Credit Card Compare

Pioneer Heritage Credit Card

Data last updated 23 October 2026
36.00%
Purchase rate
₹1,00,000
Annual fee
Not published
Interest-free
Application

CardIQ

25Basic

Basic

Overall score, out of 100 · How this works

  • Rewards12
  • Travel37

Customer reviews

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Pros & cons

What's good

  • The 36% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹1,00,000 and Annual fee ₹25,000 as per MITC table (actual fees conveyed at time of application). Annual fee waived if spends ≥ ₹10 Lakhs in last anniversary year. Add-on card fee: NIL. Tax (GST) is additional at current rate. Late payment charges are waived for Pioneer Heritage. Over-limit charges are waived for Pioneer Heritage. Cash advance fee is waived for Pioneer Heritage. The ₹1,00,000 first-year fee (rising to ₹25,000) is still high for a Signature card, where the typical fee is about ₹3,500.
  • Earns 0.025 points per ₹1 on everyday spend, around the dataset average.
  • No balance transfer or introductory purchase offer.

Card details

The basics

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

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
36.00% p.a.
Purchases
36.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹1,00,000 p.a.
Annual fee (year 2+)
₹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
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

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

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.

Purchase rate36.00%Best in market (1st of 49 cards)
Overseas feeNo feeTied for best (1st of 49 cards)
Annual fee₹25,000 a yearAmong the most expensive (49th of 49 cards)

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

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Sources

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Issuer
IndusInd Bank