Pinnacle Credit Card
Rs 0Annual fee
4Domestic lounge
Domestic lounge conditions
- Effective April 1, 2026, spends criteria tracking of ₹1.5 Lakh per quarter is initiated to unlock domestic lounge access from July 2026 quarter onwards.
- Effective March 13, 2025, Priority Pass lounge benefit is revised to 1 complimentary international visit per quarter.
3.5%Forex markup
Best for
Travel, Lounge, Golf, Movies
Top rewards
E-Commerce Transactions: 2.5 reward points per ₹100; E-Com Travel And Airline Transactions: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100
PIONEER Legacy Credit Card
Rs 0Annual fee
4Domestic lounge
Domestic lounge conditions
- 1 complimentary visit per calendar quarter to participating domestic lounges in India.
- Effective 1 April 2026, domestic lounge access is spend-gated: quarterly spends are tracked to unlock complimentary domestic access from the July 2026 quarter onwards.
- Guest visits, and primary-cardholder visits beyond the complimentary quota, are charged up to USD 35 per visit.
- 2 complimentary visits per calendar quarter to participating international lounges outside India via Priority Pass.
- Guest visits, and visits beyond the 2-per-quarter complimentary quota, are charged up to USD 35 per visit.
1.8%Forex markup
Best for
Premium, Travel, Lounge, Golf, Low Forex
Top rewards
Weekday Spends: 1 reward point per ₹100; Weekend Spends: 2 reward points per ₹100; Utility Bill Payments: 0.7 reward points per ₹100
| Feature | Pinnacle Credit Card | PIONEER Legacy Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | IndusInd Bank |
| Network | Mastercard | Mastercard, Visa |
| Joining fee | Rs 15,000 | Rs 45,000 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Pioneer Rewards |
| Best for | Travel, Lounge, Golf, Movies | Premium, Travel, Lounge, Golf, Low Forex |
| Top reward categories | E-Commerce Transactions: 2.5 reward points per ₹100; E-Com Travel And Airline Transactions: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100 | Weekday Spends: 1 reward point per ₹100; Weekend Spends: 2 reward points per ₹100; Utility Bill Payments: 0.7 reward points per ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 4 | 4 |
| International lounge | 4 | 8 |
| Forex markup | 3.5% | 1.8% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.75 per point | Statement credit: upto ₹ 1 per point |
| Key exclusions | fuel, cash advances | fuel transactions |