Skip to content
COFFERCards. Points. Value.
IndusInd Bank Pinnacle Credit Card
IndusInd Bank

IndusInd Bank Pinnacle Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹15,000 to join.

Annual fee

₹0

Nil

What it gives back

PoS, MoTo, IVR transactions and Standing instructions: ₹100 spent = 1 reward point.

Read from 6 IndusInd Bank documents, last checked 19 Oct 2026.

Apply on IndusInd Bank
How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

  • Joining fee

    ₹15,000 to join.

  • Annual fee

    ₹0Nil

  • Add-on card fee

    ₹0

Welcome offer

  • Welcome benefit

    Welcome gift under Pinnacle Welcome (Montblanc, The Postcard Hotel, Vouchagram, Vouchagram Premium), only applicable on select fee plan

Rewards

  • Reward rate

    PoS, MoTo, IVR transactions and Standing instructions: ₹100 spent = 1 reward point.

  • Fuel earning

    Fuel transactions will not accrue reward points.

  • Online earning

    E-commerce transactions ₹100 spent = 2.5 reward points.

  • Travel earning

    E-com travel and airline transactions ₹100 spent = 1.5 reward points.

  • Reward caps

    Reward Points on Rent payment transactions done through third-party merchants capped at 500 in a statement cycle.

  • Airline and hotel partners points may move to

    Airline Miles on Krisflyer; Maharaja Points for Maharaja Club.

Card benefits

  • Domestic lounge access

    1 complimentary visit in each calendar quarter; spends criteria tracking will be initiated to unlock complimentary domestic lounge access from July, 2026 quarter onwards

  • International lounge access

    ONE complimentary international lounge visit in each calendar quarter through Priority Pass, outside India.

  • Priority Pass

    A special Priority Pass membership for you and your partner.

  • Golf

    1 complimentary game and 1 complimentary lesson per month.

  • Concierge

    Call our concierge desk at 1860 267 7777

  • Movie or entertainment ticket benefit

    Buy one movie ticket and get the second one free; Avail up to three free tickets in a month

Also included

  • Fuel surcharge waiver

    Enjoy a waiver of 1% on fuel surcharge at any fuel station in the country.

  • Lost card liability

    Insurance cover up to 48 hours prior to you reporting the loss of your card

  • Travel insurance

    Lost baggage ₹1,00,000, Delayed baggage ₹25,000, Loss of passport ₹50,000, Lost ticket ₹25,000, Missed connection ₹25,000.

Charges

  • Forex markup

    3.5% on foreign currency transactions.

  • Dynamic currency conversion markup

    1%1% Fee + GST

  • Cash advance fee

    2.5% of the advance amount subject to a minimum of ₹300

  • Interest on unpaid balance

    3.83% Monthly Rate, 46.00% Annual Rate.

  • Interest-free period

    Up to 50 days

  • Late payment fee

    Nil to ₹1,300 by outstanding balance (₹1,300 above ₹50,000)

  • Over-limit fee

    2.5% of Over Limit Amount, subject to a minimum of ₹500

  • Payment return or dishonour fee

    Returned payments: ₹250

  • Statement or duplicate statement fee

    Duplicate physical statement request: ₹100 per statement (beyond last 3 months)

  • Card replacement fee

    Re-issue/Replacement: ₹100 for All Other Credit Cards.

  • Education / school fee charge

    1% Fee + GST on the cumulative spends on education payments made through third-party websites and applications more than ₹45,000 in a statement cycle

  • Reward redemption fee

    For Cash Redemption — ₹149 w.e.f 1st April 2025. For all other category Redemption — ₹100

  • Wallet load charge

    1% Fee + GST on the cumulative spends on wallet loading transactions more than ₹20,000 in a statement cycle

  • Fuel transaction fee

    1% Fee + GST on cumulative fuel transactions exceeding ₹50,000 in a statement cycle

  • Rent transaction fee

    1% Fee + GST levied on each transaction

  • Utility transaction fee

    1% Fee + GST on the cumulative spends on utility payments transactions more than ₹25,000 in a statement cycle

  • GST note

    GST: at the current rate, as notified by Ministry of Finance, Government of India

  • Grace days after the due date

    Grace period of 3 days is allowed from the payment due date on Credit Card Accounts, where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.

  • Minimum amount due

    100% of EMI amount + 100% of GST + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Retail Spends/Cash Advance/remaining balance outstanding

Eligibility

  • Income requirement

    For salaried individuals: ₹10 lakh per annum; For self-employed: ₹12 lakh per annum.

  • Documents required

    KYC Documents: Pan card, Aadhaar card and photograph is mandatory. For salaried individuals: Last 3 month’s bank statement, Last 3 month’s salary slip or other bank’s credit card details. For self-employed individuals: Latest copy of ITR or other bank’s credit card details

In the terms, not the brochure

  • Whether carrying a balance ends the interest-free period

    Interest free credit period is applicable only if all previous dues are paid in full, and there is no unpaid balance carried over from previous month's statement outstanding dues

How we know

6 documents from IndusInd Bank, checked 19 Oct 2026.

  • Credit Card Cardholders Agreement7 Oct 2026Proof
  • Fees and charges pageProof
  • MITCProof
  • Card terms and conditionsProof
  • Reward points termsProof
  • Lounge access termsProof

On these lists

Apply on IndusInd Bank

₹0 for life

Apply