Pinnacle
Annual Fee
₹15,000
Rewards/₹100 ⓘ
₹5.00
Interest Rate
42.00%
Credit Score
750+
At a Glance
Key Benefits
5X rewards, 1 RP = Rs 1, unlimited domestic lounges, 1.5% forex, golf & spa access
Lounge Access
Unlimited domestic + 12 international lounges/year
Eligibility
Invite only, HNI customers with Rs.2L+/month income
Quick Details
Reward Structure
All Spends
Reward Calculator
Milestone Benefits
Luxe gift card or Oberoi stay or brand vouchers
Spend ₹0
value
Airport Lounge Access
visits
Unlimited domestic lounge access
visits per year
12 international lounge visits per year
Insurance Coverage
Air Accident
₹1,00,00,000
Travel booked with card
Travel
₹25,00,000
International travel
Lost Card
₹3,00,000
Within 7 days of reporting
Lifestyle Perks
Movies
3 /month
BOGO on BookMyShow (up to Rs 200 off)
Golf
2 /month
Golf game + lesson on Rs 25K spend
Roadside Assist
Auto Assist Service
Quick Analysis
Great value for e-commerce and entertainment with no recurring fees.
Pros
- No renewal fee after Rs 15K joining. Priority Pass membership. 2.5X on e-commerce. BOGO movies up to Rs 600/month. Monthly golf benefits. Rs 1 Cr air accident cover
Cons
- High Rs 15K joining fee. Only 1 intl lounge visit/quarter from Mar 2025. 3.5% forex markup. Redemption cap 7,500 points/month
Best For
E-commerce shoppers, travelers, movie enthusiasts, golfers
Not Ideal For
Budget spenders, those avoiding one-time fees
Frequently Asked Questions
What is the annual fee for IndusInd Pinnacle?
How many reward points per Rs.100 on travel?
What lounge access does IndusInd Pinnacle offer?
Does IndusInd Pinnacle have golf benefits?
What is the forex markup on IndusInd Pinnacle?
User Reviews
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