SimplifyCards take:A good fit if you want a card built for luxury, travel, and lounge
✓
Best for TravelBest for
2.5 reward points per ₹100
!
Avoid if your spend is lowWatch out
The ₹ 25,000 fee waives only at ₹ 10 lakh/year, and some benefits can be spend-gated
✦
Good fit if you want a card built for luxury, travel, and loungeBottom line
It combines complimentary airport lounge access, a low 0% forex markup, and accelerated rewards on travel
Estimate your Pioneer Rewards
Adjust your monthly spend to see the card's estimated annual value
How the card works
Pioneer Rewards rates
| Category | Rate |
|---|---|
| Base | 1 reward point per ₹100 |
| Travel | 2.5 reward points per ₹100 |
| Utility Bill Payments | 0.7 reward points per ₹100 |
| Insurance Premium Payments | 0.7 reward points per ₹100 |
| Education Fees | 0.7 reward points per ₹100 |
| Rent Payments | 0.7 reward points per ₹100 |
Redemption
Statement balanceupto ₹ 1 per point
Airmile transferupto 0.5 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 2:1 |
Important conditions
1
Domestic loungeUnlimited visits per year
- Unlimited domestic lounge visits
2
International loungeUnlimited visits per year
- Unlimited international lounge visits on eligible network and programme memberships
3
Fee waiverRenewal fee waived on annual spends of ₹ 10 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Welcome vouchers worth ₹1 lakh upon joining fee payment of ₹1 lakh
Additional benefits
- Zero foreign currency mark-up (reduced from 1.8% to 0% w.e.f 5 October 2024)
- Unlimited domestic lounge visits
- Unlimited international lounge visits on eligible network and programme memberships
- 4 complimentary golf games and 4 complimentary golf lessons per month (effective 10 March 2026)
- Complimentary movie tickets on BookMyShow: 4 free tickets per quarter (capped at ₹1,000 per ticket) plus 20% off (up to ₹350) for every 2 tickets on non-movie events
- Complimentary dining benefits via EazyDiner: get ₹3,000 off on total bill around the year at select restaurants
- No late payment fee, no over-limit fee, and no cash advancement charges
Eligibility
Check this before you apply
Salaried
- Pioneer relationship and bank approval required
Self-employed
- Pioneer relationship and bank approval required
Exclusions
Spending that does not earn pioneer rewards
- fuel transactions
Compare before you decide
Alternatives based on what you might want instead