IndusInd Bank Pioneer Legacy Credit Card

The IndusInd Bank Pioneer Legacy Credit Card is a premium credit card offering a host of exclusive privileges tailored to meet the needs of discerning individuals. This card provides access to a world of luxury experiences, including complimentary airport lounge access, concierge services, and personalized assistance for travel bookings, dining reservations, and event tickets. Cardholders also benefit from a rewards program that offers points on every transaction, which can be redeemed for travel, shopping, and other exclusive offers. With its premium features, travel benefits, and exceptional service, the IndusInd Bank Pioneer Legacy Credit Card embodies luxury and sophistication, enhancing the financial journey of its esteemed users.

Key Highlights of IndusInd Bank Pioneer Legacy Credit Card:

  1. Enjoy Personal Air Accident Coverage of up to Rs. 25 lakh.
  2. Receive a complimentary movie ticket when you purchase one.
  3. Gain access to a Luxe gift card, unlocking premium products from renowned brands available at 360 stores across 30 cities in India.
  4. Benefit from 1 complimentary international lounge visit per cardholder every calendar quarter.
  5. Earn 1 reward point for every Rs. 100 spent on weekdays.

Features and Benefits of IndusInd Bank Pioneer Legacy Credit Card

The IndusInd Bank Pioneer Legacy Credit Card is a premium credit card that offers a wide range of exclusive features and benefits tailored to enhance the lifestyle of its cardholders. Here are some of the key features and benefits of this card:

  1. Air Accident Cover: Cardholders receive personal air accident coverage of up to Rs. 25 lakh, providing financial security during air travel.
  2. Movie Offer: Enjoy a “Buy One, Get One Free” offer on movie tickets, allowing you to share memorable cinema experiences with loved ones.
  3. Luxe Gift Card: Gain access to a Luxe gift card that unlocks a premium selection of products from renowned brands with a presence in 360 stores across 30 cities in India.
  4. International Lounge Access: Receive the privilege of 1 complimentary international lounge visit per cardholder every calendar quarter, ensuring a comfortable and luxurious travel experience.
  5. Reward Points: Earn reward points for your card spending. For every Rs. 100 spent on weekdays, you receive 1 reward point, which can be redeemed for various benefits, including travel and shopping.
  6. Concierge Services: Access personalized concierge services that assist with travel bookings, dining reservations, event ticket bookings, and other lifestyle needs.
  7. Travel Benefits: Enjoy travel-related perks, including preferential foreign currency rates and comprehensive travel insurance coverage.
  8. Dining Discounts: Savor special discounts and offers at partner restaurants, enhancing your dining experiences.
  9. Zero Lost Card Liability: Experience peace of mind with zero liability on lost card transactions after reporting the loss.
  10. Global Acceptance: The card is widely accepted both in India and abroad, ensuring convenience during your travels.
  11. Contactless Payments: Benefit from secure and convenient contactless payment technology for quick and hassle-free transactions.
  12. Balance Transfer: Transfer outstanding balances from other credit cards to your Pioneer Legacy Credit Card to consolidate and manage your credit effectively.
  13. Enhanced Security: Enjoy advanced security features, including EMV chip technology and SMS transaction alerts, ensuring the safety of your card.
  14. 24/7 Customer Support: Access round-the-clock customer service to address any card-related queries or issues promptly.

IndusInd Bank Pioneer Legacy Credit Card Fees and Charges

1. Monthly Finance Charge: 3.83%
2. Add-On Card Fee: None
3. Overlimit Charges: 2.5% of the overlimit amount, with a minimum of Rs. 500
4. Late Payment Fee:

  • Up to Rs. 100: None
  • Rs. 101 to Rs. 500: Rs. 100
  • Rs. 501 to Rs. 1,000: Rs. 350
  • Rs. 1,001 to Rs. 10,000: Rs. 550
  • Rs. 10,001 to Rs. 25,000: Rs. 800
  • Rs. 25,001 to Rs. 50,000: Rs. 1,100
  • Above Rs. 50,000: Rs. 1,300

5. Cash Advance Charges: None
6. Returned Cheque Fee: Rs. 250
7. Balance Enquiry Charges at Non-IndusInd Bank ATMs: Rs. 25
8. Card Replacement Fee: Rs. 100
9. Duplicate Statement Request Fee: Rs. 100 per statement (beyond the last 3 months)
10. Railway Booking Surcharge: As applicable
11. Foreign Currency Mark-Up Fee: 3.5%
12. Cash Payment Fee at IndusInd Bank Branch: Rs. 100
13. Priority Pass Lounge Access: Up to $27 per person per visit

Eligibility criteria for the IndusInd Bank Pioneer Legacy Credit Card

  1. Age: The primary cardholder should typically be between 21 years and 65 years of age. Supplementary cardholders may have different age criteria.
  2. Income: Applicants should have a stable source of income. While specific income requirements can vary, it’s common for premium credit cards like the Pioneer Legacy Card to require a higher income level, often in the range of Rs. 6 lakhs to Rs. 10 lakhs per annum or more. This income requirement is subject to change, so it’s essential to check the latest criteria with the bank.
  3. Credit History: A good credit history with a strong credit score is usually required. Banks evaluate your creditworthiness based on your credit history, including your repayment track record, outstanding loans, and any defaults.
  4. Residential Status: You should be a resident of India or a Non-Resident Indian (NRI) with an eligible NRI account, depending on the bank’s policy.
  5. Documents: You will need to provide necessary documents as proof of identity, address, and income. This typically includes documents like Aadhaar card, PAN card, passport, salary slips, bank statements, and income tax returns.
  6. Employment: Depending on your employment status, you may need to provide documents such as employment letters, Form 16, or business ownership proof.
  7. Relationship with the Bank: In some cases, having an existing relationship with IndusInd Bank, such as holding other accounts or cards, may be beneficial, although it might not be a strict requirement.

Please note that credit card eligibility criteria can change over time, and the specific criteria for the Pioneer Legacy Credit Card may vary based on promotional offers and the bank’s discretion. Therefore, it’s highly advisable to visit the official IndusInd Bank website or contact their customer service to obtain the most up-to-date and accurate information regarding eligibility requirements and the application process.

Documents Required for IndusInd Bank Pioneer Legacy Credit Card

1. Identity Proof:

  • Aadhaar card
  • Passport
  • Voter ID card
  • Driver’s license
  • PAN card (Permanent Account Number)

2. Address Proof:

  • Utility bills (electricity, water, gas)
  • Rental agreement
  • Passport (if not used as identity proof)
  • Voter ID card (if not used as identity proof)
  • Driver’s license (if not used as identity proof)
  • Bank account statement

3. Income Proof (For Salaried Individuals):

  • Salary slips for the last few months
  • Bank statements showing regular income credits
  • Form 16 or Income Tax Returns (ITR) acknowledgment

4. Income Proof (For Self-Employed Individuals/Business Owners):

  • Business ownership documents (e.g., partnership deed, certificate of incorporation)
  • Business financial statements (profit and loss statement, balance sheet)
  • Income Tax Returns (ITR) for the last few years

5. Passport-Sized Photographs: Typically, a few passport-sized color photographs may be required for card processing.

6. Duly Filled Application Form: You will need to complete the credit card application form provided by the bank. This form contains essential information about your personal and financial details.

7. Additional Documents (if applicable): Depending on your specific circumstances and the bank’s requirements, you may be asked to provide additional documents, such as proof of investments, property ownership documents, or any other documents that demonstrate your financial stability.

8. Existing Bank Relationship: Some banks may request information about your existing relationship with them, such as your account statements, if applicable.

How to apply for IndusInd Bank Pioneer Legacy Credit Card

To apply for the IndusInd Bank Pioneer Legacy Credit Card, follow these general steps. Keep in mind that the application process may vary slightly based on the bank’s current policies and procedures:

1. Check Eligibility: Before applying, check the eligibility criteria for the Pioneer Legacy Credit Card on the official IndusInd Bank website. Ensure that you meet the age, income, and credit history requirements.

2. Choose the Application Method:

  • Online Application: You can apply for the Pioneer Legacy Credit Card online through the bank’s website.
  • Offline Application: You can also visit a nearby IndusInd Bank branch to apply in person.

3. Online Application (Typical Steps):

  • Visit the official IndusInd Bank website.
  • Navigate to the credit card section or the Pioneer Legacy Credit Card page.
  • Click on the “Apply Now” or “Apply Online” button.
  • Fill out the online application form with your personal, financial, and contact information.
  • Upload the required documents (identity proof, address proof, income proof, etc.) as specified in the application form.
  • Review the application carefully to ensure accuracy.
  • Submit the application online.

4. Offline Application (Typical Steps):

  • Visit a nearby IndusInd Bank branch.
  • Request an application form for the Pioneer Legacy Credit Card from the bank’s representative.
  • Fill out the physical application form with your details. Be sure to provide accurate and complete information.
  • Attach photocopies of the required documents (identity proof, address proof, income proof, etc.) to the application form.
  • Submit the completed application form and documents to the bank’s representative.

Frequently Asked Questions (FAQs) –

1. What is the IndusInd Bank Pioneer Legacy Credit Card?

The IndusInd Bank Pioneer Legacy Credit Card is a premium credit card that offers a range of exclusive benefits, rewards, and privileges to enhance your lifestyle and financial experience.

2. How can I apply for the IndusInd Bank Pioneer Legacy Credit Card?

You can apply for the IndusInd Bank Pioneer Legacy Credit Card through the official IndusInd Bank website, by visiting a branch, or by contacting the bank’s customer service.

3. What are the key features of the Pioneer Legacy Credit Card?

The key features include personalized services, milestone rewards, travel benefits, dining privileges, lifestyle rewards, and access to airport lounges, among others. Check the official IndusInd Bank website for the most up-to-date features.

4. What is the eligibility criteria for this credit card?

The eligibility criteria typically include age, income, and credit score requirements. Please refer to the IndusInd Bank website or contact their customer service for specific details.

5. What are the annual fees and charges associated with the Pioneer Legacy Credit Card?

Annual fees and charges can vary. Check the latest fee structure on the IndusInd Bank website or contact customer service for the most accurate and up-to-date information.

6. How does the rewards program work for this credit card?

The IndusInd Bank Pioneer Legacy Credit Card offers a rewards program where you earn points for every transaction. These points can be redeemed for a variety of rewards, including travel vouchers, merchandise, and more.

7. Is there a joining bonus for the Pioneer Legacy Credit Card?

Joining bonuses may be offered as part of promotions. Check the latest offers on the IndusInd Bank website or contact customer service for information on current promotions.

8. Can I convert my purchases into EMI using this credit card?

Yes, the IndusInd Bank Pioneer Legacy Credit Card often provides the option to convert high-value purchases into easy monthly installments (EMIs). Check the terms and conditions for details.

9. How do I check my credit card statement and balance?

You can check your credit card statement and balance through the IndusInd Bank online banking portal, mobile app, or by contacting the customer service helpline.

10. What security features are in place for the Pioneer Legacy Credit Card?

The card typically comes with security features such as chip-and-PIN technology, SMS alerts for transactions, and zero liability on lost cards if reported promptly. Review the terms and conditions for comprehensive details on security features.