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IndusInd Bank Pinnacle Credit Card
88/100
IndusInd Bank
Premium lounge access with no annual fee
Credwiser Score 88/100

IndusInd Bank Pinnacle Credit Card

IndusInd Bank • Premium lounge access with no annual fee

A premium IndusInd Bank card with accelerated points on online purchases and a strong lounge proposition across domestic and international airports. There is no annual fee in the official MITC, but the joining fee is high, so value depends on using the welcome and travel benefits.

Annual Fee (+ 18% GST)₹0 (Lifetime Free)
Fee WaiverNo annual fee (one time joining fee applies; see MITC details)
Joining PerkWelcome vouchers from luxury brands after payment of the joining fee, as described in official product coverage
Primary Reward2.5 Reward Points per ₹100 spent on online purchases, as listed on the official IndusInd lounge access blog
Airport Lounge Access4 Domestic Lounge visits per year and 8 international lounge visits per year, with access to 700+ lounges as listed officially
Forex Markup3.5% + 18% GST
RuPay UPINo
Best ForOnline shoppers and travellers who can pay a high one time joining fee for no annual fee thereafter

What We Like

  • 8 international and 4 domestic lounge visits in a year as listed officially
  • 2.5 Reward Points per ₹100 on online purchases
  • No annual fee in the official MITC fee table

Watch Out

  • High joining fee of ₹15,000 in the MITC, ₹5,000 for Grande customers with conditions
  • Forex markup is a standard 3.5% plus GST
  • Best reward rate is focused on online purchases

MITC & Hidden Charges

Annual fee ₹0. The official MITC lists Pinnacle joining fee ₹15,000 and annual fee NIL, and Pinnacle for Grande Customers joining fee ₹5,000 if the ₹50,000 spend condition in the first 90 days is not met. Foreign currency markup for cards not specifically listed, including Pinnacle, is 3.5% plus GST. Annual fee with GST is ₹0 because the annual fee is NIL.

IndusInd Bank Pinnacle Credit Card FAQs

Does Pinnacle have an annual fee?

No. The official MITC lists Pinnacle annual fee as NIL. The joining fee is listed as ₹15,000, or ₹5,000 for Grande customers subject to the stated spend condition.

How many lounge visits does Pinnacle offer?

The official IndusInd blog lists 8 complimentary international lounge visits and 4 domestic lounge visits in a year for Pinnacle.

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