IndusInd Bank Pinnacle World Credit Card
Best for online shoppers wanting 1.875% value with a one-time fee. 2.5 RP/Rs100 e-commerce; 1.5 online travel/airline; 1 POS; 0.70 utility/insurance/govt; 1 RP=Rs0.75 cash; 200 RP=100 KrisFlyer/Maharaja
Terms as of 2026-09-27 · Checked 28 September 2026IndusInd Bank Pinnacle World Credit Card at a glance
Who it suits: Online shoppers wanting 1.875% value with a one-time fee
Rewards & cashback
| Details | |
|---|---|
| How you earn | 2.5 RP/Rs100 e-commerce; 1.5 online travel/airline; 1 POS; 0.70 utility/insurance/govt; 1 RP=Rs0.75 cash; 200 RP=100 KrisFlyer/Maharaja |
| Caps & exclusions | Max 7,500 RP/month cash redemption |
| Welcome benefit | Montblanc / Postcard Hotel / Luxe voucher after fee payment |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹2,250 | ₹2,250 |
| ₹3,00,000 / year | ₹5,625 | ₹5,625 |
| ₹6,00,000 / year | ₹11,250 | ₹11,250 |
| ₹12,00,000 / year | ₹22,500 | ₹22,500 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 1 intl/quarter (Priority Pass) + 1 domestic/quarter on Rs1.5L quarterly spend |
| Fuel surcharge | 1% up to Rs500/month on Rs500-4,000 |
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹15,000 + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | No annual fee after year 1 |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Rs10 lakh p.a. (salaried) |
| Age | 21-60 |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the IndusInd Bank Pinnacle World Credit Card?
Joining fee ₹15,000 and annual fee Free (plus 18% GST). No annual fee after year 1.
What rewards does it offer?
2.5 RP/Rs100 e-commerce; 1.5 online travel/airline; 1 POS; 0.70 utility/insurance/govt; 1 RP=Rs0.75 cash; 200 RP=100 KrisFlyer/Maharaja Caps/exclusions: Max 7,500 RP/month cash redemption
Does it give airport lounge access?
1 intl/quarter (Priority Pass) + 1 domestic/quarter on Rs1.5L quarterly spend
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Who is eligible?
Rs10 lakh p.a. (salaried). A CIBIL score of 750+ improves approval chances.
Is the IndusInd Bank Pinnacle World Credit Card good for me?
Best for: Online shoppers wanting 1.875% value with a one-time fee. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on IndusInd Bank’s website before applying. FinancePortal is not affiliated with the issuer.