Fees
Annual feeNil (Lifetime Free after joining fee)
Joining feeINR 50,000 + GST (INR 5,000 for Grandé/Legacy customers if spend criteria not met)
Renewal feeNil (Lifetime Free after joining fee)
Fee waiverLifetime Free - no annual fee applicable
Spend waiverLifetime Free after joining fee (Pioneer Legacy)
Interest rate3.83% per month (46% 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 markup1.8% (paid card); 3.5% (complimentary card)
Cash advanceWaived
Eligibility
Min income (salaried)INR 75,000 - INR 1,25,000
Min income (self-emp.)INR 12 - INR 20 lakh/year
Credit score780 - 850 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 2X on international; milestone bonus 4,000 RP on INR 5 lakh annual spend
Redemption optionsCashback (direct), Airmiles / Airline Conversion, Gift Vouchers, Merchandise, Bank's own online redemption store (Indus Moments)
Points expiryNo Expiry
Travel & lounge
Domestic loungeComplimentary domestic lounge access (1 visit/quarter) subject to quarterly spend threshold; tracking initiated April 1, 2026 — spend gate applies from July 2026 quarter onwards. Card swipe at lounge POS for access.
International loungeVia Priority Pass (usage fees at USD 35/visit after complimentary quota)
Lounge conditionsQuarterly spend threshold required for domestic lounge access (eff. from July 2026 quarter; exact threshold — refer to IndusInd Bank website). Tracking started April 1, 2026.
Insurance coverageYes
Hotel/flight offers10% - 15% via hotel partners
ConciergeYes - 24x7 Concierge
Forex waiver1.8% (paid card)
Lifestyle
Dining discountsYes - dining discounts at partner restaurants
Fuel surchargeYes - 1% waiver
OTT subscriptionsNo
E-commerce offersYes - via IndusInd Bank offers portal (Amazon, Flipkart, etc.)
ComplimentaryGolf: 2 golf games + 2 lessons/month (revised WEF 10-Mar-2026); Golf: 2 golf games + 2 lessons/month (revised WEF 10-Mar-2026)
AdditionalGolf (eff. Mar 10, 2026): 2 complimentary games + 2 complimentary lessons per month (revised from earlier structure). EazyDiner Prime membership discontinued (eff. Jan 1, 2026). Air accident insurance discontinued (eff. Dec 21, 2025). Domestic lounge spend gate applies from July 2026 quarter. DCC fee: 1% + GST (premium tier rate, eff. Jun 15, 2026). Fuel fee: 1% + GST on cumulative fuel spends exceeding INR 50,000/statement cycle (eff. Jun 15, 2026).
Credit limit & EMI
Default limitINR 5 - INR 10 lakh
Max limitINR 10 lakh - INR 20 lakh
Cash withdrawalUp to 40% of credit limit
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