IndusInd Bank PIONEER Heritage Credit Card
1 point/full ₹100 eligible domestic spend, ₹1 cash value on one capped claim. Standard first-year joining fee ₹100,000+GST is deducted; renewal terms differ.
Try your spend →How this estimate works
Domestic earn is 1 point per full ₹100. Standard first-year joining fee ₹1,00,000 plus GST is deducted, not merely the ₹25,000 renewal fee. Year-two renewal is ₹25,000 plus GST, with a ₹10 lakh preceding-year spend waiver not assumed. The 50,000-point calendar-month cap applies across all eligible redemption options. New issuances, renewals and replacements are plastic from 1 April 2026; this is not an assumption of a current metal card. This model prices one ordinary eligible domestic purchase at the entered amount repeated for twelve months, counting full ₹100 blocks. ₹1 per point is the issuer-confirmed cash-credit value, not a mile valuation. Only one cash claim at year end is assumed, limited to 50% of modeled annual points and the product monthly cap, with a 500-point minimum and one ₹149 plus GST claim fee deducted. Leftover points may support later claims but are not counted as usable one-year cash. Fuel, utilities, insurance, government, education, rent, property, wallets, EMI and ambiguous merchant/payment routes are excluded or left unscored; issuer revisions and actual MCC control. Spend must remain within the assigned credit limit, and account must stay active and paid on time. PIONEER banking eligibility is required; account qualification costs are not priced. No welcome gifts, bonus points, renewal waiver, airline transfers, international acceleration, movie, lounge, golf or other privileges are valued. Confirm the application fee quote: current MITC says actual fees are conveyed at application.
Issuer sources
Named product earn and eligibility · Cash value · Cash minimum and monthly cap · 50%-balance cash claim restriction and fee · Standard joining and renewal fees · Special-category rate changes
Terms checked 30 September 2026. First-year standard joining fee is the cost basis, not recurring annual fee. Lower personal fee offers and joining gifts are not assumed.