← Part of IndusInd Credit Cards in India
The IndusInd Bank Pinnacle Credit Card, a premium offering, comes with a one-time joining fee of ₹14,999 to ₹15,000 + GST, but carries no annual fee from the second year onwards. Cardholders can earn 2.5X reward points on online transactions and benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.
| Parameter | Details |
|---|---|
| Card Type | Premium Credit Card |
| Joining Fee | ₹14,999 – ₹15,000 + GST (one-time) |
| Annual Fee | Nil (from second year onwards) |
| Interest Rate | 3.83% per month / 46% per annum |
| Reward Points on Online Spends | 2.5X reward points (2.5 points per ₹100 spent) |
| Reward Points on Offline Spends | 1% reward points |
| Reward Point Redemption Value | 1 Reward Point = ₹0.75 (against statement cash) |
| Fuel Surcharge Waiver | 1% waiver for transactions between ₹400 to ₹4,000 at any petrol pump in India |
| Complimentary International Lounge Visits | 1 per calendar quarter (effective March 13, 2025, via Priority Pass outside India) |
| Complimentary Domestic Lounge Visits | 1 per calendar quarter (spends criteria tracking starts April 1, 2026, for access from July 2026 quarter) |
| Complimentary Golf Games/Lessons | 1 per month at leading golf clubs in India |
| Complimentary Movie Tickets | 3 times per month, up to ₹200 discount per ticket (total value ₹7,200 annually) |
| Luxe Gift Card Value | ₹5,000 (redeemable across 30+ luxury brands in 30 Indian cities) |
| Application Processing Time | 4 to 5 business days |
| Concierge Service | 24×7 availability |
| Add-on Cards | Up to 5 complimentary add-on cards |
The card’s reward structure prioritizes online transactions, offering significant benefits for e-commerce and travel bookings, alongside exclusive lifestyle privileges.
Pinnacle Card: Features & Benefits
The IndusInd Bank Pinnacle Credit Card offers a range of premium benefits, including accelerated reward points on online spending and complimentary access to golf games. Cardholders receive 2.5X reward points on online transactions, making IT suitable for frequent digital shoppers.
- Accelerated Rewards: Earn 2.5X reward points on online transactions and 1.5X rewards on online travel and airline bookings. Each reward point holds a redemption value of ₹0.75 against statement cash.
- Lounge Access: Enjoy 1 complimentary international lounge visit per calendar quarter via Priority Pass (effective March 13, 2025). , receive 1 complimentary domestic lounge visit per calendar quarter within India.
- Golf Privileges: Access 1 complimentary golf game and lesson each month at leading golf clubs across India.
- Movie Benefits: Get complimentary movie tickets up to three times per month, with a discount of ₹200 if the ticket price exceeds the offer value. The total monthly benefit can be up to ₹7,200.
- Fuel Surcharge Waiver: Receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at any petrol pump in India.
- Welcome Benefits: New cardholders receive a Luxe gift card worth ₹5,000, valid across 30+ luxury brands and 360+ stores in 30 Indian cities.
- Concierge Service: A 24×7 concierge service is available to assist with travel, entertainment, and other lifestyle needs.
- Add-on Cards: The card allows for up to 5 add-on cards, extending benefits to family members.
- Global Acceptance: The IndusInd Bank Pinnacle Credit Card is accepted at over 10 lakh merchants in India and 30 million outlets globally.
- Insurance Coverage: Benefits include insurance cover for lost or counterfeit card liability up to the credit limit, covering a period of up to 2 days before reporting loss or theft.
These features position the Pinnacle Credit Card as a full option for individuals seeking premium lifestyle and travel advantages in 2026.
Pinnacle Card: Fees & Charges
The IndusInd Bank Pinnacle Credit Card carries a one-time joining fee of ₹14,999, with no annual fee from the second year onwards. Interest rates on outstanding balances are 3.83% per month, translating to approximately 46% per annum, as of 2026.
| Metric | Value (Rs.) | Details |
|---|---|---|
| Joining Fee | ₹14,999 | One-time fee for the Pinnacle World Credit Card. This fee is often offset by welcome benefits like gift vouchers. |
| Annual Fee | ₹0 | No annual charges are levied from the second year onwards for the Pinnacle World Credit Card. |
| Interest Rate (Monthly) | 3.83% | Per month interest rate charged on unpaid balances, as of 2026. |
| Interest Rate (Annual) | 46% | Equivalent per annum interest rate on outstanding credit card balances, as of 2026. |
| Effective Fees (GST) | ₹2,700 | Approximate GST outgo on the joining fee (18% of ₹15,000). |
| Forex Markup Fee | 3.5% | Charged on foreign currency transactions, as a percentage of the transaction amount. |
| Fuel Surcharge Waiver | 1% | Waiver on fuel surcharge for transactions between ₹400 and ₹4,000 at any petrol pump in India. |
| Reward Point Redemption Value | ₹0.75 | Value of 1 Reward Point when redeemed against statement cash. |
| Reward Point Redemption Fee | ₹118 | ₹100 + GST for each redemption processed through the IndusMoments portal. |
| Lounge Access Fee (International) | Up to US$35 | Per person per visit, billed to the card, after exhausting complimentary Priority Pass visits. |
| Pinnacle Card Selling Price (Pre-2020) | ₹50,000 | Historical selling price of the card before significant revisions in 2020. |
Understanding these charges helps in evaluating the overall cost-effectiveness of the IndusInd Bank Pinnacle Credit Card for your spending habits.
Pinnacle Card: Reward Points
The IndusInd Bank Pinnacle Credit Card offers accelerated reward points on online transactions, with 2.5x points on online shopping and 1.5x points on online travel bookings. Each reward point holds a redemption value of ₹0.75 when converted to statement cash, as of 2026.
| Category | Reward Points Earned | Redemption Value |
|---|---|---|
| Online Shopping (MasterCard) | 2.5x reward points (2.5 points per ₹100 spent) | 1 RP = ₹0.75 (against statement cash) |
| Online Travel & Airline Bookings | 1.5x reward points | 1 RP = ₹0.75 (against statement cash) |
| Offline Spends | 1% reward points | 1 RP = ₹0.75 (against statement cash) |
| General Spends | Reward points on every swipe | 1 RP = ₹0.75 (against statement cash) |
| Fuel Transactions | No reward points (effective April 1, 2018) | N/A |
| Rent Payment Transactions (via third-party merchants) | Capped at 500 reward points per statement cycle (w.e.f. January 3, 2023) | 1 RP = ₹0.75 (against statement cash) |
| Maximum Reward Points Redemption (Cash Credit) | 7,500 reward points per statement cycle | 1 RP = ₹0.75 |
| Maximum Reward Points (Overall) | 25,000 reward points per statement cycle | 1 RP = ₹0.75 |
Cardholders can maximize benefits by using the card for online purchases, where the accelerated reward structure provides significant value compared to offline transactions.
Pinnacle Card: Lounge Access
The IndusInd Bank Pinnacle Credit Card offers complimentary lounge access, including one international visit per calendar quarter via Priority Pass and one domestic visit per calendar quarter within India. Domestic lounge access from July 2026 onwards requires a minimum spend of ₹1,50,000 in the preceding quarter.
| Type | Visits per Quarter | Conditions (2026) |
|---|---|---|
| International Lounge Access (Priority Pass) | 1 complimentary visit | Effective March 13, 2025, applicable outside India. |
| Domestic Lounge Access | 1 complimentary visit | Spend criteria tracking initiated April 1, 2026, to unlock access from July 2026 quarter onwards. Minimum spend of ₹1,50,000 in a quarter for access in the next quarter. |
| Domestic Lounge Access (MasterCard) | Not specified | Subject to a nominal swipe fee of ₹25 for MasterCard cardholders. List of lounges may change without notice. |
| Domestic Lounge Access (Visa) | Not specified | Subject to a nominal swipe fee of ₹2 for Visa cardholders. |
| Travel Plus Membership | VIP access | Complimentary membership for VIP access to airport lounges. |
Cardholders can access over 1,300 airport lounges worldwide through the Priority Pass membership, their travel experience.
Pinnacle Card: Eligibility Criteria
IndusInd Bank sets specific eligibility criteria for the Pinnacle Credit Card, focusing on financial stability and credit history. Applicants must meet requirements for age, income, and CIBIL score to qualify for this premium card.
Meeting these criteria is for a smooth application process and approval for the IndusInd Bank Pinnacle Credit Card.
- Age: Applicants must be between 21 and 60 years old.
- Income: A stable income source is required, with specific minimum monthly income thresholds set by the bank.
- Credit Score: A strong CIBIL score, generally above 750, significantly improves approval chances.
- Employment Status: Both salaried and self-employed individuals are eligible, provided they meet income and documentation requirements.
- Residency: Applicants must be residents of India with a valid Indian address.
- Documentation: Required documents include Aadhaar, PAN, address proof, income proof (salary slips or ITR), and bank statements for the past three months.
IndusInd Bank evaluates each application based on these factors to ensure the card is extended to eligible individuals.
Pinnacle Card: Application Process
Applying for the IndusInd Bank Pinnacle Credit Card involves a straightforward process, typically taking 4 to 5 business days for approval. Applicants must meet specific eligibility criteria and submit required documents to the bank.
The bank assesses your financial profile, including income and existing credit history, to determine card issuance.
- Online Application: Visit the official IndusInd Bank website and to the credit cards section. Select the Pinnacle Credit Card and complete the online application form with personal and financial details.
- Branch Application: You can visit any IndusInd Bank branch in India. Collect the application form, fill IT accurately, and submit IT along with all necessary documents to a bank representative.
- Required Documents: Prepare your Aadhaar card, PAN card, address proof, and income proof. This includes bank statements from the past three months, recent salary slips, or your most recent Income Tax Return (ITR).
- Existing Credit Card Holders: If you hold a credit card from another bank, providing its details can also support your application. This helps the bank assess your creditworthiness.
- Processing Time: After submitting your application, the bank typically processes IT within 4 to 5 business days. You will receive updates regarding your application status via SMS or email.
Ensure all submitted documents are valid and up-to-date to avoid delays in the application process.
Pinnacle Card vs SBI Cashback
The IndusInd Bank Pinnacle Credit Card offers 1.8% effective cashback on online spends, while the SBI Cashback Card provides a higher 5% cashback on most online transactions. Pinnacle also includes benefits like complimentary lounge access and movie offers, which are not specified for the SBI Cashback Card.
| Feature | IndusInd Pinnacle | SBI Cashback Card |
|---|---|---|
| Cashback on Online Spends | 1.8% (effective, from 2.5X reward points) | 5% |
| Joining Fee | ₹14,999 | Not specified |
| Annual Fee | Nil (from second year onwards) | Not specified |
| Fuel Surcharge Waiver | 1% (transactions ₹400 to ₹4,000) | Not specified |
| Movie Benefits | Buy 1 Get 1 offer (three times a month) | Not specified |
| Lounge Access | 1 complimentary international lounge visit per quarter (Priority Pass, outside India); 1 complimentary domestic lounge visit per quarter (within India, spend criteria from April 2026) | Not specified |
| Interest Rate (per month) | 3.83% | Not specified |
| Reward Point Value (against cash) | ₹0.75 per 1 Reward Point | Not specified |
Pinnacle Card: Contact & Support
IndusInd Bank offers multiple channels for Pinnacle Credit Card holders to access support and manage their accounts. This includes 24×7 phone banking, dedicated email support for general queries, and specific email IDs for card closure or mis-selling complaints.
| Service | Contact Details | Notes |
|---|---|---|
| Customer Care (Phone Banking & Credit Cards) | 1860 267 7777 (24×7, within India), +91 22 68577777 / 022 4220 7777 (International) | Accessible via toll-free 1800 266 0447 for Banking and Credit Card services. Direct Connect is available from registered mobile numbers. |
| Email Support (General Queries & Concerns) | priority.care@indusind.com | For all queries and concerns related to the Pinnacle Credit Card. |
| Credit Card Closure Request | Creditcard.closure@indusind.com | Email to initiate the closure of your Credit Card account. |
| Credit Card Mis-selling Complaints | CCsalescomplaint@indusind.com | To raise any complaint regarding Credit Card mis-selling practices. |
| Application Processing Time | 4 to 5 business days | Typical processing duration after submitting the application form and required documents. |
| Concierge Service | 24×7 availability | Dedicated concierge support for cardholders. |
The bank aims for a 4-5 business day processing time for new card applications, ensuring quick access to card benefits.
Key Takeaways
- IndusInd Bank provides 24×7 phone banking support for Pinnacle Credit Card queries, including international numbers.
- Dedicated email channels exist for specific needs like general inquiries (priority.care@indusind.com) and card closure requests (Creditcard.closure@indusind.com).
- New Pinnacle Credit Card applications typically process within 4 to 5 business days after document submission.
For detailed information or to apply, visit the official IndusInd Bank website or your nearest branch.
Frequently Asked Questions (FAQs)
What are the main benefits of the IndusInd Bank Pinnacle Credit Card in 2026?
The IndusInd Bank Pinnacle Credit Card offers accelerated reward points on online shopping and travel, complimentary golf games and lessons, and movie ticket offers. Cardholders also receive complimentary domestic and international lounge access, subject to spending criteria from April 1, 2026. You can earn 2.5x reward points on online transactions and 1.5x on online travel bookings.
What are the fees for the IndusInd Bank Pinnacle Credit Card in 2026?
The IndusInd Bank Pinnacle Credit Card has a one-time joining fee of ₹14,999. There are no annual charges for this card. The interest rate charged on outstanding balances is 3.83% per month, or 46% per annum.
Does the IndusInd Bank Pinnacle Credit Card offer lounge access in 2026?
Yes, the IndusInd Bank Pinnacle Credit Card provides complimentary lounge access. As of March 13, 2025, cardholders get one complimentary international lounge visit per calendar quarter via Priority Pass. From July 2026, complimentary domestic lounge access will be subject to meeting specific spending criteria, tracked from April 1, 2026.
What is the reward point value for the IndusInd Bank Pinnacle Credit Card?
Reward points earned with the IndusInd Bank Pinnacle Credit Card can be redeemed against statement cash at a rate of 1 Reward Point = ₹0.75. This allows for direct monetary savings on your credit card bill. You earn 2.5x reward points on online transactions and 1.5x on online travel and airline bookings.
What golf privileges does the IndusInd Bank Pinnacle Credit Card offer?
IndusInd Bank Pinnacle Credit Card holders receive one complimentary golf game and one golf lesson per month. These privileges are hosted at leading golf clubs across India. This benefit provides access to exclusive golf courses and clubs.
Are there any fuel surcharge waivers with the IndusInd Bank Pinnacle Credit Card?
Yes, the IndusInd Bank Pinnacle Credit Card offers a 1% fuel surcharge waiver. This waiver applies when you use the card to purchase fuel at any petrol station across India. This helps reduce costs on fuel expenses.
What welcome benefits does the IndusInd Bank Pinnacle Credit Card provide?
The IndusInd Bank Pinnacle Credit Card offers several welcome benefits, including a complimentary stay gift voucher at Montblanc India, valid for six months. You also receive a complimentary shopping voucher from partners like Bata or Pantaloons, and a Luxe gift card worth ₹5,000. , a complimentary Postcard hotel gift voucher is included.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.