IndusInd Bank · Super-premium
Pioneer Private Credit Card
Where it ranks across all 187 cards
#2 EMI
3.0%
direct
#4 Wallet load
3.0%
direct
#10 Gaming
3.0%
direct
#11 Jewellery & watches
3.0%
direct
#12 Mobile / broadband
3.0%
direct
#14 Other
3.0%
direct
#15 Train tickets
3.0%
direct
#16 Health & pharmacy
3.0%
direct
#20 Dining out
3.0%
direct
#20 Cabs & transit
3.0%
direct
#21 Electronics
3.0%
direct
#23 Groceries
3.0%
direct
#25 Flights
3.0%
direct
#25 Hotels
3.0%
direct
#28 Online shopping
3.0%
direct
#28 Movies & events
3.0%
direct
#29 Fashion
3.0%
direct
#30 Food delivery
3.0%
direct
#49 Insurance
0.7%
direct
#50 Education
0.7%
direct
#58 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 rules2 direct
Base rate - everything not covered below
3.00%base rate
3 pts / ₹100
source
Source: IndusInd Bank Pioneer Private 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
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.