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
Celesta Credit Card
Rs 5,000Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic lounge access (effective July 2026 quarter onwards, requires minimum spend of ₹1,50,000 in the previous quarter to unlock access)
- 2 complimentary international lounge visits per calendar quarter via Priority Pass
3.5%Forex markup
Best for
Travel, Lounge, Golf, Premium
Top rewards
Other Retail Spends: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100
| Feature | PIONEER Legacy Credit Card | Celesta Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | IndusInd Bank |
| Network | Mastercard, Visa | American Express |
| Joining fee | Rs 45,000 | Rs 50,000 |
| Annual fee | Rs 0 | Rs 5,000 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | Pioneer Rewards | Reward Points |
| Best for | Premium, Travel, Lounge, Golf, Low Forex | Travel, Lounge, Golf, Premium |
| Top reward categories | Weekday Spends: 1 reward point per ₹100; Weekend Spends: 2 reward points per ₹100; Utility Bill Payments: 0.7 reward points per ₹100 | Other Retail Spends: 1.5 reward points per ₹100; Utility, Insurance, Government, Education, Real Estate, And Rent Spends: 0.7 reward points per ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 4 | Unlimited |
| International lounge | 8 | 8 |
| Forex markup | 1.8% | 3.5% |
| Milestone benefits | Not Listed | Annual fee reversed on spends of ₹10,00,000 or more in the card anniversary year |
| Redemption | Statement credit: upto ₹ 1 per point | Air miles: upto ₹ 0.5 per point; Statement credit: upto ₹ 0.7 per point |
| Key exclusions | fuel transactions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) |