IndusInd Bank Pinnacle Credit Card
IndusInd Bank · Mastercard
Why this card?
- 1.88% back in reward points on online shopping; 0.75% on other spends
- ₹2,999 joining and annual fee
- 4 domestic and 4 international airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- IndusInd Bank
- Network
- Mastercard
- Annual Fee
- ₹2,999
- Joining Fee
- ₹2,999
- Reward Type
- points
- Best Reward Rate
- 1.88% on online shopping
- Forex Markup
- 3.5%
- Domestic Lounge
- 4/yr
- Min. Monthly Income
- ₹83,333
- Rates verified
- 2026-10-06
Our verdict
IndusInd Pinnacle fills the gap between IndusInd Legend and Indulge — it offers limited lounge access (4 domestic and 4 international visits a year, with domestic visits linked to spend) and lifestyle perks such as golf. Rewards are strongest on e-commerce at 2.5 reward points per ₹100 (about 1.9% back as points), while forex is 3.5%. A reasonable premium card for online spenders and occasional travelers; confirm the fee terms with the issuer.
Pros
- 4 domestic + 4 international lounge visits a year (domestic visits depend on previous-quarter spend)
- 2.5 reward points per ₹100 on e-commerce (about 1.9% back as points)
- Golf rounds add lifestyle value beyond standard travel cards
- Good mid-point between Legend and Indulge for IndusInd loyalists
Cons
- No spend-based fee waiver; confirm the fee terms with the issuer
- Reward rate is only moderate — 2.5 points per ₹100 on e-commerce, 1.5 on e-commerce travel and airline, and 1 on other spends
- 3.5% forex markup limits value for international travel
- International lounge capped at 4 visits — heavy travelers may exhaust quickly
- IndusInd credit limit and underwriting more conservative than HDFC/ICICI