IndusInd Bank Pinnacle World Credit Card
IndusInd Bank · Mastercard · Premium card
Its recurring economics can work for ecommerce and international-lounge users who have already justified the joining package.
High-spend ecommerce users who value Priority Pass and premium lifestyle privileges.
Terms checked 24 Sept 2026
- Annual fee
- ₹0 + GST
- Joining fee
- ₹15,000 + GST
- Base reward rate
- 0.8%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1.9% |
| Groceries & essentials | 0.8% |
| Dining & delivery | 0.8% |
| Travel & hotels | 0.8% |
| Bills & utilities | 0.8% |
| Beauty & wellness | 0.8% |
| Entertainment & movies | 0.8% |
| Education & family | 0.8% |
| Healthcare & pharmacy | 0.8% |
| Subscriptions & streaming | 0.8% |
| Offline store shopping | 0.8% |
| International spending | 0.8% |
| Gold & jewellery | 0.8% |
| House rent | 0.8% |
| Insurance premiums | 0.8% |
| Other miscellaneous | 0.8% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
4 domestic airport lounge visits per year • 4 international airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not available
Requires ₹1,50,000 per Calendar quarter for the following calendar quarter
1 international airport lounge visit per quarter · Priority Pass
Guest access: Chargeable
Only lounge visits outside India are complimentary; Priority Pass use within India and guest visits are chargeable.
Spend condition: Domestic access requires ₹1.5 lakh eligible spend in the preceding calendar quarter; international access is one visit per quarter outside India through Priority Pass.
Movies and entertainment
BookMyShow · Buy one, get one · up to ₹200 · 3 uses/month
Availability: Up to three eligible free tickets each month, capped at ₹200 per free ticket..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Eligible ecommerce rewards
Usage-based value2.5 reward points per ₹100 on eligible ecommerce transactions, valued at ₹0.75 each for cash credit.
Online airline and travel rewards
Usage-based value1.5 reward points per ₹100 only for eligible online airline and travel transactions.
Conditions: 1.5 reward points per ₹100 only for eligible online airline and travel transactions.
Eligible rent rewards
Usage-based valueOne reward point per ₹100 on eligible rent transactions, subject to 500 points per statement cycle.
Other eligible purchase rewards
Usage-based valueOne reward point per ₹100 on other eligible card purchases.
1% fuel-surcharge waiver on eligible fuel purchases; fuel itself earns no points
Shown without a cash value
Fees · 2 items
Annual card fee
Recorded value ₹-0₹0 annual fee before applicable tax.
Joining fee
Cost ₹15,000₹15,000 one-time joining fee before applicable tax.
Welcome benefits · 1 item
Plan-dependent welcome voucher choice
Shown without a cash valueSelect joining-fee plans may include a choice from the current voucher inventory; no guaranteed cash-equivalent value is assigned.
Conditions: Pay the applicable joining fee · Eligible inventory and plan applicability are determined by IndusInd at fulfilment
Airport lounge access · 2 items
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹1,50,000 per calendar quarter
International lounge access
Usage-based value1 visit per quarter through Priority Pass. Guest access: chargeable. Only lounge visits outside India are complimentary; Priority Pass use within India and guest visits are chargeable.
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹7,200Buy one, get one offer up to ₹200, 3 times per month. Up to three eligible free tickets each month, capped at ₹200 per free ticket.
Travel privileges · 1 item
1.875% effective cash value on eligible ecommerce and 1.125% on eligible online travel
Shown without a cash value
Golf · 2 items
One complimentary golf game and one golf lesson each calendar month
Shown without a cash valueOne golf round and one lesson per month
Shown without a cash value
Insurance and protection · 2 items
Total Protect unauthorized-transaction and counterfeit-fraud cover up to the assigned credit limit, including eligible add-on-card events
Shown without a cash valueHole-in-one insurance up to ₹20,000 under issuer terms
Shown without a cash value
Concierge · 1 item
24x7 concierge and Direct Connect service
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. IndusInd Bank does not publish one universal numeric income threshold for Pinnacle World.
Other categories (7)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗
What stands out
- ✓ 1.875% effective cash value on eligible ecommerce and 1.125% on eligible online travel
- ✓ One domestic and one international lounge visit per quarter under separate access rules
- ✓ Three monthly BookMyShow BOGO discounts capped at ₹200 each
- ✓ One golf round and one lesson per month
What to watch
The ₹15,000 joining fee has no guaranteed cash-valued welcome offset. Domestic lounge access requires ₹1.5 lakh spend in the preceding quarter, rent points are capped, and fuel earns no points.
Recorded exclusions
Fuel Commute · Cash withdrawal · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Domestic lounge spend threshold increased
Pinnacle domestic airport lounge access now requires ₹1.5 lakh eligible spend in the preceding calendar quarter.
- Before
- The prior lounge threshold and eligibility schedule applied.
- After
- One domestic visit per quarter requires ₹1.5 lakh eligible spend in the preceding quarter.
Checked 24 Sept 2026IndusInd current domestic lounge terms ↗ - Value reduced
Monthly cash-redemption cap introduced
Cash-credit redemption became limited without changing point earning.
- Before
- The current monthly cash-redemption ceiling did not apply.
- After
- No more than 7,500 points may be redeemed for cash credit per calendar month.
Checked 24 Sept 2026IndusInd reward redemption update ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026 · Latest recorded change effective 1 Jul 2026