IndusInd Pinnacle Credit Card

IndusInd Pinnacle Credit Card

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What Is An IndusInd Pinnacle Credit Card?

**Disclaimer: IndusInd Bank is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only.

 

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 Pinnacle credit card would not disappoint. To know more about the card, take a look at the IndusInd Pinnacle credit card review below.

Key Highlights about the IndusInd Pinnacle Credit Card

  • It is a lifetime free credit card.

  • Reward points on spends across categories such as e-commerce, travel, etc.

  • Free Priority Pass membership.

  • Comprehensive insurance benefits

  • fuel-surcharge waiver

  • Private golf lessons and insurance worth ₹23,000

  • 2 complimentary golf sessions at select clubs.

  • Complimentary movie tickets three times a month.

What are the IndusInd Pinnacle Credit Card Benefits & 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-com travel and airlines. You also earn 1 reward point for every ₹100 spent on e-com utility transactions and 1 reward point for every ₹100 spent on 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 BookMyShow. You can avail the offer up to three times in 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). You also get 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 and breath-taking 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.

What are the IndusInd Bank Pinnacle Credit Card Fees and Charges?

Type of Charge

Amount

Joining fee

₹12,999

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 ₹10,000 and ₹25,000

₹1,100- for outstanding balance between ₹25,000 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 last 3 months)

₹100 per statement

IndusInd Pinnacle Credit Card Rewards

The reward points are offered on all types of spends except fuel transactions.

  • 2.5 reward points for every ₹100 spent on e-commerce transactions.

  • 1.5 reward points for every ₹100 spent on e-com travel and airlines.

  • 1 reward point for every ₹100 spent on e-com utility transactions.

  • 1 reward point for every ₹100 spent on PoS, MoTo, IVR transactions, and standing instructions.

The accrued reward points can be redeemed for gift vouchers from Indus Moments, Airline Miles on InterMiles or Vistara, and cash credit. A maximum of 25,000 reward points can be redeemed as cash credit in a particular statement cycle. You can log in to your IndusInd Bank net banking credit card account or mobile app to redeem the reward points.

IndusInd 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. The precise eligibility criteria would be communicated to you at the time of applying for the card.

Eligibility Criteria for IndusInd Pinnacle Credit Card

  • The eligibility criteria for getting an IndusInd Bank credit card are as follows:

  • You must be a minimum of 21 years of age

  • You must be less than 60 years or the retirement age, whichever is earlier

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

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

  • You must have completed at least 1 year in your current organisation.

Documents Required for IndusInd Pinnacle Credit Card

  • PAN card.

  • Aadhaar Card.

  • Coloured photograph.

  • Voter’s ID, driving license or passport, etc. (in absence of updated Aadhaar Card)

  • Income documents for salaried individuals:

  1. Last 3 month’s bank statement.

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

  • Income documents for self-employed individuals:

  1. Latest copy of ITR

  2. Latest statement of another bank’s credit card.

How to Apply for an IndusInd 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 the Finserv MARKETS website. However, if you wish to get the best IndusInd credit card online, 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 reach IndusInd Pinnacle Credit Card Customer Care?

If you are an Indian resident and have any queries or unresolved grievances concerning your IndusInd credit card, you can contact the IndusInd credit card customer care on 1860 267 7777. On the other hand, if you are an international customer, you can call credit card customer care on 022 4406 6666 or 022 4220 7777.

Frequently Asked Questions

  • ✔️What is an Indusind Bank Pinnacle credit card?

    The IndusInd Bank Pinnacle credit card is a special credit card that lets you enjoy a host of unique travel, lifestyle, and golf privileges. You also get the opportunity to earn reward points and fuel surcharge waivers which lets you save more.

  • ✔️What is the IndusInd Pinnacle credit card limit?

    The IndusInd Pinnacle credit card limit is decided by the bank based on a number of factors, such as credit history, credit score, etc.

  • ✔️What is the IndusInd Pinnacle credit card eligibility?

    To be eligible for the IndusInd Pinnacle credit card, you must:

    • Be minimum of 21 years of age.

    • Be less than 60 years or the retirement age, whichever is earlier.

    • Earn a minimum of ₹10 lakh per annum if you are a salaried individual.

    • Earn a minimum of ₹12 lakh per annum if you are a self-employed individual.

    • Have completed at least 1 year in your current organisation.

     

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