Credit Card Compare

IndusInd Bank Pioneer Legacy Credit Card

Data last updated 23 October 2026
46.00%
Purchase rate
₹50,000
Annual fee
4,000
Bonus points
Application

CardIQ

36Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge45
  • Rewards30
  • Sign-up bonus20
  • Travel49

Customer reviews

No reviews yet. Be the first to review the IndusInd Bank Pioneer Legacy Credit Card.

Pros & cons

What's good

  • 4,000 bonus points to start, worth around ₹1,000 at our ₹0.25-per-point valuation.
  • Complimentary airport lounge access.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹50,000 or ₹5,000 (lifetime-free membership for eligible Pinnacle Grande and Pioneer Legacy customers per MITC footnote); annual fee NIL; actual fees conveyed at time of application. No tax information explicitly stated. Annual fee waiver condition: spend ₹10 Lakhs or more in last anniversary year. Add-on card fee: NIL. The ₹50,000 annual fee is still high for a Signature card, where the typical fee is about ₹3,500.
  • The 46% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Signature
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
46.00% p.a.
Purchases
46.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹50,000 p.a.
Cash advance fee
—
Foreign transaction fee
1.8%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Not published
Minimum repayment
Minimum Amount Due is calculated as 2% of Total Amount Due or such other amount as may be determined by IndusInd Bank at its sole discretion

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 49 cards)
Overseas fee1.80%Top 10% (4th of 49 cards)
Sign-up bonus₹1,000Not as good as most cards (14th of 22 cards)
Purchase rate46.00%Not as good as most cards (34th of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

Browse by card type

Compare the IndusInd Bank Pioneer Legacy Credit Card against every other card in its category.

Airport loungeRewardsTravelView all →

Questions and answers

No questions yet. Ask the first one about IndusInd Bank Pioneer Legacy Credit Card.

Sources

Credit Card Compare
How CardIQ scores cards
Issuer
IndusInd Bank