Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#72 of 173 in credit

IndusInd Bank

IndusInd Bank Pinnacle Credit Card

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Premium travel benefits; low forex; miles transfer

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value24/100 · weight 65%

≈ 1.14% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +3.1% score bonus — earns broadly without narrow category restrictions.

Fee efficiency32/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks65/100 · weight 8%

Devaluation risk90/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹12,999 + 18% GST
= ₹15,339 total
Annual fee: ₹12,999 + 18% GST
= ₹15,339 / year total
Forex markup: 1.8%

Lounge access

Domestic (per year): 16
International (per year): 8

Confirmed devaluation alerts

04 Jul 2026 · technofinosource
IndusInd Bank has reportedly updated its terms to allow for potential account downgrades if eligibility criteria are not met for six consecutive months.

Reward structure

Category	Type	Rate	Cap	Notes
travel	points	2.00%(8 pts @ ₹0.25)	—	2% travel (estimated)
online_spends	points	2.00%(8 pts @ ₹0.25)	—	2% online (estimated)
dining	points	2.00%(8 pts @ ₹0.25)	—	2% dining (estimated)
groceries	points	1.50%(6 pts @ ₹0.25)	—	1.5% groceries (estimated)
fuel	points	1.00%(4 pts @ ₹0.25)	—	1% fuel (estimated)
utilities	points	1.00%(4 pts @ ₹0.25)	—	1% utilities (estimated)
all_spends	points	0.50%(2 pts @ ₹0.25)	—	Base earn rate