How do I contact IndusInd Bank for help with my Pinnacle World card?

Call the 24-hour phone banking line at 1860 267 7777. The Direct Connect feature connects you to a phone banking expert immediately when you call from your registered mobile number. You can also email premium.care@indusind.com, manage your card through the INDIE app or IndusNet internet banking, or visit any IndusInd Bank branch. For card closure, email creditcard.closure@indusind.com.

IndusInd Bank Pinnacle World Credit Card | Credit Cards

Name: IndusInd Bank Pinnacle World Credit Card
Brand: IndusInd Bank
Price: 15000 INR
Availability: InStock
Rating: 4 (1 reviews)

Overview

The IndusInd Bank Pinnacle World Credit Card is a Mastercard positioned in the upper-premium tier of IndusInd’s credit card range. The ₹15,000 one-time joining fee is substantial, but with no annual fee charged at any point, the effective cost drops significantly over time. For applicants, the minimum income requirement is ₹10 lakh per year for salaried individuals and ₹12 lakh for self-employed.Reward points accumulate at 2.5 per ₹100 on e-commerce, 1.5 per ₹100 on e-commerce travel and airline bookings, and 1 per ₹100 on POS transactions. Fuel purchases earn nothing. Points can be redeemed through IndusMoments for merchandise, converted to Krisflyer airline miles, used as cash credit, or applied at checkout via Pay with Rewards.The standout benefit is golf: 1 complimentary game and 1 lesson per month at select courses, along with ₹20,000 hole-in-one insurance. Priority Pass gives 1 international lounge visit per quarter outside India, and 1 domestic airport lounge visit per quarter is included separately. Travel insurance covers lost baggage (up to ₹1 lakh), passport loss (₹50,000), and missed connections (₹25,000).Entertainment perks include buy-one-get-one-free movie tickets on BookMyShow (up to 3 free monthly, capped at ₹200 per ticket) and a complimentary Times Prime annual membership. The 24x7 concierge handles travel bookings and gift deliveries, while Auto Assist provides roadside help in six major cities. For those who value golf and travel privileges over high reward rates, this card returns strong value on the one-time ₹15,000 joining fee.

Pros

↑No annual fee ever makes the one-time ₹15,000 joining fee easier to justify, as the card effectively becomes free after the first year
↑Monthly golf access (1 game + 1 lesson) at select courses is valued at over ₹1 lakh per year, far exceeding the joining fee for regular golfers
↑Priority Pass with 1 international lounge visit per quarter provides overseas lounge access that most cards in this fee range do not include
↑Travel insurance covering lost baggage, passport loss, and missed connections adds meaningful protection without a separate policy purchase
↑Buy-one-get-one-free on BookMyShow (3 free tickets per month) gives regular movie-goers consistent entertainment savings throughout the year

Cons

↓Reward rate of 1 point per ₹100 on POS transactions is low for a ₹15,000 card, and several competing cards at this price point offer 2x or more on all spending
↓Welcome benefits (Montblanc, Vouchagram) are only available on select fee plans, so not all new cardholders receive them
↓₹15,000 one-time joining fee is steep if you do not use golf or lounge benefits, making the card poor value for those who only want rewards
↓Rent payment rewards are capped at 500 points per statement cycle, and a 1% fee plus GST applies on every rent transaction through third-party merchants

Key Highlights

Welcome Offer
Welcome gifts on select fee plans (Montblanc, Vouchagram)
Montblanc: choose from watches, stationery, jewellery, leather goods, eyewear
Vouchagram: discount vouchers from Amazon, Flipkart, Zee5, Apollo, Uber, Ola
Vouchagram Premium: additional premium brand vouchers
Welcome gift available on select fee plans only

Reward Rate
2.5 points per ₹100 e-commerce
E-commerce: 2.5 points per ₹100
E-commerce travel and airline: 1.5 points per ₹100
POS, MoTo, IVR, standing instructions: 1 point per ₹100
No points on fuel transactions
Rent payment points capped at 500 per statement cycle

Minimum Salary
₹10 lakh/year (salaried)
Salaried: ₹10 lakh per annum
Self-employed: ₹12 lakh per annum
KYC: PAN, Aadhaar, photograph
Income proof required

Joining Fee
₹15,000 + GST (one-time)
Joining fee: ₹15,000 + GST
Grandé customers: ₹5,000 (if ₹50K spend not met in 90 days)
Welcome gifts on select fee plans to partially offset cost

Annual Fee
No annual fee
No annual fee charged at any point
No spend-based waiver conditions needed
Only a one-time joining fee applies

Why Choose?
Golf, lounges, and movies at zero annual cost
1 golf game + 1 lesson monthly at select courses (valued ₹1L+/year)
Priority Pass: 1 international lounge visit/quarter
1 domestic airport lounge visit/quarter
BOGO movies on BookMyShow (3 free tickets/month)
Times Prime membership included
Travel insurance and 24x7 concierge

Key Benefits

Fuel

★3.5

▼

1% fuel surcharge waiver at all fuel stations across India
Subject to minimum of ₹10 per transaction
GST on fuel surcharge borne by customer
No reward points on fuel transactions
1% fee + GST on cumulative fuel transactions exceeding ₹50,000 per statement cycle (from May 2025)

Lifestyle

★4.5

▼

1 complimentary golf game + 1 lesson per month at select courses
₹20,000 hole-in-one insurance
Buy 1 get 1 free movies on BookMyShow (up to 3 free tickets/month, max ₹200 per ticket)
Complimentary Times Prime annual membership (JioHotstar, YouTube Premium, Spotify, SwiggyOne Lite, and more)
24x7 concierge for travel bookings, event tickets, and gift deliveries
Auto Assist roadside service in 6 major cities

Reward Points

★3.0

▼

E-commerce: 2.5 points per ₹100
E-commerce travel and airline: 1.5 points per ₹100
POS, MoTo, IVR, standing instructions: 1 point per ₹100
Fuel transactions: no points
Rent payment points capped at 500 per statement cycle
Redeem via IndusMoments, Krisflyer miles, cash credit, or Pay with Rewards

Shopping

★2.5

▼

2.5 reward points per ₹100 on e-commerce purchases
Vouchagram welcome vouchers (Amazon, Flipkart, Zee5, Apollo, Uber, Ola) on select fee plans
Vouchagram Premium brand vouchers on select fee plans

Merchant Offers

▼

Montblanc: exclusive collection of watches, stationery, jewellery, leather goods, eyewear (welcome benefit on select fee plans)
The Postcard Hotel: boutique luxury stays across Indian destinations
Alaya Stays: stay 3 pay for 2, 50% off on 2nd night at 200+ villas
MakeMyTrip: complimentary flight seats and hotel discounts
Times Prime: 20+ subscriptions and 40+ discount offers

Travel

★4.5

▼

Priority Pass: 1 international lounge visit per quarter outside India
1 domestic airport lounge visit per quarter
Travel insurance via ICICI Lombard (lost baggage ₹1L, passport ₹50K, missed connection ₹25K, delayed baggage ₹25K, lost ticket ₹25K)
MakeMyTrip: 2 complimentary seats on domestic flights (up to ₹350) and 15% off on select domestic hotels
Alaya Stays: stay 3 nights pay for 2, and 50% off on 2nd night at 200+ villas

Airport Lounge Access

▼

1 domestic airport lounge visit per quarter (no spend condition)
1 international lounge visit per quarter outside India via Priority Pass
Priority Pass membership for primary cardholder and partner
After complimentary visits, US$35 per person per visit

Liability Protection

▼

Total Protect: insurance cover equal to credit limit
Covers unauthorized transactions from loss or theft (up to 48 hours before reporting)
Counterfeit card fraud protection
Available on primary and add-on cards

Insurance

▼

Travel insurance via ICICI Lombard General Insurance
Lost baggage: up to ₹1,00,000
Delayed baggage: up to ₹25,000
Loss of passport: up to ₹50,000
Lost ticket: up to ₹25,000
Missed connection: up to ₹25,000
Hole-in-one insurance: ₹20,000
Total Protect: card liability coverage

Emi

▼

EMI conversion available on eligible purchases
Tenure and interest rates depend on transaction amount and account standing
Manage via IndusNet or INDIE app

Detailed Information

Joining Fee	₹15,000 + GST
Annual Fee	No annual fee
Annual Fee Waiver	Not applicable (no annual fee charged)
Monthly Percentage Rate	3.83%
Annual Percentage Rate	46%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹300)
Fee For Supplementary Card	No fee
Card Replacement Fee	₹100
Fee For Duplicate Statement	₹100 per statement (beyond last 3 months)
Fee For Cheque Bounce	₹250

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹10 lakh per annum
Minimum Annual Income Self Employed	₹12 lakh per annum
Minimum Credit Score	750+

Identity Proof	PAN Card (mandatory) Aadhaar Card (mandatory) Photograph (mandatory)
Address Proof	Aadhaar Card Voter's ID Driving License Passport
Income Proof Salaried	Latest 3 months bank statement Latest 3 months salary slip Or other bank credit card details
Income Proof Self Employed	Latest copy of ITR Or other bank credit card details

Frequently Asked Questions

The joining fee is ₹15,000 plus 18% GST, charged once at the time of card issuance. Grandé and Legacy customers pay a reduced ₹5,000, but only if they do not meet ₹50,000 in spending within the first 90 days of card issuance. Welcome gifts (Montblanc, Vouchagram) are available on select fee plans to offset part of this cost.

No. The Pinnacle World card has no annual fee at all. You pay only the one-time joining fee of ₹15,000 plus GST. There is no annual renewal charge and no spend-based waiver condition to worry about.

Salaried applicants need a minimum annual income of ₹10 lakh (₹83,333 per month). Self-employed applicants require an annual income or ITR of ₹12 lakh. You must be an Indian citizen aged 21 to 65 years. A credit score of 750 or higher is typically expected.

The Pinnacle World is issued on the Mastercard network. It carries Mastercard World tier benefits in addition to IndusInd Bank's own rewards and privileges. The card is accepted at all Mastercard merchants worldwide.

E-commerce purchases earn 2.5 points per ₹100. E-commerce travel and airline transactions earn 1.5 points per ₹100. POS, MoTo, IVR transactions, and standing instructions earn 1 point per ₹100. Fuel transactions earn zero points. Rent payment rewards are capped at 500 points per statement cycle.

Fuel transactions earn zero points since April 2018. Cash advances, fee payments (joining, GST), and penalty charges (interest, late fees) also do not earn points. Rent payment rewards through third-party merchants are capped at 500 points per statement cycle. Select merchant categories have been revised since August 2019.

You get 1 complimentary golf game and 1 complimentary golf lesson per month at select golf courses across India. Golf privileges are managed through Apexlynx, and you can book through the dedicated booking link. The card also includes ₹20,000 hole-in-one insurance. IndusInd values the annual golf benefit at approximately ₹1,06,500.

You receive a Priority Pass membership that gives access to 1,400+ lounges worldwide. The card includes 1 complimentary international lounge visit per calendar quarter outside India. After using your free visits, additional lounge access costs up to US$35 per person per visit, billed to your card. The membership covers the primary cardholder and a partner.

You get 1 complimentary domestic airport lounge visit per calendar quarter using your Pinnacle World card directly. This is separate from Priority Pass and has no spend condition attached. Simply present your card at participating domestic lounges. Extra visits beyond the complimentary limit follow standard lounge provider rates.

The card includes travel insurance through ICICI Lombard General Insurance covering: lost baggage up to ₹1,00,000, delayed baggage up to ₹25,000, loss of passport up to ₹50,000, lost ticket up to ₹25,000, and missed connection up to ₹25,000. This protection activates automatically with your card and covers events during your travels.

Buy one movie ticket and get the second one free on BookMyShow, available at all registered theatres across major cities. You can avail up to 3 free tickets per month. The free ticket price is capped at ₹200 per ticket. If the ticket costs more than ₹200, you pay the difference using your Pinnacle card. Book through www.bookmyshow.com.

The card includes a complimentary annual Times Prime membership, which provides access to 20+ subscription services and 40+ discount-led offers. These cover entertainment (JioHotstar, YouTube Premium, Spotify), food and essentials (SwiggyOne Lite, HealthKart, Netmeds), news and learning (ET Prime, TOI), fitness (Cultfit, Mindhouse), and partner brands (Uber, Starbucks, Apollo Hospitals, Myntra).

A 1% fuel surcharge waiver applies at all fuel stations across India, subject to a minimum surcharge of ₹10 per transaction. GST on the fuel surcharge is still borne by the customer. Note that fuel transactions do not earn reward points, and from May 2025, a 1% fee plus GST applies on cumulative fuel transactions exceeding ₹50,000 in a statement cycle.

Yes. The card includes a 24x7 concierge service accessible from anywhere in the world. The concierge handles pre-trip planning, hotel reservations, flight bookings, sports and entertainment ticket bookings, exclusive event arrangements, and flower and gift deliveries worldwide. Call the concierge desk at 1860 267 7777.

Auto Assist provides round-the-clock roadside assistance including: mechanical repair at your location, emergency fuel delivery (up to 5 litres), flat tyre repair or replacement, locksmith services for lost keys, battery jumpstart or replacement, emergency towing to a garage, and accident management with medical coordination. This service is available in Mumbai, Delhi, Bangalore, Pune, Chennai, and Kolkata.

Welcome benefits are available on select fee plans only, not on all Pinnacle cards. Eligible cardholders may receive Montblanc products (watches, stationery, jewellery, leather goods, eyewear), Vouchagram discount vouchers (Amazon, Flipkart, Zee5, Apollo, Uber, Ola), and Vouchagram Premium brand vouchers. The specific benefits and brands are subject to change at IndusInd Bank's discretion.

The foreign currency markup is 3.5% on all international transactions, plus applicable GST. This is the standard rate for most IndusInd credit cards. An additional 1% dynamic currency conversion markup applies if a transaction is carried out in Indian currency at an international location. If international spending is a priority, cards with lower forex markup may be worth considering.

The finance charge is 3.83% per month, which equals 46% per year. Interest is calculated daily on the outstanding balance and applies when the total amount due is not paid by the statement due date. Cash advances attract interest from the date of withdrawal with no interest-free period. Paying the full statement balance by the due date each month avoids interest entirely.

Points can be redeemed through IndusMoments for merchandise and vouchers, converted to Singapore Airlines Krisflyer miles, credited as cash to your card account, or used at checkout via the Pay with Rewards feature. Redemption fees apply: ₹149 for cash redemption, ₹100 for other categories, and 5% plus GST of the transaction amount for Pay with Rewards. Club Vistara and InterMiles conversions have been discontinued.

Yes. Rent payments through third-party merchants incur a 1% fee plus GST on each transaction. Utility payments attract 1% plus GST on cumulative spends above ₹25,000 per statement cycle. Education payments through third-party platforms attract 1% plus GST above ₹45,000 per statement cycle. Wallet loading incu₹1% plus GST above ₹20,000 per statement cycle. These surcharges are not waived for the Pinnacle card.

Late payment charges depend on the outstanding balance: nil up to ₹100, ₹100 for ₹101 to ₹500, ₹350 for ₹501 to ₹1,000, ₹550 for ₹1,001 to ₹10,000, ₹800 for ₹10,001 to ₹25,000, ₹1,100 for ₹25,001 to ₹50,000, and ₹1,300 above ₹50,000. These apply when the minimum amount due is not paid by the statement due date.

Yes. Add-on (supplementary) cards are available at no additional fee. Add-on cardholders share the primary card's credit limit and can earn reward points on their transactions. All points from supplementary card spending accumulate in the primary cardholder's account. The Total Protect insurance benefit also extends to add-on cards.

Apply through the IndusInd Bank website at www.indusind.bank.in or visit any IndusInd Bank branch. You need KYC documents (PAN card, Aadhaar, photograph) and income proof (3 months bank statement and salary slips for salaried, or latest ITR for self-employed). Existing IndusInd customers may also find pre-approved offers through the INDIE app or IndusNet internet banking.

At ₹50,000 monthly (₹6 lakh per year), you earn roughly 750 reward points per month (assuming a mix of e-commerce and POS), plus the full value of golf (over ₹1 lakh if used monthly), 4 international and 4 domestic lounge visits, 36 free movie tickets, Times Prime membership, and travel insurance. IndusInd estimates total annual savings of around ₹1.59 lakh. The ₹15,000 joining fee pays for itself within the first few months if you actively use golf and lounge benefits. Without golf, the card still provides good value through movies, lounges, and Times Prime alone.

Call the 24-hour phone banking line at 1860 267 7777. The Direct Connect feature connects you to a phone banking expert immediately when you call from your registered mobile number. You can also email [email protected], manage your card through the INDIE app or IndusNet internet banking, or visit any IndusInd Bank branch. For card closure, email [email protected].

IndusInd Bank Pinnacle World Credit Card

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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Cons