Indusind Pinnacle Credit Card Review

By | March 7, 2021

Indusind Pinnacle is one of the premium card launched by the company for its luxury clients. It was designed keeping high spenders in mind. As this card has spending limit and also had high joining fees. But now this is not the case, now it comes with less joining fees.

This allows you to enjoy luxurious range of travel, lifestyle & golf privileges, and also pay you for your spending.

Here, in this content we have provided you all the details about the card that must be known to you.



Welcome FeeRs.15000+GST
Renewal FeeNil
Welcome Benefitvouchers worth Rs.15000

Very few premium cards come with zero renewal fee. Indusind has set a benchmark by providing this, even after reducing the joining fee.

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Reward Rate

Type of transactionPoints
Rs.100 spend on E commerce transaction2.5 reward point
Rs.100 on E-com travel and airline transactions1.5 reward points
Rs.100 on E-com utility transactions1 reward point
Rs.100 on PoS, MoTo, IVR transactions and
Standing instructions
1 reward point

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Welcome Bonus

  • Luxurious stay at Oberoi Hotels
  • Vouchers form Bata, Vero Moda, Aldo William Penn, Titan & more.
  • Luxe Gift card
  • Buy one get one free movie tickets with BookMyShow on booking with pinnacle card
  • Discount Coupons for digital events like workshop, comedy, live music and more

Travel Bonus

  • Priority Pass Program
Annual MembershipPriority PassAnnual Benefit
Priority Pass Membership$99 x 2$198 (Approx. Rs.9900)
  • Travel Plus Program
Program Travel InsuranceLounge UsageEnrolment FeeAnnual Saving
Travel Plus YesMaximum of 8 lounge usage/year of value $27Rs.5,000 per annumRs.12,960

Pinnacle Concierge

  • Pre-trip assistance
  • Hotel Reservation
  • Flight Booking
  • Sports & Entertainment Booking
  • Exclusive Booking


  • 4 complimentary golf sessions once a month
  • Movie tickets thrice a month
  • Priority pass membership for your partner as well

Pinnacle Lounge Access

International: 2/qtr via Priority Pass
Domestic: 1/qrt via MasterCard

Pinnacle Reward Redemption

The pinnacle credit card is known for its ability to transfer points to cash credit, but you also have other options too, as below:

  1. e-Vouchers via Indus Moments
  2. Airmiles
  3. Cash Credit (1:1)


Your income/ITR should be:

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

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Bottom Line

It is a nice card for those who are much likely to spend in online shopping. The reward points are decent for online shopping. Yet it lacks in other lifestyle features.

As it allows you to convert reward points to statement credit, which helps customer to use their reward points in better way. Conversion of points to cash does not let rewards go waste.

It provides 2.5% of reward rate which is amazing as this reward rate is mostly provided by super premium card. The fee charged by them is also during joining, hence it doesn’t even bother to give it a try.

Along with all these, Indusind provides exclusive banking services to its customers.

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Pinnacle Assistance

  • Call us on 1860 267 7777 from your registered mobile number
  • Email Us at : [email protected]


I have applied for a credit card. How long does it take to get the card?

The processing of credit card Application will take approximately 10 to 15 working days from the date all relevant documents are submitted as per the Bank’s requirement.

Do all purchases attract an interest charge?

No, if your current balance is zero, you have a grace period of up to 50 days (on retail transactions) in which to make your payment. However, cash transactions attract an interest charge from the date of transaction till settlement date. Cash transactions also attract a transaction fee and applicable service charges.

I have two Add-on Credit Card(s), will they also get EMV Chip & PIN Credit Card?

Yes, all linked active Add-On Cardholders will also be issued an EMV Chip & PIN Credit Card

What if I have forgotten my PIN?

If you have forgotten your PIN, please logon to the IndusInd Bank Netbanking portal to generate it instantly or request for a new PIN at our helpline number 1860 267 7777

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