IndusInd Bank Pinnacle World Credit Card benefits
- Rewards2.5
points per ₹100 on e-commerce (about 1.9%)
- Rewards1.5
points per ₹100 on travel bookings online
- Lounge4
domestic and 4 international lounge visits a year
- Fees
No annual fee after the joining fee
- Benefit
One golf game and lesson a month
Good to know
- 1 point = ₹0.75 as cash credit
IndusInd Bank Pinnacle World Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Online shopping2.5 reward points per ₹100 on e-commerce spends. | 2.5 points per ₹100 | None |
| Travel1.5 reward points per ₹100 on travel and airline e-commerce spends. | 1.5 points per ₹100 | None |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.75 in the usual redemption.
No rewards on: Fuel. Rent paid through third-party apps earns at most 500 points per statement cycle.
All reward rules
- 1 reward point = ₹0.75 as cash credit, so e-commerce spends give about 1.9% back and shop spends 0.75%.
- Cash redemption is limited to 7,500 points a calendar month. From 1 April 2025, cash-credit redemption costs ₹149 plus GST each time, needs at least 500 points, and you can redeem the lesser of 50% of your points balance or the monthly limit.
- One complimentary golf game and lesson a month.
What the IndusInd Bank Pinnacle World Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.75% | ₹270 |
| Dining and food delivery | ₹2,000 | 0.75% | ₹180 |
| Online shopping | ₹18,000 | 1.88% | ₹4,050 |
| Travel | ₹1,000 | 1.13% | ₹135 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.75% | ₹180 |
| Everything else | ₹3,000 | 0.75% | ₹270 |
| Total | ₹30,000 | ₹5,085 | |
| Renewal fee with GST | None | ||
| You keep | ₹5,085* |
That is ₹3,075 a year more than the Reliance SBI Card PRIME on the same spending.
IndusInd Bank Pinnacle World Credit Card annual fee and charges
- Joining fee
- ₹15,000
- Annual fee
- Free
- Foreign currency markup
- 3.5%
IndusInd Bank's terms list a joining fee of ₹15,000 (₹5,000 on some plans) and no annual fee. Welcome gifts depend on the fee plan. Fees are before GST.
Fuel surcharge: 1% fuel surcharge waiver at fuel stations across India.
IndusInd Bank Pinnacle World Credit Card eligibility
IndusInd Bank's card page does not publish age or income limits. The bank decides when you apply.
The bank alone decides approval and your credit limit.
IndusInd Bank Pinnacle World Credit Card lounge access
4 domestic and 4 international visits a year. Banks often set a spend condition, so read the reward rules above.
1 domestic lounge visit a quarter with the card, and 1 international visit a quarter through Priority Pass. From the July 2026 quarter, domestic visits depend on a spend condition tracked from 1 April 2026.
Is the IndusInd Bank Pinnacle World Credit Card right for you?
A lifetime free card, paying 1.88% on online shopping and an average 0.75% elsewhere.
Good for you if
- You spend a lot on online shopping: the card pays 1.88% back there, against 0.75% on most other spends.
- You want a card to keep for years without paying a yearly fee, which also builds a long credit history.
- You fly a few times a year: it includes 4 domestic and 4 international airport lounge visits a year.
Not for you if
- You want strong rewards on everyday spending: most spends earn 0.75%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to IndusInd Bank Pinnacle World Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| IndusInd Bank Pinnacle World Credit Card | Free | 1.88% | ₹3,645* |
| Reliance SBI Card PRIME | ₹2,999 | 5% | ₹2,160* |
| Axis Bank SELECT Credit Card | ₹3,000 | 2% | ₹60* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the fee for the IndusInd Pinnacle Credit Card?
IndusInd Bank's terms list a joining fee of ₹15,000, or ₹5,000 on some plans, and no annual fee. Fees are before GST.
How much is a Pinnacle reward point worth?
1 point is worth ₹0.75 as cash credit. You earn 2.5 points per ₹100 on e-commerce, 1.5 on travel and airline e-commerce, and 1 point on other spends.
Does the Pinnacle card give lounge access?
Yes. 1 domestic visit a quarter with the card and 1 international visit a quarter through Priority Pass. From the July 2026 quarter, domestic visits need you to meet a spend condition.
Are there limits on redeeming points?
Cash redemption is limited to 7,500 points a calendar month and to half your balance at a time. Each cash-credit redemption costs ₹149 plus GST from 1 April 2025.