IndusInd Bank Pioneer Heritage Metal Credit Card
Travel
Premium
Rewards
1st Year Fee: ₹100,000* Plus Applicable Taxes
International Use
Zero foreign currency markup fee
Lounge Access
Unlimited airport lounge access
Movies
4 free tickets via BookMyShow
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About IndusInd Bank Pioneer Heritage Metal Credit Card
The IndusInd Bank Pioneer Heritage Metal Credit Card is a premium category card largely offered to high-net-worth customers, especially affluent Indian professionals and entrepreneurs. With this card, one can avail benefits around multiple lifestyle categories like travel, wellness, golf, entertainment, etc. However, in comparison to other premium cards, at a high annual fee the reward rate on this card is significantly low, especially for domestic transactions. On the other hand, a zero forex markup fee and decent rewards on international transactions mark it as a suitable choice for international travelers who can maximize the reward benefits via miles conversion. Thus, the card can be a good choice for those who already own a rewards credit card but want another card from the premium category.
Note: This card is not available on Paisabazaar. The content on this page is for information only.
Rewards & Travel Benefits
- 1 reward1 point per Rs. 100 spent on domestic transactions
- 2.5 reward points per Rs. 100 spent on international transactions
- Value of 2 reward points = 1 Krisflyer mile2
- 1 reward point = Rs. 1 against cash credit, IndusMoments, Oberoi/Genesis Vouchers
- Zero foreign currency mark-up fee
- Unlimited international and domestic lounge access along with complimentary LoungeKey membership
- Complimentary ITC Club Culinaire Membership3 and dining vouchers worth Rs. 3,000 twice a year
- Free night stay for one night at participating luxurious hotels and handpicked resorts
Other Lifestyle Benefits
- Activation Benefits: Welcome gift vouchers worth the joining fee from your choice of brands.
- Golf: Unlimited complimentary golf games/lessons at leading golf clubs in selected cities.
- Movies: 4 free tickets in a quarter capped at Rs. 1,000 per ticket. Plus. 20% off (up to Rs. 350) for every two tickets purchased for non-movie events booking.
- Concierge Service: 24/7 assistance on hotel reservations, flight bookings and other lifestyle requirements.
- Insurance: Lost baggage insurance worth Rs. 1 lakh, delayed baggage insurance worth Rs. 25,000, loss of passport insurance worth Rs. 50,000, personal air accident Insurance worth up to Rs. 2.5 crore etc.
- Other Benefits4: 25% off retail rates on Airport Fast Track immigration service and 20% off retail rates on airport transfer service.
IndusInd Bank Pioneer Heritage Metal: Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 1 Lakh |
| Annual Fee | Rs. 25,000 (waived off on spending Rs. 10 lakh in the previous year) |
| Finance Charges | 2.99% p.m. | 36% p.a. |
| Foreign Currency Mark-up Fee | Nil |
| Late Payment Charges | Waived |
Things to Know Before you apply
Get this Card if:
You are willing to pay a high annual fee of Rs. 25,000 for premium features
You are a frequent traveler and a heavy spender
You put most of your routine expenditure on your credit card
You own other credit cards with a good reward rate
Other Premium Options:
HDFC Infinia
HDFC Diners Club Black Metal
Axis Bank Burgundy Private
Axis Bank Reserve
Paisabazaar Review
What do we like about this card?
The card caters to the all-round lifestyle needs with benefits around rewards, shopping, travel, golf, movies, dining, and more. It offers accelerated rewards on international spends with multiple redemption options, offering a value of 1:1 against cash credit. Additionally, along with unlimited golf and airport lounge access, the co-branded benefits on BookMyShow are offered across both movie and non-movie tickets.
Pros
- Unlimited lounge access
- Zero forex markup fee
- 4 free movie tickets every quarter
- Complimentary lifetsyle benefits around golf, movies, etc
- 1:1 redemption against cash credit
Cons
- High joining fee
- Reward rate is low for a premium credit card
- Miles conversion with just 1 airline partner
Frequently Asked Questions
Everything you need to know about this credit card
Yes, the IndusInd Bank Pioneer Heritage Credit Card comes with contactless technology.
In case of loss or misplacement of the credit card, you can call the IndusInd Bank credit card customer care and report the case after which your card will be blocked and a new one will be dispatched to your registered address.
With the Total Protect feature, you will be insured for a sum up to the credit limit of your card. It covers unauthorised transactions if your card is lost or misplaced and counterfeit fraud on your credit card.
Yes, an interest-free period of up to 50 days is given on the IndusInd Bank Pioneer Heritage Metal Credit Card.
Complimentary LoungeKey membership includes access to over 850 lounges in more than 400+ airports over 120 countries worldwide, guest visits (chargeable at USD 27 per person, per guest), access to business facilities (subject to availability and at the discretion of lounge operator) – email, internet, phones, fax machines, and even conference space in some lounges.
Footnotes
- Call 1860267777 to redeem your reward points.
- Maximum 10,000 reward points can be redeemed against KrisFlyer Miles per month.
- Complimentary LoungeKey and ITC Club Culinaire memberships are offered on MasterCard variants only.
- These features are valid on Visa Infinite variants only.
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