What is the annual fee for the IndusInd Bank Pinnacle?

The IndusInd Bank Pinnacle is a lifetime-free credit card with no joining or annual fee.

Does the IndusInd Bank Pinnacle offer airport lounge access?

Yes — the IndusInd Bank Pinnacle offers 1 domestic per quarter lounge visits, 2 international per quarter lounge visits.

What rewards does the IndusInd Bank Pinnacle earn?

It earns 1% on eligible spends as Reward Points.

Pinnacle — IndusInd Bank Credit Card

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Pinnacle — IndusInd Bank Credit Card | Card Manager

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IndusInd

World Elite

•••• •••• •••• 0000

Pinnacle

IndusInd Bank • MasterCard• Super Premium

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Annual Fee

Free

Base Reward Rate

1.00%

Foreign Tx Fee

—

Tier

Super Premium

Joining Fee

₹15,000

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domestic—

1 per quartermedium

✓ No activation spend required — access is unconditional.

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹200

Dining₹5,000/mo

+₹50

Grocery₹8,000/mo

+₹80

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹75

Online Shopping₹8,000/mo

+₹200

Utilities₹3,000/mo

+₹30

Annual earnings

₹7,620

Blended 1.22% effective return

Monthly spend₹52,000

Monthly earnings+₹635

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

No annual fee from year 2. ₹15K offline / ₹12K online vouchers welcome. 1 RP = ₹0.75.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.50–₹1 depending on redemption (cashback → flights/transfer).
value range
1% base reward rate on all eligible spends
1.00%medium
Online: 2.5%
2.5%medium

Priority Pass

Membership incl.

2 per quartermedium

✓ No activation spend required — access is unconditional.

Travel: 1.5%

1.5%medium

Forex

No forex markup configured.

Travel

domestic via direct: 1 per quarter — no spend needed
1/quartermedium
international via Priority Pass: 2 per quarter — no spend needed
2/quartermedium
Lifetime free card — ₹0 joining, ₹0 annual, ₹0 renewal.
₹0 forever

Payments

Joining fee: ₹15,000. Annual: Free.
Lifetime free