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IndusInd Bank Pinnacle Credit Card

Honest review — No affiliate bias — Updated May 2026
CreditIQ Score
8.2
out of 10
Rs. 60,000
Annual Fee
Rs. 60,000
Joining Fee
Visa/Mastercard
Network
premium
Category

CreditIQ Verdict

The IndusInd Bank Pinnacle Credit Card is a premium credit card from IndusInd with an annual fee of Rs.60,000. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on premium categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeRs. 60,000 + GST
Joining FeeRs. 60,000 + GST
Interest Rate42% per annum (3.33% per month)
Forex Markup3.5% on international transactions
Cash Advance2.5% of amount (min Rs. 500)
Late PaymentRs. 0 - Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...
+ Spend on premium regularly
+ Spend Rs.2,40,000+ per month
+ Have a good credit score (750+)
+ Earn Rs.5.0L+ annually
Skip if you...
- Travel internationally often (high forex markup)
- Carry a balance month-to-month
- Are a first-time credit card user
- Cannot meet annual spend threshold

What the community says

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Frequently Asked Questions

What is the annual fee of IndusInd Bank Pinnacle Credit Card?
The annual fee is Rs.60,000 + GST. It is waived if you meet the annual spend threshold.
What is the reward rate on IndusInd Bank Pinnacle Credit Card?
IndusInd Bank Pinnacle Credit Card offers 2.5. Check the benefits section above for category-specific accelerators.
How to apply for IndusInd Bank Pinnacle Credit Card?
You can apply online through IndusInd's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.
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Quick facts
Annual feeRs.60,000
NetworkVisa/Mastercard
BankIndusInd
Other IndusInd cards
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