IndusInd Bank Pinnacle Credit Card Review

IndusInd Bank Pinnacle Credit Card Review

The IndusInd Bank Pinnacle Credit Card genuinely represents the best deals and offers. It comes with a slew of features that enhance the customer’s experience. The IndusInd pinnacle credit card comes with a wide selection of travel, leisure, and golf benefits that are custom-tailored to your specialiased preferences.

The bearer is entitled to a variety of benefits, including free cinema tickets, complimentary access to lounges, and more. You get the choice of selecting one of several welcome gifts from a well-curated list. Here is our review of IndusInd Bank Pinnacle Credit Card, where we delve deep into the pros, cons, rewards, cashback, and more. We attempt to answer the question of whether you should get one for yourself or not?

IndusInd Bank Pinnacle Credit Card Review 2022


  • Golf Benefits: This card entitles cardholders to two complimentary golf games and four gratis golf lessons each month. Also available is complimentary Hole-in-One insurance of Rs 20,000.
  • BookMyShow Offer: IndusInd Bank Pinnacle Credit Cardholders can take advantage of BookMyShow’s “Buy One, Get One” offer on movie tickets. Each ticket is eligible for a maximum discount of Rs 200. In a month, you can get up to three free tickets.
  • Lounge Access: The card also comes with a complimentary Priority Pass membership, which entitles you to two complimentary trips to international lounges every quarter. Additionally, your Primary Card entitles you to one complimentary domestic lounge access every quarter. In addition, as part of the Priority Pass program, you’ll have access to 700+ airport lounges throughout the world.
  • Concierge Service: Call 24 hours a day, 7 days a week for travel and hotel reservations, sports and entertainment bookings, gift delivery, and other assistance.
  • Travel Plus Membership: Cardholders can also get a Travel Plus Membership worth Rs 5,000. They can use this to gain a full waiver of the $27 lounge entry cost for up to 8 trips per year.
  • Fuel Surcharge Waiver: You will be exempt from paying a 1% surcharge at any petrol station in India. This waiver is only valid for transactions ranging from Rs 400 to Rs 4000.
  • Auto Assist Service: IndusInd Bank Pinnacle Credit Cardholders can also make use of special vehicle assistance services such as flat tire repair, roadside assistance, key locked inside, emergency fuel supply, battery service, emergency towing assistance, accident management, and medical support.
  • Travel Insurance: Get complimentary travel insurance against lost/delayed bags, lost passports, misplaced tickets, and more. The following is a list of what has covered:
  1. 1 lakh rupees for lost luggage
  2. Baggage delayed costs Rs 25000.
  3. The cost of replacing a passport is Rs50,000.
  4. Rs25,000 for a lost ticket; Rs25,000 for a missed connection
  5. Up to Rs 25 lakh in personal air accident coverage


  • There is an extremely expensive annual charge of Rs 12,999, so even if you don’t use your credit card, you will have to pay it.
  • Only the membership and a limited number of overseas trips are free under the Priority Pass Program. After you’ve used up all your free visits, you’ll have to pay for each one.
  • The card does not offer a joining or yearly fee waiver option.
  • As a premium credit card, there are few category-specific offers and advantages.
  • There are no discounts on shopping and no reasonable reductions in petrol costs.
  • Government services, utility bills, real estate/rental, and insurance premiums are only eligible for 0.7 percent rewards.

 Rewards and cashback

  • 2.5 reward points for every Rs 100 spent on e-commerce transactions (excluding airlines and travel, utility bill payments, insurance premium payments, government services/charges/payments, and education institute fees).
  • For every Rs 100 spent on online travel and airline transactions, you will receive 1.5 reward points.
  • For POS MoTo, IVR transactions, and Standing instructions, 1 reward point for every Rs 100 is earned.
  • Easy Redemption – The card has a rather versatile redemption feature that allows you to convert your accrued points into miles, cash, or things from the rewards catalogue.

Rewards can be redeemed in a variety of ways.

  • In a 1:1 ratio, converted to cash credit.
  • Transferred as Club Vistara points or InterMiles
  • Vouchers and products from the rewards catalogue can be redeemed.

Fees and charges

  • Joining Fee – Rs 12,999
  • Annual Fee – Nil
  • Interest rate – 3.83% per month (46% per annum)

Who should get an IndusInd Bank Pinnacle Credit Card?

The IndusInd Bank Pinnacle credit card is ideal for frequent travellers who want to stay at luxury hotels. The card comes with Oberoi gift coupons that may be used at any of the Oberoi Hotels across the globe. The card also grants entry to over 700 domestic and international airport lounges.

Eligibility criteria


  • The candidate must be at least 18 years old
  • The candidate should not be over 65 years


  • 10 lakh per annum for salaried individuals
  • 12 lakh per annum for self-employed

For salaried employees

  • Bank statement over the previous three months
  • Salary slips from the previous three months or credit card information from another bank.

Business/ self-employed

  • Copy of the most recent ITR or credit card information from another bank.

Documentation required

  • PAN card, Aadhaar card, and photograph are required for KYC.
  • If your communication address differs from that on your Aadhaar Card, other acceptable address proofs include voter’s ID, driver’s license, passport, and so on are required.
  • Documents of income proof


As you’d expect from a premium credit card, the IndusInd Bank Pinnacle Credit Card offers a variety of incentives across travel, golf, rewards, and other categories. Despite demanding a yearly charge of Rs 12,999, these benefits are subject to several restrictions, which can lead to disappointment.

This card is for you if you are a heavy spender who spends a lot of money on travel and online shopping. For example, if you spend Rs 20 lakh online in a year, you will receive Rs 50,000 in cashback in addition to the welcome vouchers, which is a good 2.5% return and helps subset the fees. Other than that, several other cards with lesser fees offer great travel, retail, and entertainment benefits.


Cashback and Rewards: 4/5- When it comes to end-user rewards, the IndusInd Pinnacle credit card is one of the few credit cards that remained unaffected by Covid-19. This is because you can spend your reward points for bill credit rather than travel redemptions, which is not the situation with most other premium credit cards.

Fees and charges: 5/5 With a card with this charge range, the additional lifestyle features are lacking. But, once again, it makes sense because you merely pay the joining cost.

Eligibility: 4/5 Previously, it only made sense for heavy spenders due to the expensive membership charge, but now it’s available with more affordable fee alternatives and welcome incentives.

Overall: 4/5 Overall, it’s a decent credit card for folks who spend a lot of money online and want a quick and easy redemption alternative.

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