IndusInd Bank Pioneer Heritage Credit Card

One of India's few Mastercard World Elite credit cards, an invite-only metal card from IndusInd's private-banking arm with unlimited lounge access, 2.5% rewards on international spends, and rare ₹2.5 crore air-accident cover — offset by an extremely steep first-year fee.

Rates and fees last verified 14 September 2026.

Annual fee

₹25,000

Joining fee

₹90,000

Reward type

points

Base reward rate

Card network

Mastercard

Card tier

Super-premium

Reward rates by category

Travel2.5%

Eligibility

Minimum monthly income: ₹2,00,000
Employment: salaried, self-employed
Age: 21–65

Benefits

Unlimited complimentary domestic and international airport lounge access
Complimentary air accident cover up to ₹2.5 crore
Up to 4 complimentary movie tickets/quarter via BookMyShow (capped ₹1,000/ticket); ₹3,000 dining discount twice yearly; 4 complimentary golf games and lessons per month
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Pros

+ Unlimited domestic and international lounge access
+ 2.5% reward rate on international/travel spends
+ ₹2.5 crore complimentary air-accident insurance

Cons

− Very high reported joining fee (~₹90,000+GST) plus ₹25,000 annual fee
− Invite-only — not available for direct public application
− Metal card variant being phased out for new issuance from April 2026 (plastic thereafter)

Apply on IndusInd Bank's site

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