Is Indusind Lagecy Card Worth Pioneer account?

[Sagar]

Hi All,

Currently, Indusind is offering me Legacy Card LTF (joining fees 45k) If I open Pioneer account with them. Can you guys share your opinion if the card is worth it or not? I tried to find unboxing and review on youtube but there is not a single video on the card.

 

[EINSTEIN]

I am holding this card, the main benefit is if you spend 6 lakhs in a year you will get 18k points minus reward redemption fee of 100+gst. So reward rate of almost 3%. But the limitation is your spends should be on weekends. If not hitting 6L milestone then RR is 2% on weekend spends and 1% on weekdays. It was worth it for me when I applied because I only had icici cards at that time and axis was rejecting my applications. If you could share your portfolio I can help you out. Also the joining fee is hefty so try to get that waived because the benefits you get against that aren’t great.

The unboxing experience is great, similar box to the one showed in TechnoFino’s heritage video but in black. They now give a wooden box with heritage btw.

 

[ADITYA1904]

Hi All,

Currently, Indusind is offering me Legacy Card LTF (joining fees 45k) If I open Pioneer account with them. Can you guys share your opinion if the card is worth it or not? I tried to find unboxing and review on youtube but there is not a single video on the card.

Even ltf legacy not worth it, they offered me same ltf, but I didn’t go for it, i will go for heritage metal for sure

 

[Sagar]

I am holding this card, the main benefit is if you spend 6 lakhs in a year you will get 18k points minus reward redemption fee of 100+gst. So reward rate of almost 3%. But the limitation is your spends should be on weekends. If not hitting 6L milestone then RR is 2% on weekend spends and 1% on weekdays. It was worth it for me when I applied because I only had icici cards at that time and axis was rejecting my applications. If you could share your portfolio I can help you out. Also the joining fee is hefty so try to get that waived because the benefits you get against that aren’t great.

The unboxing experience is great, similar box to the one showed in TechnoFino’s heritage video but in black. They now give a wooden box with heritage btw.

Currently, I hold the below cards in my portfolio

ICICI Rubx (LTF), HDFC DCB (LTF), Amex Rewards, Amex MRCC, Axis Ace, Axis MyZone (LTF), Axis Flipkart (LTF), Citi Rewards (LTF), Citi Cashback, Federal Celesta (LTF), IDFC Select (LTF)

I am targeting one bank at a time and currently planning to get the maximum number of LTF cards possible.

 

[EINSTEIN]

In terms of reward rate ace and dcb leave this card behind. According to your current portfolio I will not suggest this card. You can try to get EazyDiner card ltf from IndusInd. Or negotiate for heritage.