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.

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.

Frequently Asked QuestionsAbout Pinnacle Credit Card

BENEFITSWhat welcome benefits do I get with the IndusInd Bank Pinnacle Credit Card?
As a new Pinnacle Credit Card holder, you receive welcome gift vouchers from top brands through Vouchagram and Vouchagram Premium, offering discounts from brands like Amazon, Flipkart, Zee5, Apollo Pharmacy, Uber, Ola, and more. You also get access to an exclusive Montblanc experience and The Postcard Hotel luxury collection. Please note that welcome gifts are applicable only on select fee plans. Terms and conditions apply.
BENEFITSHow many complimentary golf games and lessons do I get per month?
Effective 13th March 2025, IndusInd Bank Pinnacle Credit Card holders are eligible for 1 complimentary golf game and 1 complimentary lesson per month at select leading golf clubs across India. This benefit is brought to you by IndusInd Bank in conjunction with Apexlynx. Additionally, you receive complimentary Hole in One Insurance worth ₹20,000. You can book your complimentary golf games and lessons by visiting the dedicated booking link on the IndusInd Bank website. Terms and conditions apply.
BENEFITSWhat is the movie ticket offer available on the Pinnacle Credit Card?
With the IndusInd Bank Pinnacle Credit Card, you can enjoy a Buy 1 Get 1 Free offer on movie tickets through BookMyShow. You can avail up to 3 free tickets per month. The offer is valid on all theatres registered with BookMyShow across major cities. Please note that the price of the free ticket is capped at ₹200. If the ticket price is higher than ₹200, you will receive a ₹200 discount and must pay the remaining amount using your Pinnacle Credit Card.
BENEFITSHow many international lounge visits do I get with the Priority Pass?
Effective 13th March 2025, Pinnacle Credit Card holders are eligible for ONE complimentary international lounge visit in each calendar quarter through Priority Pass, outside India. The Priority Pass programme provides access to 1,400+ lounges across the world. The annual Priority Pass membership value is approximately $198 (approx. ₹9,900) for two memberships. Visit the Priority Pass website to find the list of participating international lounges.
BENEFITSWhat domestic airport lounge access benefits does the Pinnacle Credit Card offer?
The IndusInd Bank Pinnacle MasterCard Credit Card provides access to domestic and international airport lounges in India. Cardholders receive complimentary lounge visits per quarter. Effective 1st April 2026, spends criteria tracking will be initiated to unlock complimentary domestic lounge access from the July 2026 quarter onwards. Lounges offer gourmet meals, comfortable seating, free Wi-Fi, widescreen televisions, and bar services. Please check the IndusInd Bank website for the updated list of eligible domestic lounges.
BENEFITSWhat travel insurance coverage is included with the Pinnacle Credit Card?
The Pinnacle Credit Card, in partnership with ICICI Lombard General Insurance Company Limited, offers comprehensive travel insurance coverage including: Lost Baggage up to ₹1,00,000; Delayed Baggage up to ₹25,000; Loss of Passport up to ₹50,000; Lost Ticket up to ₹25,000; and Missed Connection up to ₹25,000. This coverage is designed to protect you from unexpected travel disruptions and unplanned expenses during your journeys. Terms and conditions apply.
BENEFITSWhat is the Total Protect insurance benefit on the Pinnacle Credit Card?
Total Protect is a first-of-its-kind insurance programme that covers you for an amount equal to your full credit limit on the card. It is also available on add-on cards. Total Protect covers: unauthorized transactions in case of loss or theft of your card (including coverage up to 48 hours prior to reporting the loss), and counterfeit fraud, where your card details may be stolen to produce counterfeit cards. This benefit ensures your cashless transactions remain safe and secure.
REWARDSHow do I earn reward points on the Pinnacle Credit Card?
You can earn reward points on the IndusInd Bank Pinnacle Credit Card as follows: E-commerce transactions earn 2.5 reward points per ₹100 spent; E-commerce travel and airline transactions earn 1.5 reward points per ₹100 spent; and PoS, MoTo, IVR transactions, and Standing Instructions earn 1 reward point per ₹100 spent. Please note that fuel transactions do not accrue reward points effective 1st April 2018, and reward points on rent payments through third-party merchants are capped at 500 per statement cycle effective January 3, 2023.
REWARDSHow can I redeem my reward points on the Pinnacle Credit Card?
Pinnacle Credit Card reward points can be redeemed through multiple options: IndusMoments (product and voucher catalogue), Pay with Rewards (use points for purchases), Airline Miles on KrisFlyer (Singapore Airlines), Maharaja Points for Maharaja Club (Air India), and Cash Credit to your account. Please note that Club Vistara Airmiles redemption was discontinued effective 31st October 2024, and InterMiles redemption was discontinued effective 21st January 2025. Visit the IndusInd Bank website for the step-by-step redemption guide and terms and conditions.
REWARDSAre there any restrictions on earning reward points on certain transactions?
Yes, there are a few restrictions on reward points accumulation for the Pinnacle Credit Card. Fuel transactions do not earn any reward points effective 1st April 2018. Reward points on rent payment transactions made through third-party merchants are capped at 500 reward points per statement cycle, effective January 3, 2023. Additionally, from 1st August 2019, the rewards programme was revised for select merchant categories. It is recommended to check the IndusInd Bank website for the full list of excluded or capped categories.
FEESWhat are the joining and annual fees for the Pinnacle Credit Card?
The IndusInd Bank Pinnacle Credit Card is a premium card and its fee structure is not publicly listed on the standard page. The card is categorised as a premium offering. Welcome gifts and certain benefits may be applicable only on select fee plans. We recommend contacting IndusInd Bank directly at 18602677777 or visiting your nearest IndusInd Bank branch for the most current and personalised fee information applicable to your profile.
APPLICATIONHow can I apply for the IndusInd Bank Pinnacle Credit Card?
You can apply for the IndusInd Bank Pinnacle Credit Card online through the official IndusInd Bank website by clicking the 'Apply Now' button on the Pinnacle Credit Card page. You can also apply by visiting your nearest IndusInd Bank branch or by calling customer care at 18602677777. The bank offers a 100% digital process with instant approval for eligible applicants. Ensure you meet the eligibility requirements before applying.
INTERNATIONALCan I use the Pinnacle Credit Card for international transactions?
Yes, the IndusInd Bank Pinnacle Credit Card is a Mastercard and can be used for international transactions across the globe wherever Mastercard is accepted. The card also provides access to international airport lounges via Priority Pass (1 complimentary visit per quarter outside India) and comprehensive international travel insurance coverage. For specific forex markup charges applicable on international transactions, please contact IndusInd Bank customer care at 18602677777 or visit the bank's charges and fees section.
DOCUMENTSWhat documents are required to apply for the Pinnacle Credit Card?
While specific documents required for the Pinnacle Credit Card are not listed on the page, typical documents required for a premium credit card in India include: identity proof (Aadhaar card, PAN card, or passport), address proof (utility bills, Aadhaar, or passport), recent passport-sized photographs, and income proof (salary slips, bank statements, or ITR for self-employed applicants). It is advisable to check with IndusInd Bank directly or visit your nearest branch for the exact document requirements applicable to your profile.
CANCELLATIONHow can I cancel or close my Pinnacle Credit Card?
To cancel or close your IndusInd Bank Pinnacle Credit Card, you can contact IndusInd Bank customer care at 18602677777 or visit your nearest IndusInd Bank branch. You may also log in to IndusInd Bank Net Banking or the INDIE mobile app to initiate a closure request. Before cancellation, ensure all outstanding dues are cleared and any unused reward points are redeemed, as they will expire upon card closure. The bank may require a written request or identity verification to process the closure.

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