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 Rs 100; weekend spends: 2 reward points per Rs 100; Utility bill payments: 0.7 reward points per Rs 100
IndusInd Bank Pinnacle Credit Card
Rs 0Annual fee
4Domestic lounge
Domestic lounge conditions
- Effective April 1, 2026, spends criteria tracking of Rs 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 Rs 100; E-com travel and airline transactions: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100
| Feature | PIONEER Legacy Credit Card | IndusInd Bank Pinnacle Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | IndusInd Bank |
| Network | Mastercard, Visa | Mastercard |
| Joining fee | Rs 45,000 | Rs 15,000 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Pioneer Rewards | reward points |
| Best for | premium, travel, lounge, golf, low forex | travel, lounge, golf, movies |
| Top reward categories | weekday spends: 1 reward point per Rs 100; weekend spends: 2 reward points per Rs 100; Utility bill payments: 0.7 reward points per Rs 100 | E-commerce transactions: 2.5 reward points per Rs 100; E-com travel and airline transactions: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 4 | 4 |
| International lounge | 8 | 4 |
| Forex markup | 1.8% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 0.75 per point |
| Key exclusions | fuel transactions | fuel, cash advances |