IndusInd Bank Pioneer Legacy Credit Card
Travel
Movies
Rewards
1st Year Fee: ₹5,000* Plus Applicable Taxes
Lounge Access
8 international lounge visits every year
Rewards
2X reward points on weekend spends
Travel
Low foreign currency markup fee of 1.8%
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About IndusInd Bank Pioneer Legacy Credit Card
IndusInd Bank Pioneer Legacy Credit Card is an all-rounder card offering benefits across multiple spending categories, including travel, shopping, entertainment and more. Cardholders can earn 2X reward points on weekends and a base reward rate of 1 point per Rs. 100 spent on weekdays across all categories. The accumulated reward points can be redeemed against cash at a 1:1 ratio.
Besides this, the card is a suitable option for frequent travellers as well, with benefits like a low forex markup fee of 1.8% and complimentary domestic & international lounge visits. In addition to this, lifestyle benefits, including complimentary golf games, free movie tickets, and exclusive concierge services, enhance the card’s value.
Overall, this card is a suitable option for consumers seeking an all-rounder card with no annual fee. However, the card charges a joining fee of Rs. 5,000, which is waived off on spending Rs. 50,000 within the first 90 days.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit IndusInd Bank’s website.
Rewards Program & Milestone Benefits
Rewards Program
- 1 reward point per Rs. 100 spent on weekdays1
- 2 reward points per Rs. 100 spent on weekends1
- 0.70 reward points per Rs. 100 spent on utility bills, insurance payments, government services, education & rental payments
- Redeem rewards against cashback at a value of 1 RP = Rs. 1
- Redeem points against Krisflyer Miles at a value of 200 RP = 100 Krisflyer Miles
Milestone Benefit
- 4,000 bonus reward points on spending Rs. 5 Lakh or more within one year from the issuance of credit card
Other Features & Benefits
Travel Benefits
- Low forex markup fee of 1.8%
- Complimentary Priority Pass Membership with 2 complimentary international lounge visits in a quarter (only on Paid variant)
- 1 complimentary domestic lounge visit per quarter through Mastercard
Golf Benefit
- 4 complimentary golf lessons and games per month (only on Paid variant)
Movie Benefit
- Buy One Get One offer on BookMyShow, capped at Rs. 200 per ticket, up to three tickets in a month
IndusInd Bank Pioneer Legacy Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 5,000 + Applicable Taxes2 | ||||||||||||||||
| Annual Fee | Nil | ||||||||||||||||
| Finance Charges | 3.83% p.m. | 46% p.a. | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You prefer to shop on weekends instead of weekdays to maximize reward points
You are a frequent traveller looking for a card with a low forex markup fee
You can spend Rs. 5 Lakh within the first year to maximize milestone benefits
You are looking for an all-rounder card offering benefits across travel, shopping, movies, and more
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What do we like about this card?
With up to 2% reward rate across all spends, this card is a suitable option for cardholders who prefer to put most of their expenses on their credit card. However, to maximize reward benefits, cardholders need to spend on weekends to earn accelerated rewards. Additionally, travel benefits like a low forex markup fee and a complimentary Priority Pass membership with international and domestic lounge visits enhance its value for frequent travellers. With no annual fee, lifestyle benefits like free movie tickets, exclusive concierge services, and complimentary golf games make this an all-rounder card with decent value-back across all spends.
Pros
- Low forex markup fee of 1.8%
- 2X reward points on weekend spends
- Free movie tickets worth Rs. 600 every month
- 1:1 reward redemption ratio for cash credit
- Complimentary access to domestic and international airport lounges
Cons
- Limited frequency of complimentary domestic lounge visits
- High joining fee of Rs. 5,000, if the spend criteria is not met
- Rewards structure based on weekend and weekday spends
- Redemption option for Airmiles is restricted to KrisFlyer Miles only
Frequently Asked Questions
Everything you need to know about this credit card
Yes, you can visit the official website of the bank, navigate to the card’s page, and submit an enquiry form to apply online. The bank will contact you if you are eligible and proceed with your application. Besides this, you can also call 1860 267 7777 or +91 22 4220 7777 for any queries.
IndusInd Bank Pioneer Legacy Credit Card is an all-rounder credit card offering benefits across multiple categories. If you are ready to pay a joining fee of Rs. 5,000, you can save significantly on your travel as well as day-to-day spends. This card is a decent option if you prefer to put most of your expenses on your credit card.
The card charges a joining fee of Rs. 5,000, which gets waived off if you spend Rs. 50,000 within the first 90 days of card issuance. However, if you do not meet this spending criteria, a joining fee of Rs. 5,000 will be charged.
This credit card offers 2 reward points per Rs. 100 spent across all categories on weekends and 1 reward point per Rs. 100 spent on weekdays. Besides this, you can also earn 0.70 reward points per Rs. 100 spent on usually excluded categories, including utility bills, insurance payments, government services, education, and rental payments.
Yes, you can redeem the accumulated reward points against cash credit at a value of 1 Reward Point = Rs. 1.
Footnotes
- No reward points will be offered on fuel transactions.
- Cardholders can join the Pioneer Legacy Program at a joining fee of Rs. 45,000 and avail welcome vouchers worth Rs. 50,000.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
