I have opened a Pioneer Savings Account with IndusInd Bank in hopes of getting a Pioneer Heritage Metal Card LTF, but the RM says it is not possible for her to process a card request for zero/lesser joining fees. I told her I know a couple of people who have received this card with no joining and annual fees by taking approval, she said it is possible but need to contact the RM of that person so that she can follow the same procedure. If anyone who has recently received this card with discounted or zero joining fees recently please guide me how to approach my RM 🙏🏻