
Joining Fee
₹2,000
Annual Fee
Rs. 2000 + Taxes
Pinnacle Credit Card
Rewards Structure
Base Reward Rate
1% on spends
Point Value
1 Point = ₹0.25
Pros
- Complimentary golf games and lessons monthly
- Buy 1 Get 1 free movie tickets (up to 3/month)
- International lounge access via Priority Pass
- Comprehensive travel insurance coverage
- Total Protect insurance covering full credit limit
- Welcome gift vouchers from top brands
- Domestic and international airport lounge access
Cons
- Free movie ticket discount capped at ₹200
- Only 1 complimentary international lounge visit per quarter
- No reward points on fuel transactions (effective April 2018)
- Reward points on rent payments capped at 500 per statement cycle
- Spends criteria tracking required to unlock domestic lounge access from July 2026
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Fuel transactions do not accrue reward points (effective 1st April 2018)
Reward points on rent payments via third-party merchants capped at 500 per statement cycle (w.e.f. January 3, 2023)
Movie free ticket value capped at ₹200; higher-priced tickets only get ₹200 discount
Rewards program revised for select merchant categories from 1st August 2019
Domestic lounge access from July 2026 quarter requires spends criteria tracking from April 2026
Welcome gift applicable only on select fee plans
Club Vistara Airmiles redemption discontinued from 31st Oct 2024
InterMiles redemption discontinued from 21st January 2025
Key Benefits & Features
Priority Pass membership (~$198/approx ₹9,900 value) included with card
Welcome gift via Vouchagram: discount vouchers from brands like Amazon, Flipkart, Zee5, Apollo Pharmacy, Uber, Ola (select fee plan)
Vouchagram Premium discount vouchers from multiple premium brands
Montblanc experience: access to exquisite collection of watches, stationery, jewellery, leather goods and eyewear
The Postcard Hotel: luxury hotel reservations across intimate holiday destinations in India
Pinnacle Auto Assist roadside assistance service included
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
About Pinnacle Credit Card
The IndusInd Bank Pinnacle Credit Card is a premium offering designed for those who consider excellence a way of life rather than a choice. Positioned as a lifestyle and travel card, it delivers a luxurious range of privileges across golf, entertainment, travel, and everyday spending. The card is ideal for frequent travellers, golf enthusiasts, movie lovers, and lifestyle spenders who expect the very best from their financial products. Cardholders earn 2.5 reward points for every ₹100 spent on e-commerce transactions, 1.5 reward points on e-commerce travel and airline bookings, and 1 reward point on point-of-sale and other transactions. These points can be redeemed through IndusMoments, Pay with Rewards, airline miles on KrisFlyer, Maharaja Club points, or as a cash credit. The card also offers complimentary golf games and lessons at select courses, buy-one-get-one-free movie tickets, and access to international airport lounges through Priority Pass. Beyond rewards, the Pinnacle Credit Card comes loaded with a suite of premium benefits including Pinnacle Welcome, Pinnacle Travel, Pinnacle Concierge, Pinnacle Auto Assist, and exclusive lifestyle privileges with brands like Montblanc and The Postcard Hotel. Operating on the Mastercard network, this card promises a truly elevated experience for those who refuse to compromise on quality.
Our Verdict
Premium lifestyle & travel card with golf privileges, lounge access, and movie benefits for the discerning spender.
Frequently Asked QuestionsAbout Pinnacle Credit Card
BENEFITSWhat welcome benefits do I get with the IndusInd Bank Pinnacle Credit Card?
BENEFITSHow many complimentary golf games and lessons do I get per month?
BENEFITSWhat is the movie ticket offer available on the Pinnacle Credit Card?
BENEFITSHow many international lounge visits do I get with the Priority Pass?
BENEFITSWhat domestic airport lounge access benefits does the Pinnacle Credit Card offer?
BENEFITSWhat travel insurance coverage is included with the Pinnacle Credit Card?
BENEFITSWhat is the Total Protect insurance benefit on the Pinnacle Credit Card?
REWARDSHow do I earn reward points on the Pinnacle Credit Card?
REWARDSHow can I redeem my reward points on the Pinnacle Credit Card?
REWARDSAre there any restrictions on earning reward points on certain transactions?
FEESWhat are the joining and annual fees for the Pinnacle Credit Card?
APPLICATIONHow can I apply for the IndusInd Bank Pinnacle Credit Card?
INTERNATIONALCan I use the Pinnacle Credit Card for international transactions?
DOCUMENTSWhat documents are required to apply for the Pinnacle Credit Card?
CANCELLATIONHow can I cancel or close my Pinnacle Credit Card?
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