IndusInd Bank Pinnacle Credit Card

IndusInd Bank · Open to apply

An IndusInd card with a one-time joining fee and no annual fee that earns 2.5 reward points per ₹100 online (1.5 on online travel, 1 in shops), each worth ₹0.75 as cash credit, with a monthly golf game and lesson, BookMyShow buy-one-get-one and a lounge visit a quarter in and outside India.

Annual fee
₹0 a year
Joining fee
₹15,000 + GST
Base rate
1 reward point per ₹100 in shops (PoS, MoTo, IVR, standing instructions): 1 IndusInd Reward Points per ₹100 (about 0.75% at cash value)
Lounges
International: 1 visit a calendar quarter; Domestic: 1 visit a calendar quarter after ₹1,50,000 spend
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 2.5 reward points per ₹100 on e-commerce: 2.5 IndusInd Reward Points per ₹100 (about 1.88% at cash value)
  • 1.5 reward points per ₹100 on online travel and airline transactions: 1.5 IndusInd Reward Points per ₹100 (about 1.13% at cash value)

Earns nothing on

  • No reward points on fuel

Terms the calculator does not value

  • Welcome gifts (Montblanc, The Postcard hotel, Vouchagram vouchers) are given only on some fee plans; neither the plans nor the gifts' values are published.
  • The MITC gives the joining fee as "₹15000/ ₹5,000*", lifetime free for Pinnacle Grande and Pioneer Legacy customers; when ₹5,000 applies is not stated. The calculator charges ₹15,000.
  • Golf games and lessons, lounges and BookMyShow offers are not valued.

Sources

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