IndusInd Bank Pinnacle Credit Card Review

Indusind Bank has launched a credit card targeting the customers who like to have a low-cost lifestyle credit card, the card is named Indusind bank Pinnacle credit card. It has benefits on traveling, lifestyles, movies, etc. The cardholders can use the privileges of the card such as welcome gifts, reward points, lounge access, offers on movies, freedom from fuel surcharge, golf privileges, concierge services, etc. Let’s discuss the benefits of the card in detail. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 65 yrs. 
    • Income: ₹10 lakh annually. 
  • For self-employed person:
    • Age: 18 to 65 yrs. 
    • Income: ₹12 lakh annually.
  • Good CIBIL Score (750 or more).
  • Good Relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹12,999 + GST 
  • Annual Fee: None. 


  • Welcome benefit:

With the issuance of the card, you will get some gift vouchers from Oberoi hotels, Montblanc, Vouchagram, etc. as a welcome gift. 

  • Reward benefit:

If you spend Rs.100 on offline shops then you will get 1 reward point.

You will get 2.5 reward points for the same on shopping via an e-commerce site. 

This card also offers 1.5 reward points for each ₹100 spend on e-commerce travel and airline. 

You can convert your reward points into cash, 1 reward point = ₹1 

  • Lounge access:

With your IndusInd Bank Pinnacle Credit card you will be able to get 2 free lounge accesses per quarter by priority pass membership.

  • Movie benefit:

When you buy a movie ticket from BookMyShow you will get another completely free. You can avail yourself of up to 3 free tickets in a month. 

  • Golf benefit:

With the help of this card, you will get 2 complimentary golf games per month. You will also get 4 complimentary golf lessons per month.

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharge, this offer is applicable at any fuel stations in India. The transaction amount should be between ₹400 to ₹4,000. 

  • Insurance coverage:

This card comes with ₹25 lakh coverage for air accidental death, ₹1,00,000 coverage against lost baggage, ₹50,000 coverage against lost passport, and a ₹25,000 coverage for lost tickets.  

  • Concierge service:

This card comes with a 24×7 active concierge service which can help the cardholders when they need it for their travel booking, movie ticket booking, hotel reservation, etc.


  • Cash Withdrawal Charge: 2.5% against the withdrawal amount. 
  • Finance Charge: 3.38% monthly
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1860-267-7777

Mail: [email protected] 

100XGain Ratings:


Final Opinion:

If you want a budget credit card that offers premium benefits like lounge and golf access, concierge service, etc. then this card can be a good option for you. It also offers some exclusive benefits like 2.5 reward points for each ₹100 transactions, 3 free movie tickets per month, golf and lounge access, etc. 

Although, this card charges ₹25,000 as a joining fee, afterward it is free for the lifetime. So if you can use this card properly it can be a good deal for you. But if you want a more premium lifestyle credit card then you can go for the HDFC Diners Club Black Credit Card or HDFC Infinia Credit Card, although it is an invite-only credit card.  

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