Pinnacle Credit Card

Joining Fee

₹2,000

Annual Fee

Rs. 2000 + Taxes

Lifestyle
Travel
Rewards
Best For: Frequent travellers, Golf enthusiasts, Movie buffs, Lifestyle spenders seeking premium perks

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

No reward points on fuel transactionsReward points on rent payment transactions via third-party merchants capped at 500 per statement cycleRewards program revised for select merchant categories

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

Expert Review

Our Verdict

Premium lifestyle & travel card with golf privileges, lounge access, and movie benefits for the discerning spender.

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