The IndusInd Pinnacle World Credit Card charges no annual fee, with a joining fee of Rs 15,000. Its base return is 0.75%. Accelerated earn: 2.5 RP per Rs 100 on e-commerce; 1.5 RP per Rs 100 on e-commerce travel and airline spend. The forex markup is 3.5%. Abroad: 1 per calendar quarter via Priority Pass, outside India (effective 13 Mar 2025). Read from the issuer's documents and an aggregator on 12 Oct 2026.
One-time joining fee Rs 15,000, no annual fee. 'Pinnacle for Grande' variant: Rs 5,000 joining fee charged only if Rs 50,000 is not spent in 90 days.
Rewards
Welcome benefit
Only on select fee plans: Montblanc, The Postcard Hotel, Vouchagram or Vouchagram Premium vouchers (values not on page)
Reward currency
Reward Points
Base earn
1 RP per Rs 100 on PoS, MoTo, IVR and standing-instruction spend
Base returnunverified
0.75%
Point valueunverified
1 RP = Rs 0.75 cash credit
Accelerated earn
2.5 RP per Rs 100 on e-commerce; 1.5 RP per Rs 100 on e-commerce travel and airline spend
Capsunverified
Cash credit redemption max 7,500 RP per statement cycle; cash credit limited to 50% of balance
Spends that earn nothing
No RP on fuel (from 1 Apr 2018). Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 on POS and e-commerce spend (issuer notice effective 1 Aug 2019). RP on rent paid through third-party merchants capped at 500 per statement cycle (from 3 Jan 2023)
Reward notes
base_return_pct = 1 RP per Rs 100 x Rs 0.75; 1.875% on online spend. Redemption fee Rs 149 + GST cash.
Transfers
Partners
Singapore KrisFlyer, Air India Maharaja Club
Ratiounverified
Card Insider: 2 RP = 1 KrisFlyer mile and 2 RP = 1 Maharaja point; Book1A lists KrisFlyer 1:1, Maharaja 2:1. KrisFlyer capped at 10,000 points per month.
Travel and perks
Domestic lounge
1 per calendar quarter; from the July 2026 quarter access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page)
International lounge
1 per calendar quarter via Priority Pass, outside India (effective 13 Mar 2025)
Lounge conditions
Domestic access is spend-linked from the July 2026 quarter. Priority Pass visits beyond the free quota charged up to USD 35 per person per visit (issuer MITC)
Forex markup
3.5%
Fuel surcharge waiver
1% waiver at any fuel station in India; MITC: 1% + GST fee on fuel spend above Rs 50,000/cycle
Other freebies
Golf: 1 game and 1 lesson per month (effective 13 Mar 2025), needs Rs 25,000 spend in the last statement; hole-in-one insurance Rs 20,000; BookMyShow buy-one-get-one up to 3 free tickets a month, Rs 200 cap each; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); concierge; Auto Assist in six metros; Total Protect fraud cover up to the credit limit
Charges and eligibility
Interest per month
3.83%
Late payment fee
By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300
Cash advance fee
2.5% min Rs 300
Eligibility
Income/ITR Rs 10 lakh a year (salaried), Rs 12 lakh (self-employed)
Fine-print notes
Issuer product page read as plain text on 2026-10-12; fields updated from it. Page gives no fee, no cash value per point, no cash redemption cap and no airline ratio; those fields are unchanged. Page illustration values points at Rs 0.75 but is not a statement of terms. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (Aug 2019 reduced-earn table, golf programme terms). CONFLICTS (issuer page used; old value and source): welcome_benefit: old 'Oberoi voucher, Luxe gift card Rs 5,000, Postcard, Montblanc or brand vouchers' (Card Insider); page lists Montblanc, Postcard Hotel, Vouchagram, Vouchagram Premium, on select fee plans only. Earlier non-issuer data not found on the issuer page (unconfirmed): air accident cover Rs 25 lakh; fuel waiver range Rs 400-4,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).
Questions
What is the annual fee of the IndusInd Pinnacle World Credit Card?
No annual fee.
Does the IndusInd Pinnacle World Credit Card give airport lounge access?
Yes. In India: 1 per calendar quarter; from the July 2026 quarter access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page). Outside India: 1 per calendar quarter via Priority Pass, outside India (effective 13 Mar 2025). Conditions: Domestic access is spend-linked from the July 2026 quarter. Priority Pass visits beyond the free quota charged up to USD 35 per person per visit (issuer MITC)
What is the forex markup on the IndusInd Pinnacle World Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IndusInd Pinnacle World Credit Card?
No RP on fuel (from 1 Apr 2018). Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 on POS and e-commerce spend (issuer notice effective 1 Aug 2019). RP on rent paid through third-party merchants capped at 500 per statement cycle (from 3 Jan 2023)