Fees
Annual feeINR 10,000 + GST
Joining feeINR 75,000 + GST
Renewal feeINR 10,000 + GST
Fee waiverSpend INR 10 Lakh+ in last anniversary year
Spend waiverNo spend-based fee waiver
Interest rate1.79% per month (21.48% 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 markup1.80%
Cash advanceWaived
Eligibility
Min income (salaried)INR 1.5 lakh+
Min income (self-emp.)INR 25 lakh/year+
Credit score800 or above (CIBIL)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - accelerated on select categories
Redemption optionsCashback (direct), Airmiles / Airline Conversion, Gift Vouchers, Merchandise, Bank's own online redemption store (Indus Moments)
Points expiryNo Expiry
Travel & lounge
Domestic loungeUnlimited domestic lounge access conditional on INR 5,00,000 spend in preceding quarter (eff. April 2026; was unconditional). Access via LoungeKey.
International loungeUnlimited via Priority Pass
Lounge conditionsINR 5,00,000 spend in preceding quarter unlocks unlimited domestic lounge access for next quarter (eff. April 2026; was unconditional)
Insurance coverageYes
Hotel/flight offers10% - 15% via hotel partners; complimentary Taj Epicure or ITC Culinaire membership
ConciergeYes - 24x7 Concierge
Forex waiver1.80%
Lifestyle
Dining discountsYes - premium dining discounts
Fuel surchargeYes - 1% waiver (INR 400-INR 4,000 transactions)
OTT subscriptionsNo
E-commerce offersYes - via IndusInd Bank offers portal (Amazon, Flipkart, etc.)
ComplimentaryGolf: 4 golf games + 4 lessons/month (revised WEF 10-Mar-2026); Golf: 4 golf games + 4 lessons/month (revised WEF 10-Mar-2026)
Credit limit & EMI
Default limitINR 10 lakh+
Max limitINR 20 lakh+ (No fixed cap)
Cash withdrawalWaived (cash advance waived)
EMI conversionPost-purchase
Min EMI amountINR 5,000+
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