Key Highlights of Indusind Bank Pinnacle Credit Card

Joining FeesRs. 12999 + Taxes
Annual FeeNil
Best Suited ForTravel & Shopping
Welcome BenefitsSelect one from a Luxe card, complimentary Oberoi hotel stay, or vouchers from Hush Puppies, BATA, Titan, Pantaloons, Raymond.
RewardsUp to 2.5 Reward Points per Rs. 100 spent
Forex Fee3.5%
Net Income

For Salaried - Rs. 10 Lakh per annum

For Self-employed - Rs. 12 Lakh per annum

Features & Benefits of IndusInd Pinnacle Credit Card

The IndusInd Pinnacle Credit Card offers a lavish array of features and benefits: earn lavish rewards on purchases, enjoy "Buy 1 Get 1" movie deals, access plush airport lounges globally, indulge in complimentary golf sessions, and revel in luxury hotel stays. It's the quintessential card for discerning spenders seeking premium experiences in leisure, travel, and entertainment.

Welcome Benefits:

As a new member of Indusind Pinnacle credit card program, you are greeted with an array of exquisite welcome gifts to choose from:

  • A 6-month valid voucher for a luxurious experience at Oberoi hotels, with the flexibility to utilize up to two vouchers in a single transaction, elevating your stay to a new level of indulgence.
  • Experience Montblanc, a brand that epitomises craftsmanship and quality par excellence. You can choose from an exquisite collection of watches, stationery, jewellery, leather goods and eyewear from one of the most premium brands in the world.
  • A shopping spree awaits with our handpicked partner retailers like Bata, Pantaloons, Charles & Keith, and Hush Puppies, among others, providing a perfect opportunity to indulge in a retail therapy session.
  • A Luxe gift card, pre-loaded with Rs. 5,000, ready to unlock a world of premium shopping experiences across a variety of luxury brands, redeemable incrementally until the card's value is fully utilized.
  • A special Postcard hotel voucher, adding to the suite of hospitality privileges, ensuring your travel experiences are always wrapped in comfort and luxury.

Movie Privileges:

IndusInd Pinnacle Credit Card transforms your cinematic experience by offering:

  • A coveted “Buy 1 Get 1” movie ticket offer, valid three times per month, ensuring that your movie outings are always enjoyed with a companion, capped at Rs. 200 per usage.
  • An exclusive 20% discount on non-movie events booked through BookMyShow, up to Rs. 200, enriching your entertainment experiences beyond the silver screen.

Airport Lounge Benefits of Indisind Pinnacle Credit Card:

  • Complimentary Priority Pass membership granting privileged access to over 1,300 airport lounges globally, along with two free international lounge entries each quarter, ensuring a serene start to your journeys.
  • Enjoy a serene respite from the bustle of travel with one complimentary visit to domestic lounges every quarter through the Mastercard lounge program.
  • Any additional lounge visits via the Priority Pass will be billed at $27 per visit, ensuring a cost-effective way to relax and recharge during your travels.

Golf Advantages:

  • Four complimentary golf lessons monthly, allowing you to refine your skills under the guidance of professional instructors at some of the most prestigious golf courses in India.
  • Two complimentary golf games each month, offering the perfect blend of leisure and sport, and a chance to experience the lush greens and fairways of select top-tier golf courses across the country.

These curated benefits are designed to enhance not just your lifestyle but also provide a touch of luxury to your everyday engagements, whether it's through travel, shopping, or entertainment.

Insurance Benefits

CategoryInsurance Coverage
Accidental air deathRs. 25 lakhs
Lost ticket/missed connectionRs. 25,000
Loss of passportRs. 50,000
Lost baggageRs. 1 lakh
Delayed baggageRs. 25,000

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver for transactions ranging from Rs. 400 to Rs. 4,000 at any petrol pump in India.

Earning Reward Points with IndusInd Pinnacle Credit Card 

  • Accumulate 2.5 rewards for each Rs. 100 spent on online purchases.
  • Gain 1.5 rewards for every Rs. 100 on online travel expenses.
  • Receive 1 reward point for every Rs. 100 spent on all other transactions.

Redeeming Reward Points with IndusInd Pinnacle Credit Cards

Utilize your IndusInd Bank reward points for a variety of exciting redemption possibilities through Indusmoments. Here's how much value each option can offer you:

  • Cash Credit: Every reward point you earn equals Re. 0.75, letting you offset your credit card statement directly with your points.
  • InterMiles: Transfer your reward points on a 1:1 basis to InterMiles, perfect for frequent flyers looking to save on their next journey.
  • Club Vistara Points: Convert points 1:1 to Club Vistara Points, enhancing your travel with Vistara's rewarding flying experience.

Please note, that the redemption of reward points is capped at 25,000 per statement cycle, allowing you to strategically plan and maximize your benefits.

How to redeem points using Indusind Pinnacle World Credit Card?

All you need to do to redeem your reward points is to visit www.indusmoments.com and place a request for redemption of your choice.

Fee and Charges of Indusind Bank Pinnacle Credit Card

Interest Charge3.83 per month ( 46% per annum)
Late Payment Charges

Outstanding Balance 

Upto Rs.100 - Nil 

Between Rs.101‑ Rs. 500 – Rs.100 

Between Rs. 501-Rs.1,000 – Rs.350 BetweenRs.1001-Rs.10,000– Rs.550 Between Rs.10,001-Rs.25,000 - Rs.800 Between Rs.25,001-Rs.50,000 - Rs.1100 Above Rs.50,000 - Rs.1300

Add-on Card FeeNil
Cash Advance Charges2.5% of cash advance subject to a minimum charge of Rs 300
Forex Charges3.5%

Indusind Bank Pinnacle World Credit Card Eligibility Criteria

The eligibility criteria for the IndusInd Bank Pinnacle Card are as follows

AgeAbove 21 years

For Salaried - Rs. 10 Lakh per annum

For Self-employed - Rs. 12 Lakh per annum

Credit ScoreDecent credit score (750 or above)

Documents Required for Indusind Pinnacle Credit Card

When applying for the IndusInd Pinnacle World Credit Card, you'll need to submit the following:

KYC Documentation:

  • PAN card
  • Aadhaar card
  • Recent photograph (mandatory)

Address Verification:

If your current address differs from the one on your Aadhaar, provide Voter ID, Driving License, or Passport as additional proof.

Proof of Income:

  • For Employed Applicants:
    • Bank statements from the past three months.
    • Recent salary slips or proof of holding another bank's credit card.
  • For Self-Employed Applicants:
    • The most recent ITR or details of another bank's credit card.

All documents must be self-attested. For support with credit card documentation, contact our helpdesk at 1860 267 7777.

How to Apply for Indusind Pinnacle Credit Card?

Applying for the IndusInd Pinnacle Credit Card is a straightforward process, with options to apply both digitally and in person. Here’s how you can proceed:

For an In-Person Application:

  • Stop by the nearest IndusInd Bank branch.
  • Fill out the credit card application form with the necessary information.
  • Submit the form along with the required documents.

For an Online Application:

  • Click on the ‘Apply Now’ link for the Pinnacle Credit Card and navigate to the official IndusInd Bank website. 
  • Enter all the requisite personal and financial details in the application form.
  • Upload scanned copies of the necessary supporting documents.
  • Follow the instructions on the website to complete the application process.

Remember to keep your documents handy for a smooth application experience.

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Indusind Pinnacle Credit Card FAQs

Is there any fuel benefit with the pinnacle card?


The IndusInd Pinnacle Credit Card typically offers a waiver on fuel surcharge, though the exact terms may vary. It's best to check the latest cardholder agreement or promotional materials for current benefits.

What reward can I get with this card?


With the Pinnacle Card, you can earn reward points on all your spends, often with higher rewards on online transactions. These points can be redeemed for cash credit, InterMiles, and Club Vistara Points, among other options.

What is the Indusind Pinnacle Credit Card customer care number?


The customer care number for IndusInd Pinnacle Credit Card holders is typically provided on the bank's official website or on the back of your credit card. As of my last update, it is 1860 267 7777, but it's advisable to verify the number from the bank's official communication to ensure it's current.

What is the minimum limit of an Indusind Pinnacle Credit Card?


The minimum credit limit of an IndusInd Pinnacle Credit Card is not publicly disclosed as it can vary based on the applicant's credit profile, income, and other factors determined by the bank at the time of application.

Is there any hidden charge?


Credit cards usually come with various fees and charges that are detailed in the cardholder agreement. It's crucial to read this document carefully to understand all potential charges, including annual fees, late payment fees, cash advance fees, and others that might be considered "hidden" if not reviewed thoroughly.

What is the penalty if I miss a credit card bill?


If you miss a payment on your credit card bill, the bank will typically charge a late payment fee. The amount can vary based on the outstanding balance and the bank's policy. Additionally, interest will accrue on the unpaid amount, and missing payments can negatively impact your credit score.

What kinds of welcome gifts can I choose from with the IndusInd Pinnacle World Credit Card?


Upon joining, you can select from a range of welcome gifts including luxury hotel vouchers, shopping vouchers from premium brands, and exclusive gift cards.

How does the 'Buy 1 Get 1' movie ticket offer work on the Pinnacle Credit Card?


Cardholders can avail themselves of this offer on BookMyShow, up to three times a month, with certain terms and conditions applied.

What airport lounge access privileges come with this credit card?


The card provides complimentary Priority Pass membership, granting access to international lounges, along with a set number of free visits to domestic lounges per quarter.

Are there any golf benefits associated with the IndusInd Pinnacle Credit Card?


Yes, cardholders enjoy complimentary golf games and lessons every month at select golf courses across India.

Is international spending rewarded on the Pinnacle World Credit Card?


The card’s reward program typically includes international transactions, but it's best to check current terms for any specific bonuses or conversion rates for international spends.

How do I apply for the IndusInd Pinnacle World Credit Card?


Applications can be made online on the IndusInd Bank website or by visiting a bank branch. You’ll need to provide necessary documents as part of the KYC process.

Can I use my IndusInd Pinnacle Credit Card overseas?


Yes, the card is designed for international use. However, be sure to check the charges for foreign transactions and currency conversion fees.

How can I track my reward points balance?


You can monitor your reward points through the IndusInd Bank's internet banking portal or by contacting customer service for an update.

What should I do if my IndusInd Pinnacle World Credit Card is lost or stolen?


Immediately report the loss to IndusInd Bank's customer service to block your card and request a replacement.