IndusInd Bank · Super-premium
Pioneer Heritage Credit Card
Where it ranks across all 187 cards
#26 EMI
1.0%
direct
#27 Wallet load
1.0%
direct
#58 Jewellery & watches
1.0%
direct
#66 Gaming
1.0%
direct
#71 Mobile / broadband
1.0%
direct
#77 Train tickets
1.0%
direct
#82 Cabs & transit
1.0%
direct
#86 Other
1.0%
direct
#87 Health & pharmacy
1.0%
direct
#90 Electronics
1.0%
direct
#96 Hotels
1.0%
direct
#97 Flights
1.0%
direct
#99 Online shopping
1.0%
direct
#100 Food delivery
1.0%
direct
#100 Fashion
1.0%
direct
#101 Movies & events
1.0%
direct
#102 Groceries
1.0%
direct
#108 Dining out
1.0%
direct
#48 Insurance
0.7%
direct
#49 Education
0.7%
direct
#57 Utility bills
0.7%
direct
Get an email if this card changes - sign in.
Get Cash Credit in the ratio of 1 Reward Point = ₹ 1
Points valued at ₹1/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
1.00%base rate
1 pt / ₹100
source
Source: IndusInd Bank Pioneer Heritage Credit Card - indusind.bank.in - read 2 Oct 2026
0.7 pts / Rs 100 on utilities, insurance, government, education and rent
0.70%this rule
0.7 pts / ₹100
source
Source: Revision in IndusInd Bank Credit Card Rewards Program - indusind.bank.in - read 2 Oct 2026
2.5 pts / Rs100 on international transactions
2.50%this rule
2.5 pts / ₹100
source
Source: IndusInd Bank Pioneer Heritage Credit Card - indusind.bank.in - read 2 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel
earns nothing
Fuel transactions accrue no reward points since 1 Apr 2018 (bank T&C).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5983, 5172, 5542, 5541
Source: IndusInd fuel surcharge T&C (bank site): "effective 01st April 2018, fuel transactions will not accrue reward points on your IndusInd Bank Credit Card" - indusind.bank.in - read 2 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.