The IndusInd Pinnacle Credit Card is a premium offering tailored for individuals seeking luxury, exclusivity, and unparalleled privileges. Designed to cater to the sophisticated needs of discerning customers, this card combines exceptional rewards with elite lifestyle benefits, making it a standout choice in the Indian credit card landscape.
Key Features and Benefits
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Reward Points Program
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E-commerce Transactions: Earn 2.5 reward points for every ₹100 spent on online shopping.
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Travel and Airline Bookings: Accumulate 1.5 reward points for every ₹100 spent on travel-related expenses.
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Other Transactions: For Point of Sale (PoS), Mail Order/Telephone Order (MoTo), Interactive Voice Response (IVR) transactions, and standing instructions, earn 1 reward point per ₹100 spent.
Note: Fuel transactions do not accrue reward points.
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Exclusive Welcome Gifts
Upon joining, cardholders receive premium welcome gifts, including vouchers for luxury hotels and branded merchandise, enhancing the overall value proposition of the card.
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Travel Benefits
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Airport Lounge Access: Enjoy access to over 700 airport lounges worldwide, ensuring comfort during your travels.
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Travel Insurance: Benefit from complimentary insurance coverage against incidents like lost baggage, delayed flights, and more. Coverage details include:
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Lost baggage: Up to ₹1 lakh
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Delayed baggage: Up to ₹25,000
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Loss of passport: Up to ₹50,000
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Lost ticket: Up to ₹25,000
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Missed connection: Up to ₹25,000
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Personal Air Accident Cover: Up to ₹25 lakh
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Golf Privileges
Cardholders gain exclusive access to some of the most picturesque golf courses and clubs in India. Enjoy complimentary golf games and lessons, enhancing your lifestyle experiences.
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Dining Benefits
With a complimentary EazyDiner membership, enjoy up to 50% discounts at over 2,000 restaurants in India and Dubai. Additional perks include 2X EazyPoints on table reservations and significant savings on dining expenses.
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Fuel Surcharge Waiver
Receive a 1% waiver on fuel surcharges when purchasing fuel using the IndusInd Pinnacle Credit Card at any petrol station across India.
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Comprehensive Insurance Coverage
The card offers ‘Total Protect’ coverage over the entire credit limit, safeguarding against unauthorized transactions in case of loss or theft.
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No Pre-Set Spending Limit
Enjoy the flexibility of no pre-set spending limit, allowing for greater purchasing power tailored to your financial profile.
Fees and Charges
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Joining Fee: A one-time fee of ₹14,999 is applicable.
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Annual Fee: The card does not levy any annual fees, making it a lifetime free credit card.
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Cash Advance Fee: 2.5% of the amount withdrawn or ₹300, whichever is higher.
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Overlimit Fee: 2.5% of the over-limit amount, subject to a minimum of ₹500.
Eligibility Criteria
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Age: Applicants should be between 21 to 65 years old.
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Income: A stable monthly income meeting the bank’s criteria is required.
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Credit Score: A good credit history with a high credit score enhances approval chances.
How to Apply
Prospective applicants can apply online through the IndusInd Bank’s official website or visit the nearest branch. The online application process is streamlined for quick approvals.
Conclusion
The IndusInd Pinnacle Credit Card stands out as a premium credit card offering a blend of luxury, rewards, and comprehensive benefits. From high reward points on e-commerce transactions to exclusive golf and dining privileges, it caters to the elite segment seeking value and exclusivity.
FAQs
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What is the reward rate for online transactions?
Cardholders earn 2.5 reward points for every ₹100 spent on e-commerce transactions.
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Are there any annual fees associated with the card?
No, the IndusInd Pinnacle Credit Card does not have any annual fees.
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What travel insurance benefits are provided?
The card offers coverage for lost baggage (up to ₹1 lakh), delayed baggage (up to ₹25,000), loss of passport (up to ₹50,000), lost ticket (up to ₹25,000), missed connections (up to ₹25,000), and personal air accident cover (up to ₹25 lakh).
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How can I redeem my reward points?
Reward points can be redeemed for various options, including merchandise, airline miles, and cash credit, through the Indus
Check our article on Best Credit Cards in India (2025): Top Picks for Rewards, Cashback & Travel