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Features of IndusInd Bank Pioneer Legacy Credit Card

  • Contactless Payment Technology:
    The IndusInd Bank Pioneer Legacy Credit Card is equipped with EMV chip-based contactless payment technology. Cardholders can securely wave the card at terminals for quick purchases at over 10 lakh merchant outlets in India and 30 million worldwide, ensuring convenience and fraud protection.
  • Reward Points Program:
    Earn 1 reward point for every ₹100 spent on weekdays and 2 points on weekends. Spend ₹6 lakh in a year to receive 6,000 bonus points. Points can be redeemed for cash credit (1 point = ₹1), KrisFlyer miles, or gift vouchers. Note: Fuel spends are excluded from reward accruals from April 1, 2018.
  • Complimentary Lounge Access:
    Enjoy access to premium airport lounges:
    • Domestic: Cardholders receive 1 complimentary visit per calendar quarter to participating domestic lounges using the Mastercard variant, and 2 complimentary visits per quarter for Visa cardholders at select premium lounges in India.
    • International: With a complimentary Priority Pass membership, cardholders get 2 complimentary visits per quarter to over 600 international lounges worldwide (applicable to the paid variant only). Additional visits or guest access incur a fee of USD 27 per visit. This feature ensures comfort and luxury during travel, providing access to premium amenities like refreshments, Wi-Fi, and workspaces.
Credit Card Promotion
    • Reward Points Program: Earn 1 reward point per ₹100 on weekdays and 2 reward points per ₹100 on weekends. Get 6,000 bonus reward points upon spending ₹6 lakh annually, effectively boosting reward rates to 2% (weekdays) and 3% (weekends).
    • Complimentary Lounge Access: Mastercard variant offers 1 domestic lounge visit per quarter; Visa variant offers 2 visits. Paid variant includes Priority Pass membership with 2 international lounge visits per quarter (additional visits at $27).
    • Golf Privileges: 4 complimentary golf games and 4 lessons per month at select courses in major cities, subject to ₹25,000 spend in previous billing cycle.
    • Movie Ticket Benefits: Buy One, Get One Free offer on BookMyShow (3 free tickets/month, max ₹200/ticket) plus ₹50-150 F&B discounts.
    • Fuel Surcharge Waiver: 1% waiver on transactions between ₹400-₹4,000 at all Indian fuel stations.
    • Low Forex Markup: Only 1.8% foreign currency markup fee on international transactions (paid variant only).
    • Welcome Gifts: Paid variant cardholders receive Oberoi Hotel e-gift voucher and ₹5,000 Luxe Gift Card redeemable at 360+ premium stores.
    • Travel Insurance: Includes ₹25 lakh air accident cover, ₹1 lakh lost baggage, ₹25k delayed baggage, and protection for lost passports/missed connections.
    • 24/7 Concierge: Personalized assistance for travel bookings, hotel reservations, and lifestyle needs worldwide.
    • Zero Cash Advance Fees: Unlike most credit cards, no charges for cash withdrawals at ATMs.
    • No Over-Limit Fees: Flexible spending without penalties for occasional limit exceedance.
    • Total Protect Program: Coverage up to credit limit for unauthorized transactions due to loss/theft reported within 48 hours.
    • Premium Card Design: Elegant metal card design available in Visa and Mastercard variants, with the Mastercard version particularly noted for its aesthetic appeal.
    • Exclusive Pioneer Banking: Card is offered as part of IndusInd's Pioneer Banking program for HNIs, requiring ₹10 lakh AQB or ₹30 lakh NRV relationship.
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Benefits of IndusInd Bank Pioneer Legacy Credit Card

  • 1. Travel & Lifestyle:
    • Lounge Access: Enjoy 1-2 domestic lounge visits per quarter and 2 international lounge visits with Priority Pass (paid variant), enhancing travel comfort.
    • Low Forex Markup: Save on international transactions with just 1.8% markup compared to standard 3-3.5% fees.
    • Concierge Services: 24/7 assistance for travel planning, bookings, and destination information worldwide.
  • 2. Financial Advantages:
    • Reward Points: Earn up to 3% returns on spending (including milestone bonus), with flexible redemption for cash, miles, or vouchers.
    • Fuel Surcharge Waiver: 1% savings on fuel purchases between ₹400-₹4,000 at all Indian fuel stations.
    • No Cash Advance Fees: Access emergency cash at ATMs without additional charges.
    • Golf Benefits: The 4 complimentary golf games and lessons per month at premium courses cater to affluent lifestyles, adding exclusive recreational value.
    • Movie Entertainment: The BOGO movie ticket offer (3 free/month) and F&B discounts provide substantial savings for frequent cinema-goers.
    • Welcome Gifts: The Oberoi Hotel voucher and ₹5,000 Luxe Gift Card offer immediate value, equivalent to ~50% of the joining fee for paid variant.
    • Travel Insurance: Comprehensive coverage including ₹25 lakh air accident and ₹1 lakh lost baggage protection ensures peace of mind during travel.
    • No Annual Fee: After the first year (with joining fee waiver), the card becomes cost-free, unlike many premium cards charging ₹5,000-10,000 annually.
    • Prestige & Exclusivity: As a Pioneer Banking offering, the card signifies membership in IndusInd's HNI segment, with potential for personalized banking services.
    • Security Features: EMV chip and Total Protect program safeguard against fraud, while no over-limit fees provide spending flexibility.
    • Global Acceptance: Wide acceptance at 30+ million merchants worldwide ensures usability for both domestic and international transactions.
    • Milestone Bonus: The 6,000 bonus points for ₹6 lakh annual spend effectively increases reward rates, particularly valuable for high spenders.
    • Weekend Rewards Boost: Double reward points on weekends incentivize leisure spending when cardholders are likely to dine out, shop, or travel.
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How to Apply for IndusInd Bank Pioneer Legacy Credit Card

  • Establish Pioneer Banking Relationship: Maintain ₹10 lakh AQB in savings/current accounts or ₹30 lakh NRV across IndusInd products.
  • Check Pre-Approval: Log in to IndusInd net banking/mobile app to check for pre-approved offers under Pioneer Banking.
  • Online Application: Visit IndusInd website → Credit Cards → Pioneer Legacy → Apply Now.
  • Digital Process: Complete 100% digital application with Video KYC (no branch visit required).
  • Document Upload: Submit scanned copies of PAN, Aadhaar, address proof, and income documents (ITR/salary slips).
  • Verification: Respond to verification calls from the bank within 48 hours.
  • Alternate Application Methods:
    • Branch Application: Visit Pioneer Banking branch, meet Relationship Manager, submit physical documents.
    • RM-Assisted: Pioneer Banking RMs can initiate application during portfolio reviews for eligible clients.
  • Tips for Smooth Application:
    • Ensure Pioneer Banking relationship is active for at least 3 months before applying.

Eligibility Criteria for IndusInd Bank Pioneer Legacy Credit Card

  • 1. Pioneer Banking Relationship
    • Must maintain ₹10 lakh Average Quarterly Balance (AQB) in savings/current accounts OR
    • ₹30 lakh Net Relationship Value (NRV) across deposits, investments, etc.
  • 2. Income Requirements
    • Minimum Annual Income: ₹30 lakh (indicative for salaried/self-employed)
    • Stable income source with 2+ years employment/business history
  • 3. Credit Profile
    • CIBIL Score: 750+ with no defaults or late payments in last 24 months
    • Credit Utilization Ratio: Below 30% preferred
  • 4. Age & Residency
    • Primary Cardholder: 21-65 years
    • Add-on Cardholder: Minimum 18 years
    • Indian residents only (NRIs may apply under special consideration)
  • 5. Additional Factors
    • Existing IndusInd customers with good repayment history preferred
    • Professionals/entrepreneurs with high net worth given priority
    • Spending capacity of ₹50,000+ monthly enhances approval chances
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Documents Required for IndusInd Bank Pioneer Legacy Credit Card

  • 1. Identity Proof (Any One):
    • PAN Card: Mandatory for all applications (copy showing full PAN)
    • Aadhaar Card: With masked first 8 digits (last 4 visible)
    • Passport: Valid copy with clear personal details
    • Driving License: Current address must match application
  • 2. Address Proof (Any One):
    • Aadhaar Card: If address differs from ID proof
    • Utility Bill: Electricity/water/gas bill (not older than 3 months)
    • Bank Statement: From another bank showing current address
    • Property Tax Receipt: For self-owned residences
  • 3. Income Proof:
    • Salaried Individuals:
      • Last 6 months salary slips
      • Form 16 or latest ITR with computation of income
      • 6 months bank statement showing salary credits
    • Self-Employed:
      • Last 3 years ITRs with profit/loss statements
      • Business registration/license documents
      • 6 months business bank statements
  • 4. Pioneer Banking Proof:
    • Account statement showing maintained AQB/NRV
    • FD/investment statements if part of NRV calculation
  • 5. Additional Documents:
    • Passport-sized photograph (recent, white background)
    • Add-on card applicant's ID proof (if applicable)

Factors Affecting Eligibility for the IndusInd Bank Pioneer Legacy Credit Card

  • 1. Pioneer Banking Relationship: Maintaining the required ₹10 lakh AQB or ₹30 lakh NRV is non-negotiable for approval. Temporary dips below threshold may lead to card downgrade.
  • 2. Credit History: Even with high income, a CIBIL score below 750 or recent defaults (last 2 years) typically results in rejection despite meeting other criteria.
  • 3. Income Stability: Fluctuating income (e.g., commission-based) requires stronger documentation (3+ years ITRs) versus stable salaries which may qualify with 1 year proof.
  • 4. Existing Debt: High existing EMIs (home/car loans) reducing disposable income below ₹2 lakh/month can negatively impact approval chances.
  • 5. Card Portfolio: Holding 4+ premium cards already may trigger bank's exposure limits, requiring closure of existing cards.
  • 6. Spending Patterns: Low utilization (<10%) on existing cards may suggest insufficient need for another premium card.
  • 7. Employer Profile: Salaried applicants from lesser-known companies may require higher income (₹40L+) versus ₹30L for MNC/listed company employees.
  • 8. International Exposure: Frequent foreign transactions increase approval odds as card targets globetrotters.
  • 9. Add-on Cards: Requesting 3+ add-on cards during application may trigger additional scrutiny of primary holder's income.
  • 10. Documentation Gaps: Missing even one document (e.g., unsigned Form 16) can delay processing by 2-3 weeks.
  • 11. Banking History: New IndusInd customers (<6 months) may face stricter evaluation versus long-standing clients.
  • 12. Promotional Timing: Approval rates increase during festive seasons (Oct-Jan) when banks relax some norms.

Frequently Asked Questions (FAQs)

1. What is the IndusInd Bank Pioneer Legacy Credit Card?
The IndusInd Bank Pioneer Legacy Credit Card is a premium credit card designed for high-net-worth individuals (HNIs) under the bank’s Pioneer Banking program. It offers exclusive benefits like lounge access, golf privileges, movie ticket discounts, and a robust reward points program tailored for travel, dining, and lifestyle needs.
2. Who is the target audience for this card?
The card targets affluent customers, typically Pioneer Banking clients, with a high income (indicative ₹30 lakh annually), a strong credit profile (CIBIL score ≥750), and a preference for luxury experiences such as travel, golf, and entertainment.
3. Is the card available in multiple variants?
Yes, the card is offered in Visa and Mastercard variants. The Mastercard variant provides 1 complimentary domestic lounge visit per quarter, while the Visa variant offers 2 visits. The paid variant (with a ₹50,000 joining fee) includes additional benefits like Priority Pass membership.
4. What is the joining fee for the card?
The paid variant has a ₹50,000 joining fee, which can be waived by spending ₹50,000 within 90 days of card issuance. The complimentary variant is offered to select Pioneer Banking customers without a joining fee.
5. Is there an annual fee for the card?
No annual fee is charged from the second year onward, making the card cost-effective for long-term use if the joining fee is waived or justified by benefits.
6. How does the reward points program work?
Cardholders earn 1 reward point per ₹100 spent on weekdays and 2 reward points per ₹100 on weekends. Additionally, 6,000 bonus reward points are awarded for spending ₹6 lakh annually, boosting the reward rate to approximately 2% (weekdays) or 3% (weekends).
7. What can I redeem my reward points for?
Reward points can be redeemed for cash credit (1 point = ₹1), KrisFlyer miles for Singapore Airlines, or vouchers for luxury products, travel, or lifestyle experiences on the IndusMoments portal.
8. What lounge access benefits are offered?
Domestic: Mastercard holders get 1 complimentary visit per quarter, while Visa holders get 2 visits per quarter at select premium lounges in India.
International: Paid variant cardholders receive a complimentary Priority Pass membership with 2 complimentary visits per quarter to over 1,000 global lounges (additional visits cost USD 27).
9. What are the golf benefits?
Cardholders receive 4 complimentary golf games and 4 complimentary golf lessons per month at select golf courses in cities like Ahmedabad, Bengaluru, Chennai, Delhi NCR, Hyderabad, Mumbai, and Pune, provided they spend ₹25,000 in the previous billing cycle.
10. How does the movie ticket offer work?
The card offers a Buy One, Get One Free deal on movie tickets booked via BookMyShow, with up to 3 free tickets per month (capped at ₹200 per ticket). Additionally, a ₹50–₹150 discount applies to food and beverage purchases for every two to six tickets booked.
11. What is the fuel surcharge waiver benefit?
A 1% fuel surcharge waiver is available on transactions between ₹400 and ₹4,000 at any fuel station in India, providing savings for frequent drivers.
12. What travel insurance coverage is provided?
The card includes:
- ₹25 lakh for personal air accident cover.
- ₹1,00,000 for lost baggage.
- ₹25,000 for delayed baggage.
- Additional coverage for lost passports, missed connections, and lost tickets.
13. What is the foreign currency markup fee?
The paid variant charges a 1.8% foreign currency markup fee on international transactions, which is lower than the industry standard of 3–3.5%. This benefit is not available for the complimentary variant.
14. What are the welcome gifts for the paid variant?
Cardholders of the paid variant receive an Oberoi Hotel e-gift voucher for stays at select properties and a ₹5,000 Luxe Gift Card, redeemable at over 360 premium brand stores across 30 cities.
15. Are there any cash advance fees?
No, the card waives cash advance fees, making it cost-effective for emergency cash withdrawals.
16. What happens if my card is lost or stolen?
The card is covered under the Total Protect program for up to 48 hours before loss reporting. Immediately contact customer care at 1860 267 7777 to block and replace the card.

List of IndusInd Bank Pioneer Legacy Credit Card Branches in Telangana

  • Hyderabad - Pet Basheerabad
  • Hyderabad - Road No Forty Five Jubilee Hills
  • Hyderabad - S R Nagar
  • Hyderabad - Shivam Road
  • Hyderabad - Siddambar Bazar
  • Hyderabad - Srinagar Colony
  • Hyderabad - Vanasthalipuram
  • Hyderabad - Vivekanandnagar
  • Ranga Reddy - Attapur
  • Ranga Reddy - Chandanagar
  • Ranga Reddy - Kompally
  • Secunderabad - Banjara Hills
  • Secunderabad - East Marredpally
  • Secunderabad - Karkhaana
  • Khammam - Khammam
  • Medak - Medak
  • Nalgonda - Choutuppal
  • Nalgonda - Kodad
  • Nalgonda - Miryalaguda
  • Nalgonda - Ragadapa