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IndusInd Bank

IndusInd Pioneer Heritage Credit Card

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Annual Fee

₹999

Reward Type

Points

Forex

1.5%

Lounge

∞ dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹999

Rewards

Reward TypePoints
Base Rate1.5%
Point Value₹0.25/point

Category Multipliers

travel3%international4%

Redemption Values

vouchers₹0.4/pt
statement credit₹0.25/pt

Travel & Global

Forex Markup1.5%
Domestic LoungeUnlimited ✓
Intl. LoungeNone
Lounge NetworkPriority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Federal Celesta (98%) →HDFC Diners Club Rewardz (98%) →SC Rewards Credit Card (98%) →RBL Platinum Maxima Credit Card (97%) →Axis Bank SELECT (96%) →

💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹999 annual fee at the base reward rate of 1.5%, you need to spend ₹66,600 annually.

🎯 Pro Tips

  • ▸Maximize dining rewards by using the card at partner restaurants.
  • ▸Use for online shopping to earn additional points.
  • ▸Pay utility bills to earn extra reward points.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹3,501

Effective Rate

0.3%

Ranked #118 of 173 cards#118

₹999 annual fee deducted from gross rewards value.

📊 Spending Scenarios - Real-World Returns

Frequent Traveller (₹60K/mo)

Monthly: ₹60,000 · Annual: ₹7,20,000

1.8%
Effective Return
other: ₹25,000/modining: ₹10,000/motravel: ₹10,000/mointernational: ₹15,000/mo
Annual Rewards Value₹13,000
After Fee (₹999)+₹12,001

4X on international, 3X on travel, 1.5X on rest.

🔄 Redemption Pathways - Value per Point

MethodValue
Gift VouchersBEST₹0.40/pt
Statement Credit₹0.25/pt

🏷️ Best For

lifestyleshoppingdining