As a freelance photographer, Rahul dedicates himself to achieving his passion through visual story capturing while constantly seeking different travel destinations. He collaborates with clients and uses expensive professional photographic equipment.

Rahul discussed with his father “how his spending habits changed his life” after obtaining the IndusInd Bank Pinnacle Credit Card.

Rahul said, "The IndusInd Bank Pinnacle Credit Card proved to be a video game controller for his freelance work style." This credit card system enables me to achieve more rewarding expenses that support my needs. He expressed that the IndusInd Bank Pinnacle Credit Card plays a role in his life as his money-smart partner because it knows his way of life.

Rahul defines how the IndusInd Bank Pinnacle Credit Card is beneficial for him:

I filled up 150 litres of fuel every month to meet clients, and I saved ₹900 monthly and almost ₹10,800 annually.
I spent ₹15,000 on groceries, dining, and shopping. So, I earned nearly 600 reward points monthly and 7,200 reward points annually, which costs ₹7,200.
I watched movies in the theatre and on the OTT platform every month, and I saved ₹500 monthly and ₹6,000 annually.
I saved ₹600 monthly on dining (annually ₹7,200).
Regarding my Airport Lounge, the IndusInd Bank Pinnacle Credit Card helps me to save ₹2,000 annually on lounge fees.
Also, I get free roadside assistance twice a year, which allows me to save ₹1,200 annually on emergency services.

Rahul's Total Savings are almost ₹33,000+ per year!

What is an IndusInd Bank Pinnacle Credit Card?

The IndusInd Bank Pinnacle Credit Card is an upper-tier payment solution for people who love to experience elite lifestyles while making multiple purchases. Each ₹100 shopping transaction generates 4 reward points, and the customer gets free airport lounges with the advantage of no fuel surcharges.

The IndusInd Bank Pinnacle Credit Card offers customers a range of benefits, such as 15% restaurant discounts, free roadside assistance, and buy-one-get-one-free movie tickets. It also offers dining and entertainment deals. This Credit Card is an excellent choice for people who want both convenience and rewarding experiences.

Key Features and Benefits of IndusInd Bank Pinnacle Credit Card

Reward Points

How It Works:

For every ₹150 spent on eligible categories (e.g., groceries, shopping), you earn 6 (2.5 to 6) reward points.
For every ₹150 spent on eligible categories (e.g., dining, travelling), you earn 10x reward points.
Points can be redeemed for cashback, gift vouchers, merchandise, or travel benefits.
The value of each reward point is rectified by the bank (e.g., 1 point = ₹0.25 or ₹1).

Example: Rahul uses a credit card from an IndusInd bank that offers reward points on groceries, dining, and shopping. Here is how it works for Rahul:

Spending Category	Monthly Spend	Reward Point Earned	Annual Reward Points	Annual Value
Groceries & Shopping	₹15,000	600 (₹15,000 ÷ ₹150 × 6 = 600)	7,200	₹7,200
Dining (10X Points)	₹10,000	4,000 (₹10,000 ÷ ₹150 × 6 × 10 = 4,000)	48,000	₹48,000
Travel (10X Points)	₹20,000	8,000 (₹20,000 ÷ ₹150 × 6 × 10 = 8,000)	96,000	₹96,000
Entertainment (10X)	₹3,000	1,200 (₹3,000 ÷ ₹150 × 6 × 10 = 1,200)	14,400	₹14,400
Fuel Spends	₹5,000	200 (₹5,000 ÷ ₹150 × 6 = 200)	2,400	₹2,400
Total	₹53,000	14,000	1,68,000	₹1,68,000

Rahul’s Annual Savings

If Rahul spends ₹53,000 every month on eligible categories:

Monthly Cashback: ₹14,000

Annual Cashback: ₹14,000 x 12 = ₹1,68,000

Why It’s Beneficial

Earn 6 points per ₹150 on regular spending and 10X points on dining, travel, and entertainment.
Redeem points for vouchers, cashback, or statement credits.
Turn everyday spending into valuable rewards.

Welcome Benefits

How to Use Welcome Benefits:

Taj Epicure Plus Membership

Activate your membership using the details provided upon card activation.
Enjoy 15% off on food and beverages at over 120 Taj restaurants across India.

Welcome E-Gift Voucher

Receive the voucher via email or SMS after card activation.
Redeem the voucher on popular platforms like Amazon, Flipkart, or partner brands.

Why These Benefits Matter?

With a Taj Epicure Plus membership, users can enjoy exclusive dining privileges at favourable prices.
Customers receive instant savings through welcome e-gift vouchers to buy products from famous brands.
The immediate value of these benefits transforms the card into an ideal option for people who enjoy the lifestyle scene.

Travel Benefits

The IndusInd Bank Pinnacle Credit Card serves frequent travellers because it offers numerous travel advantages, cost-effectiv,e comfortable journeys, and security. This offers to provide a pleasant travel experience.

How to Use Travel Benefits?

Priority Pass Membership

You can activate your Priority Pass membership using the customer care number (1860 267 7777) and the details provided upon card activation.
Enjoy 4 complimentary lounge visits per year at over 1,300 lounges worldwide.

Flight & Hotel Discounts

Book flights and hotels through partner platforms like Cleartrip, Yatra, or MakeMyTrip.
Use your card to avail exclusive discounts.

Travel Insurance Coverage

Automatically activated when you book travel using your card.
Includes air accident cover (up to ₹1 crore) and lost luggage insurance (up to ₹50,000).

Example: Rahul uses a credit card from an Induslnd bank that offers travel benefits on flights, hotels, and travel insurance coverage. Here is how it works for Rahul:

Benefit	Scenario	Savings
Priority Pass Membership	Accessing a lounge during a layover at Mumbai International Airport.	Save ₹1,000 per visit (average lounge cost).
Flight & Hotel Discounts	Booking a flight for ₹15,000 and a hotel for ₹10,000 through partner platforms.	Save ₹3,000 (₹2,000 on flight + ₹1,000 on hotel).
Travel Insurance Coverage	Filing a claim for lost luggage worth ₹30,000.	Receive ₹30,000 as compensation.
Total		₹34,000

Rahul’s Travel Savings are:

Membership pass: ₹3,000
Flight and Hotel Discount: ₹1,000
Travel Insurance Coverage: ₹30,000
Total: ₹3,000 + ₹1,000 + ₹30,000 = ₹34,000

Dining Benefits

How to Use Dining Benefits

Exclusive Restaurant Discounts

Discounts of up to 15% on your total bill.
Customers show their IndusInd Bank Pinnacle Credit Card at partnering restaurants.

Taj Epicure Plus Membership

Activate your complimentary 1-year membership using the details provided upon card activation.
Enjoy 15% off on the food and beverages at over 120+ Taj restaurants with family and friends.

Example: Rahul uses a credit card from an IndusInd bank that offers dining benefits at restaurants and hotels and a Taj Epicure Plus membership. Here is how it works for Rahul:

Benefits	Scenario	Savings
Exclusive Restaurant Discounts	Dining at a partner restaurant with a bill of ₹2,500	Save ₹375 (15% off).
Taj Epicure Plus Membership	Dining at a Taj restaurant with a bill of ₹4,000.	Save ₹600 (15% off).
Total		₹975

Rahul's Dining Savings are:

Exclusive restaurant Discounts: ₹375
Taj Epicure Plus Membership discounts: ₹600
Total Saving: ₹975

Why These Benefits Matter

Enjoy up to 15% off at partner restaurants and Taj properties.
Access exclusive dining privileges at iconic Taj restaurants.
Turn every meal into a memorable and affordable experience.

With the IndusInd Bank Pinnacle Credit Card, dining out becomes a rewarding and luxurious relationship.

Fuel Surcharge Waiver

How It Works

Use your IndusInd Bank Pinnacle Credit Card to pay for fuel at any petrol pump in India.
The usual 1% fuel surcharge is removed from your transactions through the card system.
The waiver is applicable for transactions between ₹400 and ₹5,000.
The maximum waiver you can avail of is ₹250 per statement cycle.

Example: Rahul uses a credit card from an IndusInd bank that offers fuel surcharge benefits Here is how it works for Rahul:

Transaction Amount	1% Fuel Surcharge	Waived Applied	Net Savings
₹1,000	₹10	₹10	₹10
₹2,500	₹25	₹25	₹25
₹5,000	₹50	₹50	₹50

Rahul Monthly Savings: Up to ₹250

Rahul Annual Savings: Up to ₹3,000

Why This Benefit Matters

Reduce your fuel expenses with every refill.
You don’t need to carry cash or use other payment methods.
The best possible way for those who spend significantly on fuel.

With the IndusInd Bank Pinnacle Credit Card, you can enjoy hassle-free fuel purchases and save money every time you hit the road!

Complimentary Golf Games

The premium lifestyle benefit of the IndusInd Bank Pinnacle Credit Card includes free access to golf courses in India for its holders. Indian premium golf courses provide four complimentary golf games to IndusInd Bank Pinnacle Credit Card.

Golf enthusiasts using this exclusive offer can play games or practice their swings at no extra expense. This exclusive perk enhances the leisure experience for all golfers, whether they have experience or not. The card stands as an ideal choice for those who appreciate premium activities.

Eligibility Criteria for IndusInd Bank Pinnacle Credit Card

The IndusInd Bank Pinnacle Credit Card benefits require applicants to fulfill requirements and share relevant documents. The Pinnacle credit card suits individuals who demonstrate financial responsibility through a stable monetary background and a solid credit profile.

Age	For Pinnacle Cardholders: Applicants must be between 21 and 65 years old.
Income	Salaried individuals' minimum annual income is ₹6,00,000 or more. The minimum annual income for self-employed individuals is ₹8,00,000 or more.
Employment Status	Salaried, self-employed professionals and business owners can apply with a stable income source.
Credit Score	A good credit score (typically 750 or above) is required to qualify for the card.
Existing Relationship with Induslnd Bank	Higher chances if you have regular transactions, a good savings balance, or investments with IndusInd Bank.

Contact customer care at 1860 267 7777

Required Documents to Apply for IndusInd Bank Pinnacle Credit Card

Your application requires these documents to finish the process:

Identity Proof: Aadhaar card, PAN card, or passport.
Address Proof: Utility bill, rental agreement, or Aadhaar card.
Income Proof: Salary slips (last 3 months) or income tax returns (for self-employed individuals).
Passport-sized Photograph.

How to Apply for an IndusInd Bank Pinnacle Credit Card?

Offline Application:

Step 1: Visit the nearest IndusInd Bank branch. You can find your nearest IndusInd Bank branch with the help of their Branch locator.

Step 2: To initiate the application process, you request a credit card application from Induslnd Bank branches.

Step 3: Fill in the required details and attach the necessary documents, like address proof and income proof.

Step 4: After completing your form, submit it to the bank representative.

Step 5: Wait for 24 hours to 48 hours.

Step 6: When Induslnd Bank verifies your documents, the bank will approve your Credit Card.

Online Application:

Step 1: Visit the official website of the IndusInd Bank and navigate to the Cards option.

Step 2: Select the “IndusInd Bank Pinnacle Credit Card” option.

Step 3: Click on the “Apply” option.

Step 4: Fill in the required personal and financial details.

Step 5: Upload necessary documents (PAN card, Aadhaar, income proof, address proof).

Step 6: Apply and await approval (online applications take 7-10 working days).

Fees of IndusInd Bank Pinnacle Credit Card

The following charges are linked to this credit card:

Joining Fees	₹3,000 + Taxes
Interest Rate	3.83% per month (approximately 46% annually) on unpaid balances.
Renewal Charges	₹3,000 + GST annually (may be waived if annual spending exceeds a specified limit)
Late Payment Fee	Up to ₹100 - Nil ₹101 to ₹500 - ₹100 ₹501 to ₹1,000 - ₹350 ₹1,001 to ₹10,000 - ₹550 ₹10,001 to ₹25,000 - ₹800 ₹ 25,001 to ₹50,000 - ₹1,100 Above ₹50,000 - ₹1,300

How to check an IndusInd Bank Pinnacle Credit Card Statement and Balance?

1. Online Method

Visit the official IndusInd Bank website: IndusInd Bank Credit Card.
Log in to your account using your customer ID or registered mobile number.
Navigate to the Credit Card section to view your card details, statement, or application status.
Alternatively, use the Track Application feature by entering your application reference number.

2. Mobile App

Download the IndusInd Bank Mobile App from the App Store or Google Play.
Log in using your credentials.
Go to the Credit Card section to check your card details, transaction history, or application status.

3. Customer Care

Call IndusInd Bank’s customer care at 1860 267 7777.
Provide your application reference number or registered mobile number to get updates on your card status.

4. Visit a Branch

Locate the nearest IndusInd Bank branch using the Branch Locator.
Visit the branch with your application details or ID proof to enquire about your card status.

Following these methods, you can quickly check your IndusInd Bank Pinnacle Credit Card details or application status.

Conclusion

Premium cardholders who love living in style can choose the IndusInd Bank Pinnacle Credit Card because it provides unique advantages such as points accumulation, complimentary lounge, usage dining savings, and free fuel toll payments.

Daily life experiences become more delightful and savings reach new heights because the Taj Epicure Plus membership comes with travel insurance and golf access features of this premium card. This card serves frequent travelers and spenders because it delivers luxury service, user-friendly features, and affordable rates that compose an exceptional premium lifestyle package.

FAQs Related to IndusInd Bank Pinnacle Credit Card

What are the reward points offered?
Earn 6 reward points for every ₹150 spent, with 10X points on dining, travel, and entertainment.
Is there a lounge access benefit?
Yes, you get 4 complimentary lounge accesses per year via Priority Pass membership.
What is the annual fee?
The card has a premium annual fee, which may be waived based on spending criteria.
Are there dining benefits?
Yes, enjoy discounts at partner restaurants and a complimentary Taj Epicure Plus membership.
Is the fuel surcharge waived?
Yes, the fuel surcharge is waived up to ₹250 per statement cycle at fuel stations across India.