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IndusInd Bank Pioneer Heritage Metal Credit Card

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IndusInd Bank Pioneer Heritage Metal Credit Card is a premium category card largely offered to high net worth customers, specially the affluent Indian professionals and entrepreneurs. With this card, one can avail benefits around multiple lifestyle categories like travel, wellness, golf, entertainment, etc. However, for a high annual fee card the reward rate is significantly low especially for domestic transactions. On the other hand, a low forex markup fee of 1.8% and decent rewards on international transactions mark it a suitable choice for international travelers. 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.

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Updated: 18-10-2024 07:39:00 AM

Key Highlights of IndusInd Bank Pioneer Heritage Metal Credit Card
Card Rating 3.5/5   ★★★
Annual Fee Rs. 25,000 (waived off on spending Rs. 10 lakh or more in previous year)
Best Suited For Travel and Lifestyle
Card Type Super-Premium
Welcome Benefit Gift voucher from Oberoi Hotels and Luxe Gift Card*
Reward Points 1 reward point per Rs. 100 on domestic transactions
2.5 reward points per Rs. 100 on international transactions
Rewards Rate 1%

*T&C Apply
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the IndusInd Bank website.

On this Page:
IndusInd Bank Pioneer Heritage Metal Credit Card- Features & Benefits
IndusInd Bank Pioneer Heritage Metal Credit Card- Fees and Charges
Who should get IndusInd Bank Pioneer Heritage Metal Credit Card?
Other Premium Credit Cards in India
Frequently Asked Questions (FAQs)

IndusInd Bank Pioneer Heritage Metal Credit Card- Features & Benefits

Welcome Gift Vouchers from Oberoi Hotels & Luxe Gift Card

With IndusInd Bank Pioneer Heritage Metal Credit Card, you get the following welcome benefits:

  • Complimentary third night on booking two consecutive paid nights. Choose from the list of hotels available. For reservations, contact Oberoi Central Reservations (Toll free: 1 800 11 2030; Telephone: +91 11 2389 0606; Email: reservations@oberoigroup.com; Fax: +91 11 2389 0500) after receiving your Oberoi Gift Voucher from IndusInd Bank
  • Get access to more than 30 global luxury and premium brands with a presence of over 360 stores across 30 cities in India. Each Luxe Gift Card will be worth Rs. 5,000. You will receive multiple Gift Cards depending upon the fee plan chosen by you. For activation, SMS<ACT><space><16 Digit Card Number><space><Card Pin> to 9704200300. Click here to read other terms and conditions
Up to 2.5 Rewards Points on your transactions

Earn reward points on all your purchases in the following manner:

Category Reward Points Earned
Domestic Spends 1 Reward Point per Rs. 100 spent
International Spends 2.5 Reward Points per Rs. 100 spent
Reward Redemption Options:
  • You can convert your Reward Points to Airmiles with the bank’s Airline Partners in the ratio of 1 Reward Point = 1 Air mile
  • Get Cash Credit in the ratio of 1 Reward Point = Re. 1
  • Call 1860267777 to redeem your Reward Points

Click here for other terms and conditions. 

If you think that being a premium credit card, IndusInd Bank Pioneer Heritage Metal Credit Card does not offer a decent reward rate as other cards of this category and its annual feel is too high, have a look at the below mentioned cards from other popular banks:

Credit Card Annual Fee Key Feature
SBI Card ELITE Rs. 4,999 Free Memberships (Club Vistara, Priority Pass, etc.)
Standard Chartered Bank Ultimate Credit Card  Rs. 4,999 Access to select golf courses in India and 150 courses worldwide
HDFC Bank Infinia Credit Card Rs. 10,000 Unlimited free golf games at select courses worldwide
ICICI Bank Emeralde Credit Card Rs. 12,000 Unlimited Lounge Access, no over the limit, cash withdrawal or late payment charges
American Express Platinum Reserve Credit Card Rs. 5,000 Complimentary access to 14 premium golf courses in India and Priority Pass Membership
Unlimited complimentary Golf Games/Lessons 

Get Unlimited complimentary Golf Games/Lessons specially hosted for you by leading golf clubs in Ahmedabad, Bengaluru, Chennai, Delhi NCR, Hyderabad, Mumbai, and Pune. Click here to book your complimentary Golf Games & Lessons. For a list of clubs for complimentary green fees and golf lessons, please click here.

Exclusive Movie & Non-Movie Offers from BookMyShow
Movie Offer Non-Movie Offer
4 free tickets in a quarter. The price of the free ticket is capped at Rs. 1,000 per ticket 20% off or discount of Rs. 350 (Whichever is lower) for every two tickets purchased for non-movie events booking

*Offer valid on all theatres registered with BookMyshow across all major cities. Click here for other terms and conditions. 

Complimentary ITC Club Culinaire Membership & Dining Discount

Sample cuisines from across the globe with a complimentary ITC Club Culinaire Membership for both you and your spouse. Your ITC welcome kit will be delivered to your mailing address within 30 working days of credit card issuance.

Click here to know about the privileges.

Also get complimentary Dining Vouchers worth Rs. 3,000 twice a year for over a 100 restaurants across the country. Get Rs. 3,000 off on your total bill amount around the year. Click here for booking. 

Click here for other details and conditions. 

Unlimited International and Domestic Lounge Access

Get unlimited access to both domestic and international lounges and avail Complimentary LoungeKey membership which includes:

  • Access to over 850 lounges in more than 400+ airports over 120 countries worldwide.
  • Guest visits are 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

Click here for the list of Domestic Lounges. For the list of participating International lounges : Download the LoungeKey app from the App Store to track visit history, find applicable lounge visit history and find out more information.

Other Benefits of IndusInd Bank Pioneer Heritage Metal Credit Card

The other significant features of the card are mentioned below:

  • No late payment fee, No over limit fee
  • Free cash advancement/withdrawal facility
  • Low foreign currency mark-up of 1.8%
  • Get assistance on hotel reservations, flight bookings, and your every other lifestyle requirement, at a time of your choosing (24/7 Concierge Services)
  • 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.
  • Fuel surcharge waiver on fuel transactions worth Rs. 500 to Rs. 10,000

IndusInd Bank Pioneer Heritage Metal Credit Card- Fees and Charges

Fee/Charge Amount/Rate
Joining Fee Rs. 2,00,000
Annual Fee Rs. 25,000 (waived off on spending Rs. 10 lakh in the previous year)
Interest on Revolving Credit 2.99% p.m. | 36% p.a.
Add-on Card Fee Nil
Over Limit Charges Waived
Cash Advance Charges Waived
Foreign Currency Mark-up Fee 1.8%
Late Payment Charges Waived

Click here for other important terms and conditions.

Who should get IndusInd Bank Pioneer Heritage Metal Credit Card?

This credit card is specifically designed to cater to the needs of Ultra High Networth Individuals. The card falls in the range of HDFC Imperia or Axis Burgundy. 

IndusInd Pinnacle Credit card is a super premium credit card designed for high net worth customers. You should consider getting 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 are interested in availing airport lounge access facilities
  • You are not expecting much savings on your fuel expenses

Keep in mind that there is an annual fee of Rs. 25,000 and joining fee of Rs. 2 Lakh which is very high,  so even if you don’t use your credit card, you will have to pay this amount.

Under the LoungeKey Membership, only a limited number of international visits are free. After you run out of free visits, you will have to pay for each visit. The card provides no offers on shopping expenses. 

Other Premium Credit Cards in India

HDFC Infinia Credit Card Metal Edition

infinia-credit-card
4/5

Joining fee: ₹12500

Annual/Renewal Fee: ₹12500

Unlimited airport lounge access for primary and add-on members

10x reward points on travel and shopping spends on Smartbuy

Travel
Lounge Access
Reward Points
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Product Details

  • 1 RP = 1 Air Mile or Rs. 1 for travel bookings, Apple products and Tanishq vouchers purchased via SmartBuy
  • Invite-only card with Club Marriott membership and 12,500 reward points on card activation & renewal
  • 5 reward points on every Rs. 150 spent, including spends on insurance, utilities and education​
  • Access to unlimited golf coaching in India & golf games across the world with 2% forex mark-up fee
  • Book 3 nights stay at participating ITC hotels and pay for 2 with 1+1 complimentary weekend buffet
Know More

Axis Magnus Credit Card

magnus-credit-card
3.5/5

Joining fee: ₹12500

Annual/Renewal Fee: ₹12500

Unlimited international & domestic lounge visits with 4 additional guest visits

Up to 60 EDGE reward points per Rs. 200

Travel
Reward Points
Check Eligibility

Product Details

  • Low forex mark-up fee of 2%
  • Conversion of rewards into Air Miles or Hotel Loyalty points (5:2)
  • Luxe gift card/ The Postcard Hotels/ Yatra voucher worth Rs. 12,500 on making the first transaction within 30 days from card issuance
Know More

SBI Aurum Credit Card

aurum-credit-card
3/5

Joining fee: ₹9999

Annual/Renewal Fee: ₹9999

Unlimited international lounge access

Memberships of top brands, like Amazon, EazyDiner, etc.

Travel
Reward Points
Check Eligibility

Product Details

  • Amazon Prime, Discovery+, EazyDiner Prime, Lenskart Gold & 1yr Club Marriott memberships
  • Taj voucher worth Rs. 10,000 on monthly spends of Rs. 10 Lakh
  • 4 free movie tickets worth Rs. 1,000 every month via BookMyShow
  • 1 domestic airport spa every quarter
  • Rs. 1,500 TataCliq voucher & Rs. 5,000 LUXE voucher on Rs. 1 Lakh & Rs. 5 Lakh monthly spends respectively
Know More

HDFC Diners Club Black Credit Card

hdfc-diners-club-black-credit-card
4/5

Joining fee: ₹10000

Annual/Renewal Fee: ₹10000

Unlimited airport lounge access for primary and add-on members

High base rewards rate of 3.33% with 5 reward points per Rs. 150 spent

Travel
Reward Points
Check Eligibility

Product Details

  • Up to 10X reward points on SmartBuy and 2X on weekend dining with up to 1:1 redemption ratio
  • Annual memberships of Club Marriott, Forbes, Amazon, Swiggy One (3 months) and MMT BLACK on joining
  • Low forex markup fee of 2% and renewal of annual complimentary memberships on Rs. 8 lakh annual spends
  • Any 2 vouchers of Rs. 500 from Ola cabs, cult.fit Live, BookMyShow, or TataCliQ on Rs. 80,000 monthly spends
  • 6 complimentary golf games in a calendar quarter
Know More

ICICI Emeralde Private Metal Credit Card

emeralde-private-metal-credit-card
4/5

Joining fee: ₹12499

Annual/Renewal Fee: ₹12499

Taj Epicure & EazyDiner Prime memberships

Unlimited airport lounge visits

Travel
Reward Points
Check Eligibility

Product Details

  • Rs. 3,000 EaseMyTrip vouchers on reaching each annual spending milestone of Rs. 4 Lakh and Rs. 8 Lakh
  • Unlimited golf lessons or rounds every month on creating a Golftripz account
  • EazyDiner membership, up to 50% off on dining in India & Dubai; 2,000 EazyPoints on joining
  • Buy 1 ticket and get up to Rs. 750 off on the 2nd ticket on BookMyShow bookings, twice a month
  • 1% fuel surcharge waiver of up to Rs. 1,000 per month on fuel transactions below Rs. 4,000
Know More

Standard Chartered Priority Visa Infinite Credit Card

priority-visa-infinite-credit-card
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

5X reward points on international and retail spends

2X reward points on other categories

Reward Points
Check Eligibility

Product Details

  • Up to 5 reward points on every Rs. 150 spent
  • Access to premier golf courses within India along with 2 complimentary golf lessons per month
  • Discounts and offers for dining, shopping and travel expenses through Good Life Programme
  • Complimentary overseas air accident cover of Rs. 1 Crore and medical insurance worth USD 25,000
Know More

Frequently Asked Questions (FAQs)

Does the IndusInd Bank Pioneer Heritage Credit Card come with contactless technology?
Yes, the IndusInd Bank Pioneer Heritage Credit Card does come with contactless technology.

What can I do if my IndusInd Bank Pioneer Heritage Metal Credit Card is misplaced or stolen?
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.

What does the feature of ‘Total Protect’ entail on the IndusInd Bank Pioneer Heritage Metal Credit Card?
With the Total Protect feature, you will be insured for a sum up to the credit limit of your card and covers unauthorised transactions if your card was lost or misplaced. This feature will also cover you for any kind of counterfeit fraud on your credit card.

Is there an interest-free period given on the credit card?
Yes, an interest-free period of up to 50 days is given on the IndusInd Bank Pioneer Heritage Metal Credit Card.

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