Credit Card Compare

IndusInd Bank PIONEER Private Credit Card

Data last updated 25 October 2026
24.00%
Purchase rate
₹25,000
Annual fee
6,000
Bonus points

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Application

CardIQ

18Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge21
  • Rewards8
  • Sign-up bonus8
  • Travel35

Customer reviews

No reviews yet. Be the first to review the IndusInd Bank PIONEER Private Credit Card.

Pros & cons

What's good

  • 6,000 bonus points to start, worth around ₹600 at our ₹0.1-per-point valuation.
  • The 24% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • Complimentary airport lounge access.
  • No fee to add an additional cardholder.

Worth noting

  • Nil joining fee. Annual fee Rs. 25,000 + GST from year 1 (waived on spends of Rs. 10 lakhs or more in the preceding year). Rs. 50,000 + GST charged if customer is downgraded from Pioneer Private status. Add-on card: 1 lifetime free add-on card (NIL fee). GST not included in stated fee amounts. The ₹25,000 annual fee is still high for a Black card, where the typical fee is about ₹12,500.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Black
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
IndusInd Bank Reward Points / EazyPoints

Eligibility

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

Rates & fees

Ongoing interest rates

Cash advances
24.00% p.a.
Purchases
24.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹25,000 p.a.
Cash advance fee
—
Foreign transaction fee
0%
Late payment fee
₹0
Over limit fee
₹0

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.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
3 Reward Points per ₹100
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
All reward points earned on your Credit Card are live till the credit card account is live.

Sign-up bonus

Bonus spend required
Spend Rs. 1 Lakh in first 30 days and get bonus reward points of 6000
Sign-up bonus
6,000 points

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.

Overseas feeNo feeTied for best (1st of 91 cards)
Purchase rate24.00%Top 10% (2nd of 91 cards)
Sign-up bonus₹600Middle of the market (20th of 37 cards)
Rewards value₹1,620 a yearNot as good as most cards (41st of 61 cards)
Annual fee₹25,000 a yearAmong the most expensive (89th of 91 cards)

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

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
IndusInd Bank