What is the annual fee for IndusInd Pinnacle Credit Card?

The card has ₹0 annual fee, making it perpetually free to hold. However, the joining fee is ₹15,000, which gets offset by the welcome benefit choice (Montblanc, hotel vouchers, or Vouchagram credits).

How to apply for IndusInd Pinnacle Credit Card?

You can apply directly through IndusInd Bank's website or visit a branch with your KYC documents. Compare offers and apply via OnePaisa to track approval status and negotiate pre-approved limits.

What rewards does IndusInd Pinnacle Credit Card offer?

Earn 2.5% Reward Points on all purchases across categories. Points accumulate across spends and can be redeemed for travel, shopping, or statement credits based on IndusInd's redemption catalog.

What are the eligibility criteria for IndusInd Pinnacle Credit Card?

Eligibility criteria including age, income, and credit score requirements are not publicly detailed. Contact IndusInd Bank directly or check their website for current qualifying criteria, as these vary by region and profile.

Does IndusInd Pinnacle Credit Card offer airport lounge access?

Yes, the card includes Priority Pass membership plus 4 complimentary domestic lounge visits annually. This covers airports across India and select international lounges via Priority Pass network.

Is IndusInd Pinnacle Credit Card worth it?

The ₹15,000 joining fee is justified if you value the luxury welcome gift, use 4+ domestic lounges yearly, and spend regularly to accumulate 2.5% rewards. Best for high-spenders who leverage travel perks; less valuable for those with minimal lounge or travel needs.

LifestylePremiumMastercardVisa

IndusInd Pinnacle Credit Card

Flat 2% rewards on every purchase, no category limits

Annual fee₹0

Rewards2.50%2.5 Reward Point per ₹100

Forex markup3.5%

Check Eligibility →or apply directly on IndusInd Bank's website ↗

Secure · Free · No spam calls

Welcome benefits

Choice of welcome gifts including Montblanc products, Postcard Hotel voucher, Vouchagram vouchers, or Vouchagram Premium vouchers

Type: Multiple Options

Rewards

Base earn rate

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

IndusMoments

Excludes: Fuel

Category	Rate	Cap
E-Commerce	—	—
E-Commerce Travel And Airline	—	—
Pos Moto Ivr Si	—	—

Redemption value

IndusMoments: —Pay with Rewards: —Airline Miles on Krisflyer: —Maharaja Points for Maharaja Club: —Cash credit: —

• Redemption fee: ₹100

Lounge access

Domestic

4visits / year

Max 1 per quarter

View partner lounges →

International

Priority Pass

1complimentary visits

Membership value USD 99

Fees & charges

Joining fee: ₹15,000
Annual / renewal fee: ₹0
Interest rate: 3.83% per month (46% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹300
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹250
Forex markup: 3.50%
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver

View official MITC →

Insurance covers

Fraud liability

Total Protect covers you for the following: Unauthorised transactions in case of loss/theft of card: We provide an insurance cover up to 48 hours prior to you reporting the loss of your card. Counterfeit fraud: There is a possibility of your card or card details to be stolen and misused to produce counterfeit cards. We offer you insurance to protect you against such incidents.

Baggage loss

₹1L

Eligibility

Income (salaried): For salaried individuals: ₹ 10 lakh per annum. For self-employed: ₹ 12 lakh per annum
Income (self-employed): ₹12L/year

Employment types

SalariedSelf-Employed

Required documents

Pan card (mandatory)
Aadhaar card (mandatory)
Photograph (mandatory)
Address proof (if different from Aadhaar): voter's ID, driving license, passport
Last 3 month's bank statement (salaried)
Last 3 month's salary slip or other bank's credit card details (salaried)
Latest copy of ITR or other bank's credit card details (self-employed)