Summary
The IndusInd Bank Pinnacle Credit Card is a high-end card for those who appreciate the luxury, rewards, and exclusive benefits. It sports a sleek style with top-notch privileges and, therefore, is the best for high-end users.
One of the biggest highlights is that of a reward points system, through which a cardholder earns 2.5 reward points per ₹100 on any weekday and 1 reward point per ₹100 on weekends for its faster accumulation. Such points can be redeemed to get many options like gift vouchers, travel bookings, and cash back.
The travel benefits of this card include a free Priority Pass membership, which allows access to premium airport lounges worldwide. In addition, the card offers travel insurance coverage for lost baggage, flight delays, and accidents, making travel worry-free.
Introduction
In today’s time, a credit card is not only a means of transaction but has also become an important part of making your life easier and safer. Different banks are trying to meet the needs of the customer with their respective credit card services. Out of all, the news includes IndusInd Bank’s Pinnacle Credit Card. The IndusInd Pinnacle Credit Card is for the one who wishes to have a higher quality of service and other benefits.
IndusInd Pinnacle Credit Card focuses on helping you have great rewards and benefits as well as on controlling your expenses. Through Pinnacle Credit Card, you can not only make your financial transactions easy, but you also get great facilities in travel, shopping, and dining. Keeping the cardholders in mind, it has been equipped with many better features, which give it a premium experience.
Under the Pinnacle Credit Card, you get many benefits, such as great travel insurance, exclusive partnerships with airlines, etc. Apart from this, cardholders also get cashback and other benefits through points and rewards. On every purchase, you get Pinnacle Rewards, which you can redeem for any goods or services in the future.
In today’s article, we will discuss in detail about IndusInd Pinnacle Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of IndusInd Pinnacle Credit Card and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the IndusInd Bank Pinnacle Credit Card?
Credit Card is a premium credit card that offers high-value features and benefits to its customers. It is the most suitable for high-income group customers who wish to make their financial transactions conveniently and securely.
Furthermore, IndusInd Pinnacle Credit Card also offers customers points and rewards that can be redeemed in the form of cashback, gifts, and other benefits in the future. Additionally, IndusInd Bank Pinnacle Credit Card also offers a wide range of discounts and offers, especially on dining, shopping, and travel.
How is the design of the IndusInd Bank Pinnacle Credit Card?
High-end features go along with a sleek and premium design. The card, most likely, is dark and elegant in color with a minimalistic and sophisticated look.
The IndusInd Bank logo is placed on the card neatly, and it carries security with an embedded chip. It, therefore, gives a luxurious feel to be presented. It’s best suited for the exclusive and stylish credit card those people who are fond of.
What are the benefits of the IndusInd Bank Pinnacle Credit Card?
Here are the benefits of real reward points:
1. Reward Points on Spend
- 1.5 reward points per ₹100 spent during the weekdays.
- 1 reward point per ₹100 spent on weekends.
2. Movie & Dining Offer
- Get BookMyShow movie tickets for free tickets, but twice a month.
- Get food offers at any of the popular restaurants across India.
3. Travel Benefits
- Get a complimentary Priority Pass, so that the lounge is free for usage across the airport.
- Get insurance to compensate against losses of luggage, and delayed flight.
4. Fuel Surcharge Waiver
- No fuel surcharge at petrol pumps across India.
5. Concierge Services
- 24/7 assistance for hotel bookings, flight reservations, and more.
What are the fees for the IndusInd Bank Pinnacle Credit Card?
Here is a simple breakup of the Pinnacle Credit Card fees.
Joining Fee | ₹249 + GST (one-time fee when you get the card). |
Annual Fee | ₹249 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an IndusInd Bank Pinnacle Credit Card?
The following are the primary requirements:
- To apply for the IndusInd Bank Pinnacle Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.1 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for IndusInd Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an IndusInd Bank Pinnacle Credit Card?
The documents that you will have to submit to get a Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the IndusInd Bank Pinnacle Credit Card be used?
Here is the list of places where you can use it:
- With the IndusInd Pinnacle Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your IndusInd Pinnacle Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The IndusInd Pinnacle Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the IndusInd Bank Pinnacle Credit Card?
The credit amount you can spend is what you are provided with an IndusInd Pinnacle Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an IndusInd Bank Pinnacle Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the IndusInd Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by IndusInd Bank; for instance, you can choose the IndusInd Bank Pinnacle Credit Card.
- Just hover your cursor on the IndusInd Bank Pinnacle Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest IndusInd Bank branch to apply for the IndusInd Bank Pinnacle Credit Card.
- Request for the credit card application form of the IndusInd Pinnacle Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the IndusInd Pinnacle Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the IndusInd Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an IndusInd Bank Pinnacle Credit Card in 2025 be right?
Yes, getting an IndusInd Bank Pinnacle Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
IndusInd Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
IndusInd Bank Pinnacle Credit Card is much more than a financial tool. It is an excellent way to improve your life experience. The premium features and privileges offered by IndusInd Pinnacle Credit Card have been specially designed for those who wish to enjoy a luxury experience while keeping track of their expenses.
Probably one of the highlights of Pinnacle Credit Card, it boasts brilliant travel insurance during travel time for any possible condition. Moreover, through innumerable airline-based exclusive relationships, one is granted exclusive access to Pinnacle Credit Card perks like lounge complimentary service provision, etc.
Add-ons of discounts and offers on dining and shopping give the charm to IndusInd Bank Pinnacle Credit Card. IndusInd Bank Pinnacle Credit Card aims not only at making transactions easy and secure but also at breathing new life into your lifestyle.
Frequently Asked Questions (FAQ’s)
Que: How many reward points do I get on my IndusInd Bank Pinnacle Credit Card?
Ans: The number of reward points in IndusInd Pinnacle Credit Card changes according to type and amount of purchases. In general, one can earn several reward points on any purchase made on IndusInd Bank Pinnacle Credit Card. These reward points can be accumulated and used as cashback at later times or as rewards or gifts in the future.
Que: Is there travel insurance covered ibyIndusInd Bank Pinnacle Credit Card?
Ans: Yes, there is travel insurance coverage on IndusInd Bank Pinnacle Credit Card. The cover ensures protection in case of any eventuality arising during the trip, such as medical emergencies or issues related to bookings.
Que: Is it possible to make international transactions with IndusInd Bank Pinnacle Credit Card?
Ans: Yes, IndusInd Bank Pinnacle Credit Card also allows an international purchase. You’ll have to check with the bank if it attracts a foreign purchase charge along with its other transaction fees.
Que: How to improve the IndusInd Bank Pinnacle Credit card credit limit?
Ans: You can call the bank to increase the limit of your IndusInd Bank Pinnacle Credit Card. The limit is increased based on the credit profile of the cardholder, his payment history, and other factors.
Que: Is Pinnacle a good credit card?
Ans: The IndusInd Pinnacle credit card is apt for those who travel much and wish for luxurious stays. The card provides Oberoi gift vouchers that can be used to make bookings at several Oberoi Hotels.