Pinnacle World Credit Card
IndusInd Bank
last updated: Nov 21, 2025
₹0
₹14,999
3.5%
5 visits/yr
Contents
The IndusInd Pinnacle World Credit Card is a premium lifestyle card focused on travel, online shopping and luxury privileges. It offers accelerated reward points on e-commerce and travel, complimentary lifestyle benefits (movie BOGO, golf privileges) and travel insurance. Ideal for high-spend cardholders who value premium experiences and concierge services.
Features of Pinnacle World Credit Card which makes it unique
Concierge Services
24/7 concierge for bookings and lifestyle requests
Personalised assistance
Standard for premium cards
Pinnacle Golf
Complimentary golf game and lesson monthly at select clubs
Golf privileges
Stronger golf benefits than many peers
Rewards Structure of Pinnacle World Credit Card
International Spends
acceleratedAll eligible international retail transactions made in foreign currency.
Domestic Spends
baseAccumulated Reward Points on the Pioneer Heritage Credit Card.
Milestones of Pinnacle World Credit Card
Quarterly Milestone
₹50,000 : Reward points/cash vouchers (bank campaigns may vary)
Annual Milestone
₹2,00,000 : Premium lifestyle reward or partner voucher (subject to bank campaigns)
Fees & Charges of Pinnacle World Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹14,999 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Nil renewal fee in standard published fee plans; check T&Cs for variants.
Fee Explanation Standard bank fees and interest apply as per IndusInd published schedule; check benefit guide for detailed T&Cs.
Lounge Access Benefits with Pinnacle World Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
As per published Priority Pass / bank terms
international Lounges
silverVisits per year: 1
Guest access: Yes
One international lounge visit per quarter via Priority Pass (published bank benefit)
Insurance Coverage with Pinnacle World Credit Card
travel insurance
₹10,00,000Valid on international trips per published T&Cs
personal air accident cover
₹25,00,000As per the card benefit guide
Additional Features of Pinnacle World Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 add-on cards
Subject to bank approval
Welcome Bonus with Pinnacle World Credit Card
Welcome Bonus: Welcome vouchers from luxury brands .
Bonus Conditions: Welcome gift applicable on payment of the joining fee; terms vary by plan and must be checked on the bank site.
Application Process for Pinnacle World Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via IndusInd Bank portal or authorised partners
Upload KYC and income documents
Bank performs verification and underwriting
Card dispatched within 5-7 business days after approval
Required Documents for Pinnacle World Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Pinnacle World Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Mastercard is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Pinnacle World Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹1,000,000
Minimum annual income
Self-Employed Applicants
₹1,200,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must complete KYC; eligibility subject to bank underwriting and internal score.
How Approval Is Decided
- Minimum documented income as per published eligibility
- Indian resident with valid KYC documents
- Good credit history and bank underwriting
Pros of Pinnacle World Credit Card
- Strong reward rates for online spends
- Premium lifestyle benefits and concierge
- Comprehensive travel and accident insurance
Cons of Pinnacle World Credit Card
- High joining fee on paid variants
- Rewards catalogue and partner offers subject to frequent change
Frequently Asked Questions about Pinnacle World Credit Card
Is there a joining fee?
Yes. The published joining fee for the paid Pinnacle variant is ₹14,999 (plus taxes) on standard plans; check the bank page for current fee variants.
How do I get the welcome gift?
Welcome vouchers are available on payment of the joining fee; specific voucher options depend on the fee plan you select.
What is the reward earning rate?
You earn 2.5 reward points per ₹100 on e-commerce, 1.5 pts/₹100 on travel/airline bookings and 1 pt/₹100 on most PoS and other transactions.
Are lounge visits included?
Yes — domestic and limited international lounge access is included per Priority Pass and bank terms; additional visits may incur a charge.
What income do I need to apply?
Typical published eligibility is around ₹10 lakh p.a. for salaried applicants and ₹12 lakh p.a. for self-employed applicants; final approval rests with the bank.
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