Fees
Annual feeINR 5,000 + GST
Joining feeINR 10,000 + GST
Renewal feeINR 5,000 + GST
Fee waiverAnnual fee reduced to INR 5,000 from 2nd year onwards; no waiver condition published
Spend waiverNo spend-based fee waiver
Interest rate3.00% per month (36% per annum (p.a.))
Late paymentUp to INR 100-INR 1,300 (based on outstanding balance; waived for Pioneer Heritage, Pioneer Private, Indus Solitaire)
Forex markup1.5% (at preferred destinations); 3.5% (other destinations)
Cash advance2.5% of advance amount, min INR 300
Eligibility
Min income (salaried)INR 75,000 - INR 1,25,000
Min income (self-emp.)INR 12 - INR 20 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 6 Avios/INR 200 on preferred destinations (POS); 5 Avios/INR 200 on Qatar/British Airways website; 3 Avios/INR 200 online at preferred destinations
Redemption optionsAir Miles / Airline Conversion (Qatar Airways Privilege Club or British Airways Executive Club)
Points expiryNo Expiry
Travel & lounge
Domestic lounge2 visits/quarter (8/year) domestic via Priority Pass, primary cardholder
International loungeComplimentary international via Priority Pass; USD 35/visit after complimentary quota
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers10% off on Qatar Airways; additional 10% for Privilege Club members on India-origin bookings
ConciergeYes - Concierge
Forex waiver1.5% at preferred destinations; 3.5% elsewhere
Lifestyle
Dining discountsNo
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersNo
AdditionalAir accident insurance discontinued (eff. Dec 21, 2025). DCC fee: 1% + GST (premium tier, eff. Jun 15, 2026). Fuel fee: 1% + GST on cumulative fuel spends > INR 50,000/cycle (eff. Jun 15, 2026). Avios welcome offer (20,000 additional Avios bonus): paused January 8, 2026.
Credit limit & EMI
Default limitYes - No-cost Equated Monthly Instalments (EMIs) at select partner merchants
Max limitINR 5 - INR 10 lakh
Cash withdrawalINR 10 lakh - INR 20 lakh
EMI conversion6 - 24 months
Min EMI amountPost-purchase
Balance transferINR 5 - INR 8 lakh/year
BT interest rateYes
Insurance & protection
Purchase protectionYes - Zero liability if reported within 3 working days
Lost card liabilityBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (Near-Field Communication (NFC)), Automated Teller Machine (ATM) Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen Card
Digital & security
ContactlessINR 5,000+
Virtual cardYes
App featuresYes
Card controlsYes
Fraud protectionYes - via Total Protect feature
Zero liabilityReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization (RBI Mandated), OTP for Online Transactions, Zero Liability Guarantee, Instant Card Block Option
WhatsApp support1860 267 7777 (24x7); International: +91 22 4406 6666