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REWARD POINTS CARD

Pinnacle Credit Card

IndusInd Bank

Travel, lifestyle and golf privileges card. Earns up to 2.5 reward points per ₹100 on e-commerce, with Priority Pass and domestic lounge visits, monthly golf game and lesson, and a BookMyShow buy-one-get-one offer.

Fuel spends earn no reward points; third-party rent payments earn capped points. Domestic lounge access is subject to a spends criteria tracked from 1 April 2026, unlocking from the July 2026 quarter.

Pinnacle Credit Card
ANNUAL FEE
Not stated
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
2.5 reward points per ₹100 on e-commerce transactions
BEST FOR
Included: Spend mix with e-commerce purchases and travel or golf privileges in regular use
Included: May suit online shopping spends, which earn the highest rate on the page
Included: May suit cardholders who travel and would use quarterly lounge visits
Included: May suit cardholders who play golf and would use the monthly game and lesson
Limitation: Fuel and rent-heavy spends may wish to compare other cards.
Limitation: Those mainly fuel spends, which earn no reward points may wish to compare other cards.
Limitation: Mainly rent payments through third-party merchants may wish to compare other cards.
Limitation: Applicants below the stated income level of ₹10 lakh (salaried) may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Domestic lounge access: spends criteria tracking began 1 April 2026; access unlocks from the July 2026 quarter
Condition: Golf benefit from 13 March 2025: 1 complimentary game and 1 complimentary lesson per month, subject to detailed T&Cs

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
Not stated
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
1 visit per quarter — 1 visit per calendar quarter · Access unlocks from the July 2026 quarter based on a spends criteria tracked from 1 April 2026
International airport lounge
1 visit per quarter — 1 visit per calendar quarter, outside India · Via Priority Pass at participating lounges outside India
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass (international lounges)
EVERYDAY
Fuel
1% waiver on fuel surcharge at any fuel station in the country
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel transactions earn no points; third-party rent payments earn capped points; Fuel transactions
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 2.5 reward points per ₹100 on e-commerce transactions
Included: Priority Pass: 1 complimentary international lounge visit per calendar quarter outside India; membership for cardholder and partner
Included: 1 complimentary golf game and 1 lesson per month at select clubs, with hole-in-one insurance
Included: Travel insurance by ICICI Lombard: lost baggage, delayed baggage, loss of passport, lost ticket and missed connection cover
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.