Fees
Annual feeNil (Lifetime Free)
Joining feeNil
Renewal feeNil (Lifetime Free)
Fee waiverLifetime Free - no annual fee applicable
Spend waiverLifetime Free
Interest rate3.95% per month (47.40% 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 markup3.50%
Cash advance2.5% of advance amount, min INR 300
Eligibility
Min income (salaried)INR 20,000 - INR 35,000
Min income (self-emp.)INR 2.5 - INR 4 lakh/year
Credit score650 - 700 (CIBIL score)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateNo
Redemption optionsCashback (direct), Gift Vouchers, Merchandise
Points expiryNo Expiry
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo spend condition (see issuer for current terms)
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsNo
Fuel surchargeYes - 1% waiver
OTT subscriptionsNo
E-commerce offersYes - via IndusInd Bank offers portal (Amazon, Flipkart, etc.)
AdditionalAir accident insurance discontinued (eff. Dec 21, 2025). DCC fee: 2% + GST (standard tier, eff. Jun 15, 2026). Fuel fee: 1% + GST on cumulative fuel spends > INR 30,000/cycle (eff. Jun 15, 2026).
Credit limit & EMI
Default limitINR 10,000 - INR 25,000
Max limitINR 25,000 - INR 75,000
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rateAs per bank's prevailing BT offer (typically 0%-1% per month for promo period)
Insurance & protection
Purchase protectionYes - via Total Protect feature
Lost card liabilityYes - Zero liability if reported within 3 working days
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Download Credit Card Statement, Raise Service Requests, Block Lost/Stolen Card
Card controlsBlock/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
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization (RBI Mandated), OTP for Online Transactions, Zero Liability Guarantee, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days; limited if within 4-7 days
WhatsApp supportYes