Not available via the quiz

Requires an existing IndusInd PIONEER relationship-banking status (qualifying account balance or Net Relationship Value) — not available through a standard application.

IndusInd Bank Pioneer Heritage Metal Credit Card

IndusInd Bank

priority:lounge premiumTravel points

₹1,00,000

Joining fee

₹25,000, waived at ₹10L spend

Annual fee

Annual fee waived on ₹10 lakh+ spend in the previous year (aggregator-sourced; official post does not disclose a specific fee, only that a Relationship Manager should be consulted).

1.8%

Forex markup

3.5 / 5

Rating

Eligibility

Estimated minimum income: ₹1,50,000+/month

Estimated — not officially confirmed by the bank.

Estimated minimum CIBIL score: 800+

Estimated — not officially confirmed by the bank.

Officially confirmed relationship-based eligibility: (1) PIONEER savings/current account with ≥₹10,00,000 average quarterly balance (group-based), OR (2) Net Relationship Value ≥₹30,00,000 (group-based) combined with ≥₹1,00,000 average quarterly balance. NRV spans current/savings accounts, FDs, mutual funds, demat holdings, and insurance over the preceding 3 months.

Sources disagree: Forex markup conflict: the bank's own iBlogs post states 1.8%, Paisabazaar states zero — the official-adjacent figure is used as more reliable.

Lounge access

Unlimited domestic & international lounge visits

Complimentary LoungeKey membership (850+ lounges, 120+ countries) per Paisabazaar; guest visits at USD 27/person.

Key features

Unlimited domestic + international lounge for cardholder and family
Unlimited golf at select clubs
No late payment fees or overlimit charges

Reward details

1 point per ₹100 (domestic transactions, aggregator-sourced — official post doesn't detail a rewards structure)

2.5 points per ₹100 on International transactions

Redemption

KrisFlyer miles at 2 points = 1 mile, or ₹1/point for cash/vouchers.

Caps: 10,000 points/month for mile redemption

Reward points confirmed non-expiring (official post).
4 free movie tickets quarterly, capped ₹1,000/ticket.
₹3,000 dining vouchers twice annually via ITC Club Culinaire.
Travel insurance: baggage loss/delay, air accident cover up to ₹2.5 crore.
No late payment fees or overlimit charges; complimentary cash withdrawals (official post).

Real-world feedback

Not found — neither source contained customer complaints or praise.

Sources

Official — brief description only
Official — officially confirms relationship-based eligibility thresholds
Aggregator — fees, lounge, rewards