IndusInd Bank Pinnacle Credit Card
Verified · August 27, 2026
5.0/5.0
Updated on August 27, 2026
🎖️Reward Rate
Base Rewards: 2.5 Reward Points per ₹100 (2.5 Reward Points per ₹100 spent on all E-Commerce and Online shopping)
Overview
IndusInd Bank Pinnacle Credit Card by IndusInd Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 2.5 Reward Points per ₹100 (2.5 Reward Points per ₹100 spent on all E-Commerce and Online shopping)
- • 1.0 Reward Point per ₹100 (1.0 Reward Point per ₹100 spent on all offline POS transactions)
- • Accelerated Rewards: 2.5X accelerated reward earning on all online shopping, flight/hotel bookings, and travel portals
- • Excluded Categories: Fuel purchases
- • Government transactions
- • Wallet loading
- • Cash advances
Welcome Benefit
Welcome luxury gift vouchers worth up to ₹13,000 from choices including Oberoi Hotel stay vouchers, Luxe gift cards, Montblanc merchandise, or airline partner travel vouchers.; Qualification Criteria: Payment of one-time joining fee of ₹12,999 + GST within 30 days; Fulfillment Timeline: Delivered electronically within 30 days of joining fee receipt
Milestone Benefit
Spend ₹5 Lakhs (Annual): Complimentary stay voucher at partner luxury domestic resorts and hotels; Annual Fee Waiver: One-time joining fee with lifetime zero renewal fees
Redemption
- • Direct cash conversion onto credit card statement balance at 1 RP = ₹0.75
- • Airline frequent flyer air miles at 1 RP = 1 Airline Mile
- • Oberoi Hotel stays, Taj dining experiences, and premium electronic vouchers
Benefits
- Domestic Airport Lounge: 8 per year (2 visits per calendar quarter) via Mastercard World Lounge Program
- International Airport Lounge: 4 per year (2 visits per quarter) via Priority Pass
- Fuel Surcharge Waiver: 1% (Max waiver ₹300 per month) on fuel transactions between ₹400 and ₹4000
- BookMyShow Buy 1 Get 1 Free Movie Tickets: Buy 1 movie ticket and get 1 free up to ₹200 per ticket for up to 3 bookings per calendar month on BookMyShow (Savings up to ₹7,200/year). (Up to 3 free tickets monthly
- Valid for all cinema chains on BookMyShow) [Partners: BookMyShow]
- Complimentary Golf Rounds & Masterclass Lessons: Enjoy 2 complimentary golf games and 2 complimentary golf lessons every month at over 20 top golf destinations in India. (2 games and 2 lessons per calendar month
- Worldwide golf concierge access) [Partners: Apex Golf, Mastercard Golf Network]
- Comprehensive Travel & Air Accident Insurance: Complimentary Air Accident cover of up to ₹2.5 Crores, Lost Baggage cover up to ₹1 Lakh, and Loss of Passport cover up to ₹50,000. (Air Accident: ₹2.5 Crores
- Lost Baggage: ₹1 Lakh
- Emergency Medical: ₹25 Lakhs) [Partners: ICICI Lombard General Insurance]
Things to Know Before you apply
IndusInd Bank Pinnacle Credit Card Eligibility Criteria
- Age: 21–65 years
- Net monthly salary > ₹2,50,000 or Annual ITR > ₹30,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹12,999 |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of withdrawn amount (Min ₹300) |
Fee waiver: One-time joining fee with lifetime zero renewal fees
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
IndusInd Bank Pinnacle Credit Card issued by IndusInd Bank is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2.5 Reward Points per ₹100 (2.5 Reward Points per ₹100 spent on all E-Commerce and Online shopping)
- • 1.0 Reward Point per ₹100 (1.0 Reward Point per ₹100 spent on all offline POS transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
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Fee Details
Joining Fee
₹12,999
Annual/Renewal Fee
Free
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
Welcome Benefit
- • Welcome luxury gift vouchers worth up to ₹13,000 from choices including Oberoi Hotel stay vouchers, Luxe gift cards, Montblanc merchandise, or airline partner travel vouchers.
- • Qualification Criteria: Payment of one-time joining fee of ₹12,999 + GST within 30 days
- • Fulfillment Timeline: Delivered electronically within 30 days of joining fee receipt
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
Reward/Cashback Rate
- • Base Rewards: 2.5 Reward Points per ₹100 (2.5 Reward Points per ₹100 spent on all E-Commerce and Online shopping)
- • 1.0 Reward Point per ₹100 (1.0 Reward Point per ₹100 spent on all offline POS transactions)
- • Accelerated Rewards: 2.5X accelerated reward earning on all online shopping, flight/hotel bookings, and travel portals
- • Excluded Categories: Fuel purchases
- • Government transactions
- • Wallet loading
- • Cash advances
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
Pros
- • Base Rewards: 2.5 Reward Points per ₹100 (2.5 Reward Points per ₹100 spent on all E-Commerce and Online shopping)
- • 1.0 Reward Point per ₹100 (1.0 Reward Point per ₹100 spent on all offline POS transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed