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IndusInd Bank

IndusInd Pinnacle Credit Card

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Annual Fee

₹10,000

Reward Type

Points

Forex

2%

Lounge

4 dom · 4 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹10,000

Rewards

Reward TypePoints
Base Rate3%
Point Value₹0.25/point

Category Multipliers

dining4%international5%

Redemption Values

flights₹1/pt
statement credit₹0.5/pt

Milestones

Spend ₹8L in a year₹20,000 worth lifestyle vouchers (annually)
Spend ₹4L in a quarter₹5,000 bonus voucher (quarterly)

Travel & Global

Forex Markup2%
Domestic Lounge4 visits/yr
Intl. Lounge4 visits/yr
Lounge NetworkPriority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

ICICI Emeralde Private (100%) →IDFC FIRST Wealth Credit Card (100%) →IndusInd Legend Credit Card (100%) →SBI Elite Credit Card (100%) →SBI Signature Credit Card (100%) →

💡 Fee Waiver Strategy

Spend ₹3,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹10,000 annual fee at the base reward rate of 3%, you need to spend ₹3,33,334 annually.

🎯 Pro Tips

  • ▸Maximize dining rewards by using the card for all restaurant bills.
  • ▸Use the card for international travel to earn extra points on foreign currency transactions.
  • ▸Pay utility bills using this card to earn additional reward points.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

-₹250

Effective Rate

-0.0%

Ranked #161 of 173 cards#161

₹10,000 annual fee deducted from gross rewards value.

🔄 Redemption Pathways - Value per Point

MethodValue
Flight RedemptionBEST₹1/pt for flights

🏷️ Best For

travellifestylepremium