities, insurance, education, telecom, and government services.

What is the interest-free period on this credit card?

You get 50 days of interest-free credit if you pay your bill on time.

Does this card charge fees for foreign transactions?

No, there is no foreign currency markup fee on this card.

Are free golf lessons available for add-on cardholders?

No, only the main cardholder can get free golf lessons, and they must spend ₹50,000 in the previous statement cycle to qualify.

What happens if I don’t pay my full bill by the due date?

Interest charges will apply on the remaining amount. You can check the full list of fees and charges on the bank’s website.

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