IndusInd Bank
IndusInd Bank Pinnacle Credit Card
Data last verified: 11 October 2026
- Joining fee₹15,000 + GST
- Annual feeFree
- Reward rate0.75% base, up to 1.88% on online shopping
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹15,000 + GST
- Annual feeFree
- Forex markup3.5%
- Interest (APR)3.83% a month, 45.96% a year
Pinnacle earns 2.5 reward points per Rs 100 on online shopping, which is about 1.9% at 75 paise a point. Online travel and airline spends earn 1.5 points, and other spends earn 1. You also get a free golf game and lesson every month, and buy-one-get-one movie tickets.
The ₹15,000 joining fee is paid once and there is no annual fee after that. If you spend heavily online and play golf, that cost comes back over time. If you mostly swipe in shops, the 0.75% base rate makes it slow to recover.
Priority Pass gives one international lounge visit a quarter for the primary cardholder. The honest catch is the domestic lounge visit now needs Rs 1.5 lakh spend in the previous quarter, and cash redemption carries a fee of Rs 149 plus GST.
Best for: Heavy online shoppers, Golfers, High earners with Rs 83,000+ monthly income, People who prefer a one-time fee.
01IndusInd Bank Pinnacle Credit Card Rewards and Benefits
02IndusInd Bank Pinnacle Credit Card Annual Fee and Charges
- Joining fee
- ₹15,000 + GST
- Annual fee
- Free
- Spend-based waiver
- None
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 3.5%
- Interest rate
- 3.83% a month (45.96% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on online shopping, earning 1.88%₹94
- ₹15,000 on everything else, earning 0.75%₹113
- Back each month, ₹2,484 a year₹207
- In your pocket each year₹2,484
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping: 1.88% back
- Travel: 1.13% back
- Anyone who wants no annual fee, ever
- Flyers: 8 airport lounge visits a year
Skip it if…
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on online shopping: the 1.88% rate applies only there, everything else earns 0.75%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.83% a month (45.96% a year) outweighs any reward
04Product Details
- ₹15,000 joining fee, no annual fee
- 2.5 reward points per ₹100 on online shopping (about 1.9%)
- 1.5 points per ₹100 on online travel and airlines, 1 point on other spends
- 1 international lounge visit a quarter through Priority Pass
- 1 domestic lounge visit a quarter after ₹1.5 lakh spend in the previous quarter
- 1 free golf game and 1 lesson every month
- Buy-one-get-one movie tickets, up to 3 free a month
05Pros and Cons
Pros
- About 1.9% back on online spends
- No annual fee after joining
- Monthly golf game and lesson
- Priority Pass with a free international visit each quarter
Cons
- ₹15,000 upfront cost
- Domestic lounge visit needs ₹1.5 lakh spend in the previous quarter
- Reduced points on utilities, insurance, education and government payments, none on fuel
- 3.5% forex markup
06How IndusInd Bank Pinnacle Credit Card earns Rewards
0.75% base, up to 1.88% on online shopping.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1.88% | No cap | All merchants in the categoryTerms: 2.5 reward points per ₹100 on online/e-commerce spends (excluding airlines, travel and utilities). Points redeem for cash credit at ₹0.75 each, about a 1.9% return on this category. |
| Dining and food delivery | 0.75% | No cap | The card's normal rate |
| Groceries | 0.75% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1.13% | No cap | All merchants in the categoryTerms: 1.5 reward points per ₹100 on online travel and airline transactions |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.53% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.53%) on utility bill payments, the reduced rate from IndusInd's 1 Aug 2019 revision, not the 1-per-₹100 base |
| Rent | 0.75% | ₹375 | All merchants in the categoryTerms: 1 reward point per ₹100 on rent, but capped at 500 points a statement cycle since 3 January 2023. Rent paid through third-party merchants also attracts a 1% + GST fee on each transaction, which more than cancels the earn. |
| Insurance premiums | 0.53% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.53%) on insurance premium payments, reduced rate, 1 Aug 2019 revision |
| School and college fees | 0.53% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.53%) on education institute fees, reduced rate, 1 Aug 2019 revision |
| Wallet top-ups | 0.75% | No cap | The card's normal rate |
| Taxes and government payments | 0.53% | No cap | All merchants in the categoryTerms: 0.70 RP per ₹100 (~0.53%) on government services, charges and payments, reduced rate, 1 Aug 2019 revision |
| Spend abroad or in a foreign currency | 0.75% | No cap | The card's normal rate |
| Everything else | 0.75% | No cap | The card's normal rate |
Terms on the base rate. 1 reward point per ₹100 at point of sale (MOTO, IVR and standing instructions count as POS). Cash-credit redemption is capped at 7,500 points a calendar month and at half your points balance per request; points also transfer to partner airlines at 2:1.
Point value. 1 point is worth about ₹0.75 at the bank's stated value.
07IndusInd Bank Pinnacle Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. Spend Rs 150,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 0.75% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, golf privileges, airport lounge access, movie ticket offers.
- Concierge service: 24x7 global concierge (travel, bookings, gifting) plus Auto Assist roadside help in six metros
- Fuel surcharge waiver: 1% fuel-surcharge waiver on transactions of ₹500 to ₹4,000, capped at ₹500 per billing cycle (w.e.f 5 May 2024). The fuel spend itself earns no reward points.
- Golf privileges: 1 complimentary golf game and 1 golf lesson every calendar month at select Indian clubs (w.e.f 13 March 2025), booked through the IndusInd golf portal, plus Hole-in-One insurance worth ₹20,000 for certified tournaments.
- Airport lounge access: Complimentary Priority Pass. Exactly 1 international visit a calendar quarter is waived for the primary cardholder, US$35 applies within India and for guests. Plus 1 domestic visit a calendar quarter, which from Jul-2026 needs ₹1,50,000 of spend in the previous quarter.
- Movie ticket offers: Buy one movie ticket and get the second free with programme partners, up to three free tickets in a month, with the free ticket capped at ₹200. Value shown is a conservative realistic-usage estimate, not the ₹7,200 ceiling IndusInd quotes.
08IndusInd Bank Pinnacle Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹83,333
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: New 1% surcharge on transport spends above ₹40,000/cycleSource: IndusInd Bank | No transport surcharge | 1% + GST above ₹40,000 per cycle |
| 1 Apr 2026 | Reduced: Domestic lounge access gated behind ₹1.5L quarterly spendSource: IndusInd Bank | 1 complimentary domestic visit per quarter, unconditional | 1 per quarter, only if ₹1,50,000 spent in the previous quarter |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 4 May 2025 | Reduced: New 1% fee on fuel spends above ₹50,000/cycleSource: IndusInd Bank | No bank fee on fuel spends | 1% + GST on cumulative fuel above ₹50,000 per statement cycle |
| 1 Apr 2025 | Reduced: Redemption fee raised to ₹149; 50%-of-balance cap addedSource: IndusInd Bank | No 50%-of-balance cap; lower cash-redemption fee | ₹149 + GST per cash redemption; 50%-of-balance cap; twid fees per transaction |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to IndusInd Bank Pinnacle Credit Card
IndusInd Bank Pinnacle Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Pinnacle Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹15,000 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | Free | ₹999 + GST | ₹999 + GST |
| Rewards | 0.75% base, up to 1.88% on online shopping | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndusInd Bank Pinnacle Credit Card Bill
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Common Questions
Does the Pinnacle card have an annual fee?
No. There is a ₹15,000 joining fee and no annual fee after that.
How much does it earn on online shopping?
2.5 reward points per ₹100, worth about 1.9% when redeemed as cash credit at 75 paise a point.
Is lounge access free?
One international visit a quarter is free for the primary cardholder through Priority Pass. The one domestic visit a quarter needs ₹1.5 lakh spend in the previous quarter.
Who can apply?
Applicants aged 21 to 65 with a monthly income of about ₹83,333.
What is the joining fee for the IndusInd Bank Pinnacle Credit Card?
The joining fee is ₹15,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank Pinnacle Credit Card?
The annual fee is Free.
Does the IndusInd Bank Pinnacle Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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