Fees
Annual feeINR 25,000 + GST
Joining feeNil
Renewal feeINR 25,000 + GST
Fee waiverSpend INR 10 Lakh+ in last anniversary year (INR 50,000 annual fee if downgraded from Pioneer Private Status)
Spend waiverNo spend-based fee waiver (Pioneer Private - invite only)
Interest rate2.00% per month (24% 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 markup0% (Full Waiver)
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 - 3X on international spends
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 conditional on INR 5,00,000 spend in the preceding quarter (eff. April 2026; was unlimited/unconditional). Access via LoungeKey.
International loungeUnlimited (Self) + 12 complimentary guest visits abroad; additional guests at USD 35
Lounge conditionsINR 5,00,000 spend in preceding quarter required to unlock lounge access for the next quarter (eff. April 2026; was unconditional)
Insurance coverageYes - Travel insurance coverage
Hotel/flight offers15% - 25% via hotel partners; preferred hotel benefits (Taj Epicure or ITC Culinaire)
ConciergeYes - 24x7 Concierge services
Forex waiver0% (Full Waiver)
Lifestyle
Dining discountsYes - dining discounts at premium restaurants
Fuel surchargeYes - 1% fuel surcharge waiver
OTT subscriptionsNo
E-commerce offersYes - via IndusInd Bank offers portal (Amazon, Flipkart, etc.)
ComplimentaryGolf: Unlimited golf games & lessons/month (min INR 25,000 prior-cycle spend); Golf: Unlimited golf games & lessons/month (min INR 25,000 prior-cycle spend)
Credit limit & EMI
Default limitINR 10 lakh+
Max limitINR 20 lakh+ (No fixed cap)
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