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Last updated: 01-06-2026
IndusInd Bank Pinnacle Credit Card
Indusind Bank

IndusInd Bank Pinnacle Credit Card

"IndusInd's super-premium card โ€” unlimited global lounge access including Centurion Lounges, unlimited golf worldwide and โ‚น3 crore air accident cover"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น60,000 + GST
๐Ÿ”„ Renewal Fee
โ‚น30,000 + GST
Waived: Renewal fee waived on spending โ‚น25 lakh or more in the preceding membership year
๐ŸŽฏ Best Suited For
Ultra-high-net-worth individuals who travel internationally frequently; those who value unlimited global lounge access including Centurion Lounges, unlimited golf worldwide and dedicated concierge at the highest tier
๐ŸŽ Reward Type
IndusMiles (transferable to 10+ airline and hotel partners; 1 IndusMile = 1 airline mile on most partner programmes)
๐ŸŽ‰ Welcome Benefit
Premium welcome gift equivalent to joining fee offset โ€” luxury vouchers, hotel stays and airline credits; check current welcome package on IndusInd Bank website
๐Ÿ’ฐ Reward Rate
2.5 IndusMiles per โ‚น100 on travel and hotel spends; 1 IndusMile per โ‚น100 on all other eligible retail spends; earns on utilities, insurance, education; excludes fuel and cash advances; IndusMiles valid 3 years
โœˆ๏ธ Lounge Access
Unlimited domestic and international airport lounge access at 1,000+ lounges worldwide including American Express Centurion Lounges; complimentary Priority Pass with unlimited access for primary and add-on cardholders
๐Ÿ’ฑ Forex Markup
1.8% on international transactions
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โœ… Pros
  • Unlimited global lounge including Centurion Lounges
  • Unlimited golf worldwide
  • Low forex markup 1.8%
  • Air accident cover โ‚น3 crore
  • Dedicated relationship manager
  • IndusMiles transferable to 10+ airline partners
โŒ Cons
  • Very high joining fee โ‚น60,000
  • Renewal fee โ‚น30,000
  • Renewal waiver requires โ‚น25L annual spend
  • Invitation or relationship-based access
  • Verify all current benefits on IndusInd Bank website

๐ŸŽ Rewards & Benefits

Reward Type
IndusMiles (transferable to 10+ airline and hotel partners; 1 IndusMile = 1 airline mile on most partner programmes)
Welcome Benefits
Premium welcome gift equivalent to joining fee offset โ€” luxury vouchers, hotel stays and airline credits; check current welcome package on IndusInd Bank website
Reward Rate
2.5 IndusMiles per โ‚น100 on travel and hotel spends; 1 IndusMile per โ‚น100 on all other eligible retail spends; earns on utilities, insurance, education; excludes fuel and cash advances; IndusMiles valid 3 years
Reward Redemption
IndusMiles transferable to 10+ airline and hotel partners; cash credit; vouchers via IndusMoments portal; 1 IndusMile = 1 partner mile on most programmes
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
Unlimited domestic and international airport lounge access at 1,000+ lounges worldwide including American Express Centurion Lounges; complimentary Priority Pass with unlimited access for primary and add-on cardholders
Spend Based Fee Waiver
Renewal fee waived on โ‚น25 lakh annual spend
Milestone Benefits
Renewal fee waived on โ‚น25 lakh annual spend; high-value milestone benefits including luxury vouchers and airline credits โ€” check current structure on IndusInd Bank website
Other Benefits
Unlimited golf at premium courses worldwide; dedicated relationship manager; 24x7 premium concierge; air accident cover โ‚น3 crore; emergency evacuation; luxury hotel benefits (room upgrades, complimentary breakfast); airport meet and assist; priority phone banking

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (unlimited; unlimited for add-on too)
Insurance Cover
Air accident death cover โ‚น3 crore; emergency medical evacuation; comprehensive travel insurance; zero card liability
Add-on Cards
Premium add-on cards with full lounge access
Concierge Services
24x7 dedicated luxury concierge; relationship manager; private banking services
Special Offers
Unlimited global lounge including Centurion Lounges; unlimited golf worldwide; 1.8% forex markup; dedicated relationship manager

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น60,000 + GST
Annual Fee / Renewal Fee
โ‚น30,000 + GST
โœ“ Waived on: Renewal fee waived on spending โ‚น25 lakh or more in the preceding membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
2.5% per month (30% per annum) โ€” lower for super-premium cardholders
ATM Cash Withdrawal / Cash Advance
Reduced charges for super-premium cardholders
Late Payment Charges
As per IndusInd Bank premium cardholder terms
Over Limit Charges
As per IndusInd Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
1.8% on international transactions
Other Charges
Very high joining fee โ‚น60,000; renewal โ‚น30,000; by invitation or relationship-based; verify current benefits and fee structure on IndusInd Bank website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
By invitation or for top IndusInd Bank customers; net monthly income โ‚น10 lakh+; strong banking relationship; apply via IndusInd Bank website or relationship manager
Credit Score Requirement
800+ CIBIL recommended; invitation-based
Credit Limit
Very high โ€” typically โ‚น20 lakh and above

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available; flexible tenures
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per IndusInd Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via IndusMobile app; 24x7 premium helpline
Instant Fraud Alerts
Real-time alerts; dedicated fraud monitoring
Purchase Protection
Comprehensive protection; zero liability
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
Dedicated premium helpline (24x7) โ€” check card for number
Chat / Email Support
Dedicated relationship manager; IndusMobile premium support
Mobile App
IndusInd IndusMobile app: premium card management, IndusMiles tracking
Online Banking
Full management via IndusInd Bank premium NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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