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The IndusInd Bank Pinnacle Credit Card is designed to offer you a range of travel and lifestyle benefits. These include luxurious stays at premium properties, complimentary golf memberships, access to airport lounges (both domestic and overseas), gift vouchers and attractive rewards, etc. 

 

So, if you are looking for a credit card that is extremely rewarding, the IndusInd Bank Pinnacle Credit Card is an ideal option. Read on to know the benefits and charges of this credit card.

IndusInd Bank Pinnacle Credit Card Benefits and Features

The Pinnacle Credit Card by IndusInd Bank comes with a host of features and benefits to make transactions more rewarding. Some of the IndusInd Bank Pinnacle Credit Card benefits are listed below:

  • Welcome benefits

You get attractive welcome gifts, such as gift vouchers from Bata, Vero Moda, ALDO, Titan, William Penn, etc., when you apply for an IndusInd Bank Credit Card. You also get a complimentary stay at your favourite Oberoi Hotel in the country.

  • Attractive Rewards

You earn 2.5 reward points for every ₹100 spent on e-commerce transactions and 1.5 reward points for every ₹100 spent on e-commerce travel and airlines. You also earn 1 reward point for every ₹100 spent on e-com utility, PoS, MoTo, IVR transactions, and standing instructions.

  • Free Movie Tickets

When you buy one movie ticket, you get another movie ticket (worth up to ₹200) free of cost on the BookMyShow platform up to three times a month.

  • Complimentary Lounge Visits

The Priority Pass Membership available on the Pinnacle Credit Card gives you access to over 700 lounges globally. You get two complimentary access to airport lounges at international locations in a calendar quarter (8 free visits in a year). 

 

Enjoy 1 complimentary access to domestic airport lounges in a calendar quarter (4 free visits in a year).

  • Pinnacle Golf Program

You also get access to the comprehensive golf program with free golf games and lessons at some of the prominent golf courses in the country.

  • Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver (for transactions between ₹400 and ₹4,000) when you use your IndusInd Bank Pinnacle Credit Card for purchasing fuel.

  • Assurance

Avail safe and secure, cashless transactions using the ‘Total Protect' program that covers you at par with your card’s credit limit. The benefit is available on IndusInd Bank Pinnacle add-on cards, too.

  • Concierge Service

The 24x7 concierge service offers you pre-trip assistance, such as help with hotel reservations, flight bookings, ticket bookings for sports and entertainment events, etc.

  • Travel Insurance

You also enjoy travel insurance for delayed/lost baggage, lost passports, lost tickets, or missed connecting flights.

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IndusInd Bank Pinnacle Credit Card Fees and Charges

Here are the fees and charges associated with the IndusInd Bank Pinnacle Credit Card.

Type of Charge

Amount

Joining fee

₹14,999

Annual fee

Nil

Interest charge

3.83% per month/ 46% per year

Cash withdrawal charges

2.5% of the withdrawal amount or ₹300, whichever is higher

Add-on credit card fee

Nil

Late payment charges

  • Nil - for outstanding balance up to ₹100

  • ₹100- for outstanding balance between ₹101 and ₹500

  • ₹350- for outstanding balance between ₹501 and ₹1,000

  • ₹550- for outstanding balance between ₹1,001 and ₹10,000

  • ₹800- for outstanding balance between ₹10,001 and ₹25,000

  • ₹1,100- for outstanding balance between ₹25,001 and ₹50,000

  • ₹1,300- for outstanding balance above ₹50,000

Over limit charges

2.5% of the over-limit amount (minimum ₹500)

Returned cheque charges

₹250

Foreign currency mark-up

3.5%

Cash payment fee

₹100

Re-issue/ Replacement of credit card

₹100

Duplicate statement request charge (beyond the last 3 months)

₹100 per statement

Disclaimer: The above fees and charges are subject to change at the bank’s discretion.

IndusInd Bank Pinnacle Credit Card Eligibility Criteria and Documents Required

To apply for the card, you should have a good credit score and a stable source of income. Here are the eligibility parameters to meet and the documents to submit before applying for the card:

1. Eligibility Criteria for the IndusInd Bank Pinnacle Credit Card

  • You must be at least 21 years of age

  • Salaried individuals must earn a minimum of ₹10 Lakhs per annum

  • Self-employed individuals must earn a minimum of ₹12 Lakhs per annum

2. Documents Required for the IndusInd Bank Pinnacle Credit Card

  • Identity Proof: PAN card, Aadhaar card, colour photograph, voter’s ID, driving licence or passport in the absence of an updated Aadhaar card

  • Income documents for salaried individuals:

  • Last 3 month’s bank statement

  • Last 3 month’s salary slip or other bank’s credit card details

  • Income documents for self-employed individuals:

  • Latest copy of ITR

  • Latest statement of any other bank’s credit card

How to Apply for an IndusInd Bank Pinnacle Credit Card?

Once you have evaluated the different IndusInd Bank credit card types and decided on the one for yourself, it is time to apply for the same. Please note that IndusInd Bank credit cards are not available on Bajaj Markets. 

 

However, you can apply via the bank’s official website. Alternatively, you can apply offline by calling the IndusInd Bank credit card customer care or visiting your nearest IndusInd Bank branch.

How to Contact IndusInd Bank Pinnacle Credit Card Customer Care?

If you are an Indian resident and have any queries or unresolved grievances concerning your IndusInd Bank credit card, you can contact the IndusInd Bank Credit Card customer care at 1860 267 7777. If you are an international customer, you can call credit card customer care at 022 4406 6666 or 022 4220 7777.

Cards Similar to the IndusInd Bank Pinnacle Credit Card

Here are a few credit cards that are similar to the IndusInd Bank Pinnacle Credit Card.

Credit Card

Annual Fee (Excluding Taxes)

Premium Highlight

IndusInd Bank Legend Credit Card

Nil

Priority Pass program, discounted Forex markup, concierge service, insurance coverage of up to ₹25 Lakhs

IndusInd Bank Platinum Master Credit Card

Nil

Gift cards from global brands, complimentary golf lessons, Total Protect and Air Accident cover

IndusInd Bank Platinum Aura Edge 

Nil

Access 600+ international airport lounge, concierge service, customisable rewards program

Disclaimer: The charges are subject to change at the issuer’s discretion.

 

If you plan to get this credit card, all you have to do is check if you meet the eligibility terms. After that, submit the essential documents and apply for the card on Bajaj Markets hassle free. 

DISCLAIMER

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, trade names, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on the IndusInd Bank Pinnacle Credit Card

What is the IndusInd Bank Pinnacle Credit Card limit?

The IndusInd Bank Pinnacle Credit Card limit is decided by the bank based on a number of factors, such as your credit history, credit score, income parameters, age, employment type, etc.

What is the IndusInd Bank Pinnacle Credit Card eligibility?

Here are the eligibility criteria that you must meet when applying for the IndusInd Bank Pinnacle Credit Card. You need to be at least 21 years old and earn a minimum of ₹10 Lakhs per annum if you are a salaried individual. As a self-employed individual, your total annual income needs to be ₹12 Lakhs per annum. 

What is the minimum salary requirement to get the IndusInd Bank Credit Card?

To apply for the IndusInd Bank Pinnacle Credit Card, you must have an annual income of at least ₹10 Lakhs if you are a salaried individual. Self-employed individuals must have an income of at least ₹12 Lakhs per annum.

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