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IndusInd Bank Pinnacle Credit Card Review

As per Infilate, The IndusInd Pinnacle Credit Card has been intended for those who enjoy living a life of luxury. It is a full package for everyone who enjoys an opulent lifestyle, whether it be through travel, special golf privileges, or unique experiences. The super-premium IndusInd Bank Pinnacle Credit Card was created with high net worth customers in mind. The card is ideal for clients looking for opulent advantages, notably across the travel and entertainment categories, and is offered for a membership fee of Rs. 12,999. In accordance with Infilate, If you are willing to spend a high annual cost for premium features, you might want to think about acquiring this card. Let’s look through the card’s qualities and advantages in more detail.

Receive Special Welcome Bonuses

  • With your card, receive the following joining benefits: Have the chance to explore a pleasant experience at one of the many fancy hotels owned by Maharaja Hotels.
  • Utilize Genesis Luxury Vouchers to gain access to 14 global brands.

Gain more money with a great rewards programme.

The following are the ways that holders of the IndusInd Bank Pinnacle Credit Card can accrue rewards points:

  1. For every Rs. 100 spent on shopping online, travel, and airline transactions, you’ll get 5 reward points. 
  2. For every Rs. 100 spent on utility bill payment online, you’ll earn 1 reward point. 
  3. For every Rs. 100 spent on POS transactions, you’ll earn 5 reward points.

The card provides a rather versatile redemption benefit that allows for the conversion of collected points into miles, cash, or redeemed in comparison to goods from the incentives program. The following options exist for redeeming rewards:

• 1:1 conversion to cash credit,

• conversion to Vistara Points or InterMiles; 

• redemption against gift cards and products from the rewards catalogue

Golf Benefits: With this card, cardholders are eligible for two free rounds of golf and four free lessons each month. You can also take advantage of unlimited tunnel assurance worth Rs. 20,000.

Offer from BookMyShow: Pinnacle card holders can take advantage of BookMyShow’s “Buy One Get One” movie ticket promotion. Each ticket may only receive a maximum discount of Rs. 200. In a month, 3 free tickets are available.

Lounge Access: The card also comes with a free Priority Pass membership that entitles you to two complimentary visits per calendar quarter to global lounges. Additionally, your Primary Card entitles you to one complimentary domestic lounge access each quarter. As a member of the Priority Pass Program, you receive special waivers on lounge usage fees outside of India in adding to Exclusive membership at 700+ airport lounges throughout the world.

Concierge Service: Call the 24-hour concierge service to make reservations for travel and lodging, tickets to sporting events and other events, delivery of gifts, and other services.

Cardholders can additionally benefit from a Travel Premium Subscription worth Rs. 5,000. They can use this to completely avoid paying the lounge admission cost on up to 8 trips per year.

Fuel Surcharge Waiver: At any gas station in India, you will not be required to pay the 1% surcharge. 

Only purchases worth Rs. 4000 are subject to this waiver.

Cardholders can also make use of special auto support services for flat tyres, roadside repairs, keys stuck inside, urgent fuel delivery, battery help, crisis transportation support, accident management, and medical aid.

Get free insurance coverage against lost or delayed baggage, a lost passport, a misplaced ticket, etc. with travel insurance. 

The following details the scope of coverage:

• One lakh rupees for lost luggage

• Delay in receiving baggage

• Rs. 50,000 for passport theft

• Lost ticket: 25,000 rupees;

• Connection missed: Rs. 25,000

• Up to Rs. 25 lakh in private air misfortune coverage

The IndusInd Pinnacle Credit Card has drawbacks.

The IndusInd Pinnacle Credit Card allows you to There are a few things to watch out for:

• Even if you’re not using your Indusland bank pinnacle credit card, you will still be required to pay the hefty yearly cost of Rs. 12,999.

Only the affiliation and a certain number of foreign visits are free under Priority Pass Program. Once your free visits are exhausted, you will need to pay for everyone.

• The card does not offer a joining or yearly fee waiver facility.

• As a platinum credit card, there are very few category-specific offers and advantages.

• There are no shopping promotions or reasonable fuel expense waivers.

Who should apply for a Pinnacle credit card from IndusInd Bank?

For those who travel frequently, the IndusInd Bank Pinnacle credit card is great who desire to stay in upscale lodging. The card includes Oberoi gift certificates that can be redeemed at a few of the Maharaja Hotels around the world. More than 700 locally and abroad airport lounges are also accessible with the card.

Eligibility requirements


• The applicant must be older than eighteen years of age.

• The applicant should not be more senior than 60.


• 10 lakh per year for those who are salaried

• 12 lakh per year for independent contractors

For those who are salaried

• The latest three months capital of bank accounts

• Paystubs from the preceding three months or information about credit cards from another bank.

commercial or independent

• A recent ITR copy or credit card data from another bank.

Documentation is necessary.

• For KYC, a PAN card, an Aadhaar card, and a photo are needed.

• If your physical address is different from the one listed on the Aadhaar card, you’ll need to provide other appropriate address proofs, such as a voter ID, a driver’s licence, a passport, etc.

• Income documentation

To sum up

As per Infilate, you would anticipate from a high-end credit card, the IndusInd Pinnacle Credit Card offers multiple categories of advantages, including travel, golf, incentives, and others. Although charging an annual charge of Rs. 12,999, there seem to be a number of restrictions put on these advantages that cause dissatisfaction. This card would work for you if you are a heavy spender who spends a lot of money on travelling and shopping online. For instance, if you spend Rs. 20 lakh digitally each year, in addition to the welcome coupons you receive, then get Rs. 50,000 in cashback, which is a respectable breakeven point compared to the fee imposed. Otherwise, a number of credit cards with far cheaper fees offer respectable travel, retail, and entertainment advantages.


Cashback and Rewards:- According to Infilate, IndusInd Pinnacle credit card is just one of those that was unaffected by Covid-19 whenever it comes to end-user rewards. This is due to the fact that, unlike the majority of other premium credit cards, you can use your loyalty points for bill credit instead of trip redemptions.

Charges and fees:- According to Infilate, The extra lifestyle features are absent on a Mastercard with this charge range. But once more, it makes sense since you only have to pay the joining fee.

Qualifications:- According to Infilate, Previously, because of the pricey membership, it only felt right for big spenders.

, however, it is now accessible with more reasonable fee alternatives and favourable incentives.

Overall:- As per Infilate, it’s a respectable credit card for people who frequently shop online and need a simple and speedy redemption option.

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