IndusInd Pinnacle Credit Card Review

By | July 23, 2022

IndusInd Pinnacle Credit Card is one of the best premium credit card in the country since past couple of years. Earlier it used to make sense only for the high spenders because of its high joining fee but now it’s available at affordable fee options with welcome vouchers. 

Here’s everything you need to know about the IndusInd Pinnacle Credit Card in its current form,


TypePremium Credit Card
Reward Rate0.75% – 1.87%
Annual Fee15,000 INR + GST
Best forOnline Spends, Exclusive Banking benefit
USPRedeem points for Stmt. Credit

IndusInd Bank used to sell Pinnacle Credit Card for 50K INR few years back and I’m now glad to see it at 15K INR pricing. This drop in price happened during covid peak days.

Joining Fees

Joining FeeRs.15,000+GST
Welcome BenefitUpto Rs.15,000 Voucher (Gyftr EGV)
Renewal / Annual FeeNil

The good thing about IndusInd credit cards is the nil annual fee even on premium credit cards.

The welcome benefit comes as a Gyftr EGV using which you can redeem vouchers from various brands like Myntra, Swiggy, Ola, Uber, etc. But the brands may change anytime.

So ideally you get vouchers for the fee paid but the Rs. 2700 GST part is additional, which anyway you can recover on spending Rs.1 Lakh.

Note: From 27th Feb 2021, you can get value of only Rs.12,000 for online vouchers and Rs.15,000 for offline vouchers as a part of welcome gift.


The problem with the design is that the white lines making the logo overlaps with the card number and that doesn’t look good, especially these days after seeing many new credit cards with clean design. 

Their exclusive signature debit card design is way lot better than the pinnacle credit card in my opinion.

It would be great if they upgrade the product’s design a bit to suit the trend.

Reward Points 

Regular Rewards

SPEND TYPESavings (IndusMoments)Savings (Cash Credit)
Online (Travel & Airline)1.5%1.1%
Other Spends1%0.75%
  • 1 Reward Point = 0.75 INR (for cash credit)
  • Select Categories: 0.5% – 0.7% (Utility Bill Payments, Insurance Premium Payments, Government Services, Education Institute Fees)

Note that for wallet spends maybe treated as “Online (Travel & Airline)”. NPS & bill payments falls under “Select Categories”. Not sure on what concept it works though.

It basically differs on which platform you’re using and how they’re reporting those transactions to the Bank. This may change anytime!

Reward Redemptions  

As seen above you’ve multiple options to redeem your Pinnacle credit card rewards. Here are some more details:

  1. Indus Moments – 1:1 (eVouchers)
  2. Club Vistara – 1:1 (CV Points)
  3. Statement Credit – 1:0.75

Note: The maximum number of reward points that can be redeemed for cash credit in one statement cycle is 25,000 reward points.

IndusInd Pinnacle Credit Card used to be an amazing credit card until 15th April 2022 after which the Pinnacle and most other IndusInd Credit Cards got devalued a bit for cash credit redemptions, making it less attractive.

Airport Lounge access 

TFS Travel Club Lounge Chennai
InternationalPriority Pass2/Qtr

Earlier, pinnacle credit card was not having priority pass complimentary visit benefit but it got added around mid-2018.

The Limits

The Pinnacle credit card is known for the generous reward rate on online spends along with the ability to redeem reward points for cash credit. 

But that has ended recently and now you can only use Indusind Credit cards (any variant) upto its assigned credit limit in a month, beyond which it wont earn reward points, among other restrictions as you see here.

This limit is a problem for those who are planning to get this card for high value spends, for most others, it shouldn’t be a problem.  

Covid-19 Impact

When it comes to rewards for end users, IndusInd Pinnacle credit card is one of the very few credit cards which doesn’t see any impact due to Covid-19.

This is because you can redeem your reward points for statement credit, so you don’t need to worry about travel redemptions, which is the usual case with most other premium credit cards.

Other Benefits

  • IndusInd Exclusive Account: Complimentary, no need to maintain the Min. balance / NRV
  • Bookmyshow Offer: Buy1 Get1 offer, Upto Rs.200 per ticket, upto 3 tickets per month
  • Complimentary Golf: 2 Lessons per month, 4 games per month.
  • Priority Assistance: Same as what you get with IndusInd Iconia, nothing new
  • Priority Concierge: Never used, never heard anyone use either
  • Priority Auto Assist: Never used, never heard anyone use either

One of the biggest advantage of Pinnacle credit card is the Exclusive A/c benefit. To avail this benefit you need to visit the branch and sign a form.

My Experience

I recently applied for the Pinnacle credit card for 15K+GST fee with 15K amazon voucher as welcome benefit. 

I got the card in 2 weeks of application, in simple envelope that made me feel like I’ve got a free cheap card from a public sector bank.

There are no sign of any premium’ness in the envelope or the card design. Overall gives a poor first impression.

Its been more than 2 months since I got the card, yet the welcome benefit hasn’t come and the emails are getting only robotic responses. Hopefully I get them after an escalation.

That aside, points are credited as soon as the charge reflects on statement. I did some test charge and I’m getting 2.5% on online spends.

Everything else works as a typical Indusind card, just like the IndusInd Iconia which I continue to hold as well with a split limit.

Getting the Card

You may apply via branch so you can have the right contact to track the application. 

If you already have an Indusind credit card, consult with the RM to get the upgrade or as second card whichever way you wish.

After the recent update, you only need to have min. of Rs. 50,000 credit limit to be eligible to upgrade from existing IndusInd credit card.


  • Cardexpert Rating: 4/5

Overall it’s a good credit card for those who do more online spends and need simple and easy redemption option. Yet, the other lifestyle benefits are not so great for a card of this fee range.

Complimentary Exclusive banking is a great benefit which I wish other banks too start doing. Btw, HDFC Bank has been sending Invites for complimentary classic/preferred a/c for card-only users, but not advertising it as a feature though.

Do you hold IndusInd Pinnacle Credit Card? Feel free to share your thoughts in the comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

311 thoughts on “IndusInd Pinnacle Credit Card Review

  1. Ankur

    Only joining fee and no renewal fee? Never heard of something like this before. It’s basically LTF after 1 year?

    1. Siddharth Post author

      All IndusInd credit cards work like this since long time. Wont last long though!

      1. Satish Kumar Agarwal

        Applied for Pinnacle card and received it 2 months back with above fee options. Later opened Exclusive account basis Pinnacle card, but still opening cheque of minimum 1 lac demanded, though not required to maintain any AMB.

        Haven’t still got welcome vouchers so emailed a complaint to cs and got a reply that it will be delivered within 15 days.

        1. Siddharth Post author

          Were they aware of the AMB non-requirement via Pinnacle? And whether it is sufficient for other accounts in family banking?

          Same 15 days was told to me like 2 months ago.

          1. Nikhil

            Yes, branch people are aware about AMB no-requirement. For me, they took 2 lakh initial cheque but told later it became zero balance account, haven’t opened family account with it. 0% charge on locker is also another advantage for 1st year.

          2. Satish Kumar Agarwal

            Yes they were aware of AMB non-requirement via Pinnacle, still told that opening cheque of minimum 1 lac must be given or else open simple account by giving 10/ 25k cheque and later upgrade to exclusive via Pinnacle card.
            Just that I didn’t want to take any chance.

            Haven’t opened family accounts yet, so can’t say.

            Let’s hope they send vouchers at the earliest.

          3. Himanshu

            When I registered the complaint that I have not received the voucher, they gave me a random date and told me that they have already sent the SMS. After raising the issue via Twitter, call center, and email, I was given a link to redeem the voucher.
            Then, the link said I am not eligible for the offer and I was told to contact gyfter as Indus has already completed their process. Gyfter asked to contact Indus and this continued for a while. Their customer support is super slow and sends a copy-pasted reply pretty much every time.
            Then, one fine day after close to 2 months, I got the SMS and I was able to redeem the voucher.

          4. Mahadev

            @Siddharth, yes the pinnacle card is sufficient for family banking accounts for Exclusive category.
            Since past 2 years we have multiple bank accounts on a single Pinnacle.
            It took lots of efforts that time, to avail this Pinnacle route for Exclusive Bank Accounts.

          5. RAVI RANJAN

            Hi Sid,

            First of all, thanks for the review!

            Secondly, I’m holding maxima savings account in indusind bank. So, can I upgrade to complimentary indus exclusive based on this card?

          6. Ramesh Kumar

            I have visited two branches in CBE, but branch officials don’t have any clue this even after showing their website and forcing to open indusind privilege account with AMB of 10K. Finally raised to indusind customer care asking how to open exclusive account with pinnacle relationship in CBE, no response from them yet on this.

          7. Ramesh Kumar

            Seems IndusInd customer care routed the compliant to one of the branch where I enquired few months ago where branch officials told no option like that. Today, received call from branch manager saying it can be done and he’ll come in person to open exclusive account via online application based on pinnacle relationship.

            Does anyone know still there are issues(not able to perform online transaciton) with MC world debit variant? Or it’s better to select VISA signature variant?

          8. Muthu

            How to apply for the same? By calling customer care? I could not find any option to apply online. I am not an existing indusind customer.

        2. Karthik

          I was informed the welcome vouchers will be activated once you make the first payment. You need to contact them after the payment and they will send a sms code to use in gyftr website

        3. Ashish Gupta

          I contacted the RM for Pinnacle Card. He says I can avail the Zero AMB Exclusive Account only if I signup for Pinnacle by paying 50k + GST.
          If I get the card by paying 15k + GST, then I cannot open exclusive account with Zero AMB.
          Is that true ?

          1. Ramesh Kumar

            There is lots of confusion in this because branch executives not fully aware so better raise concern to customer care then they’ll route to the right branch executive to take appropriate action.

            In my case they told me it’s not possible initially, after raising the concern to customer care about the same branch executives solved the same by getting few approvals to open an exclusive account.

          2. Sudheer

            I got Pinnacle card through Bank bazaar with no Joining fee and opened exclusive account last month and got the confirmation from customer care that I don’t need to maintain any balance.

          3. Satish Kumar Agarwal

            No. I have opened Exclusive at Nil AMB via Pinnacle at joining fee of 15K, but opening cheque of minimum 1 lac was demanded by executive.

      2. Dharmesh kamdar

        Hi i am holder pioneer account, so still I need to pay 15k joining fees for the same..

          1. Ashish Sharma

            Hii, I want to start relationships with Indusind Bank any Basic Credit card .
            There are no any Branches of Indusind bank in my city . ( Nearest branch 120km )
            How can I start my journey.


        Dear Siddharth,

        Does Indusind bank provides second credit card with separate limit. For example, ICICI, AMEX, SBI and AXIS provides upto 2-3 variants to customer with different credit limit. However i heard from executives that it is not possible to do the same for INDUSIND and RBL. Please clarify. I am already having INDUSIND pinnacle credit card and is it possible to apply for INDUSIND LEGEND CARD also.


        Hii sir,
        I have upgraded to pinnacle indus card.
        When i applied for pinnacle bank relationship manager told me that you will get 15 k voucher.
        But my eligibility for redeem comes only 12 k.
        How to get 15 k vouche.
        Kindly help me.

    2. Abhi

      Had got Platinum Select some 6-7 years back, which was also 1500+tax on joining and free forever after that. No welcome benefits though. Once I got other super premium cards, I gave it up.

    3. Amitabh Maheshwari

      Same is with ICICI MMT Signature Card. You pay ₹ 2500 and then it is LFT. You get ₹ 1500 discount on MMT on first use of the card at MMT and double black free membership for one year. A lemon tree hotel voucher too.


      The credit card is very dynamic and most of the credit cards do not charge Joining/Renewal Fee. Joining fee of Rs.15,000/+18% GST is very high. Though customers are attracted by way of offer of gift vouchers for Rs.15,000/- it is indirectly forcing the customers to buy products online, only from a select few sites. Why would any customer opt for such a credit card ?. In the present world a customer is a King and he need not be bogged down by such misleading offer.

    5. Mathur

      Feel cheated – Got my indusind pinnacle card for one time joining fee of Rs. 13500+ GST(roughly Rs.15000) in 2020. Was assured that no renewal fee and complimentary golf games at select golf courses. Now they have imposed a condition of Rs.25000 spend in billing cycle to avail complimentary golf benefits. I feel cheated by Indusind credit card management for going back on their words. Will anyone pay Rs 15000 for a credit card without benefits program imposing 25000 spend condition.

      1. Siddharth Post author

        25K spend requirement for Golf was there for a long time, Mathur.

  2. Akshat

    Which one do you consider better among the two Iconia or Pinnacle.
    Apart from amex targeted offers, does iconia have a leg up this card?

    1. Siddharth Post author

      Pinnacle. But Amex offers on Iconia are good, except this year.

  3. Prashant Gupta

    2.5% is good but will still stick to SC ultimate and infinia and dcb. Have loads of points on SC which i am planning to redeem for the PS5 from Croma 😀.

    1. Niraj

      Can multiple Croma vouchers be used in single transaction or offline store that we get from their 360 rewards website?

      1. Vivek

        How to pay iconia amex bill from hdfc bill pay its not getting credited

  4. Anirudh Agarwal

    Please do update when you get your vouchers. I wanted to apply for the card but was concerned about the delay in vouchers or If there is a catch.

      1. Jigar Shah

        I got vouchers after statement generated,

        You will get gyftr voucher by message

      2. Jasdeep

        It took me 3 months to receive my vouchers, they’re bad on this front.

    1. Karthik

      Received vouchers after 2 months of follow-up. There are no catches in redeeming the vouchers. Basically they give you a credit of 15000 in mygftr, so that you can redeem any brand gift vouchers they offer. You can also chose multiple brands with different denominations totalling 15000. Sorry, only catch is these gift vouchers have a validity of close to1 year.

      1. Karthik

        Just wanted to add that I did not receive priority pass card yet. If anyone has received please let us know the procedure.

        1. Gopinath

          You have to email Customer Support for the PRIORITY PASS card. I got it within a week after sending the email

    2. Washim Rahman

      You can request your branch manager to get your voucher. I got my voucher after 3 months.

    3. ALPA SHAH

      I speak from bitter experience, please do not make the mistake of getting taken in by vouchers as welcome gift. It is a nightmare trying to redeem them. I got yatra vouchers for 50k and they are non-transferable, one time use and non-refundable. Any cancellation and you lose the money. Please beware of these gytrapp vouchers, you will spend time shuttling between Indusind, gyftapp and the voucher company and no one will take responsibility for the vouchers. It’s like one it’s sold, it’s none of our concern.

  5. Ankur

    Website says:
    Priority pass membership for you AND your partner. Value shows USD 99 x 2
    Unclear, as T&C says “Priority Pass membership is complimentary for all IndusInd Bank Pinnacle Credit Cardholders.”

    Regarding golf privileges: Website says 4 complimentary golf “sessions” (??) but T&C says 2 games and 4 lessons
    (your review says 4 games and 2 lessons)

    BTW, I went to the website to apply and it says call the given number. I called the given number, it says go to website to apply. LOL

    No where on the card details page the fees is mentioned. after going through every document on the entire website, found a “schedule of charges” general pdf which says fees is 12,999


    1. Siddharth Post author

      Welcome to IndusInd Credit Cards. 😀

      P.S. I’ve mentioned the numbers taken from the website that’s marked as latest.

    2. Thevendhiran kamaraj

      Dear Ankur basically you can also get the card for Rs.12999 without voucher, earlier it was Rs.25000 voucher card. So, those who are not interested to spend Rs.25000 as joining fee with voucher benefit , will just pay Rs.12999 with no voucher and get the paid card

    3. Shivi

      “BTW, I went to the website to apply and it says call the given number. I called the given number, it says go to website to apply.” 😂🤣😂🤣

      1. The Conscience

        Same happened to me. I’m still trying to figure out how to apply… Just DM in Twitter . No reply yet been 5 days. Sb Golmaal hai.

  6. Viswateja

    Abstract from Indus ind website:
    E-commerce transactions – ₹ 100 spent = 2.5 reward points
    E-com travel and airline transactions – ₹ 100 spent = 1.5 reward points
    E-com utility transactions – ₹ 100 spent = 1 reward point
    PoS, MoTo, IVR transactions and Standing instructions – ₹ 100 spent = 1 reward point

    KIndly please confirm whether all Online spends we get 2.5 rewards or only for E-commerce transactions only.

    Kindly update on rewards accrued for Redgirrafee/Nobroker/Payzaap transactions

    1. Sushant Kulkarni won’t..for Paytm it will give sometimes 1% and sometime 1.4%. Reward logic was totally screwed up

  7. Bhavye Goel

    Indusind declined to give me a Pinnacle Card on split limit on my Iconia Amex which is currently having 180K limit. They are asking me to upgrade to Pinnacle and Iconia will be closed or get a secured Pinnacle card as a second card. Even though I am having exclusive account and also escalations to nodal level also didnt help. Can you please guide how did you apply?

    1. Siddharth Post author

      Maybe you tried when limit eligibility was higher for Pinnacle? I had to put a pressure on RM to get it done.

      1. Bhavye Goel

        It was as recent as November 2020. I was try pursuing it with my RM.

        1. Siddharth Post author

          Then you’ve to escalate it further. In my case RM connected me with someone else.. some sort of regional cc sales guy or so and he got it done.

          1. amit

            I have indusind amex iconica cc , want to get the Pinnacle card too , but never found the CC number of Indusind bank , can you please guide how to know who will be my RM , i only have CC relationship with Indusind.

  8. Captain Bishuddha Bharatiya

    It’s a good card and one of the few cards which still gives rewards points on wallet load. Guys I would like to share a trick. Instead of directly paying utility bills through Pinnacle ( 0.7% rewards ) you can load Mobikwik Amex prepaid card. You get 1.5% and than you can use this prepaid card to make utilities bill payments. I applied this card about 2 months ago through card to card basis of my Diner’s Black ( Rs. 4.80 lakhs credit limit ) and received Rs. 1.50 lakhs limit in Pinnacle. No physical verification was conducted. They are really transparent about rewards points and we can clearly see in the statement that we got how many rewards points per transaction wise. Automatic credit limit enhancement is not good in IndusInd bank. So Siddharth could tell us how often you get LE and by what percentage?

    1. Shubham Jain

      Can you elaborate on this mobikwik american express prepaid card. What is this and how to get it.

      1. MrNightStar

        How to get: Go to Moikwik app, see near top right. There is little AMEX logo, click on it.

        Mobikwik card is prepaid card which uses mobikwik balance. You can load mobikwik balance using DB/CC/UPI*. So, you get AMEX offers (if they extend it to partners like ICICI and IndusInd. Recently i got 300 off on 2000 in BigBasket).

        Mobikwik Blue AMEX Card gives 1% Supercash on every transaction. And it can use upto 3% Supercash you have lying in Mobikwik.

  9. Suhas wakankar

    I have indusind exclusive account for past 3 years, invested in MF, term insurance plans for self and family, also have medical insurance /health plan through IndusInd bank Aundh Pune branch. Pathetic service, poor knowledge of the bank staff, couldn’t care attitude of bank is shocking. HDFC and icici bank cards are far superior. I am using them as well. Avoid indusind bank all together. Rating. 02 /10

  10. Mouli

    Anyone who hasn’t got the welcome gift can claim it using this link after paying the joining fee.

    Took a lot of escalations to get this link

    1. Siddharth Post author

      Yes, have tried this too. It was mentioned in the form where I signed. But the problem is it doesn’t work for me either. Maybe they want us to redeem it within some X days?

      1. Ramesh Kumar

        Received welcome benefits today after raising compliant few weeks ago with 90 days validity to redeem the same.

  11. The Conscience

    What’s the minimum credit limit required for card to card basis ?

    1. MrNightStar

      My branch guy was ready to accept my SBI card having limit of 120k. Go figure. If i get i will update.

  12. Daksh Setia

    Use Pinnacle credit card in Payzapp To get 2.5% Cashback on Utilities as they submit this transaction as retail transaction +5 % Cashback From Payzapp on using Promocode Bill Pay( Max Rs 125).

    1. MrNightStar

      Is this also valid on loading PayZapp for Swiggy etc?

      PayZap appears as ‘Transfer’ in OneCard and SBI also doesn’t give points.

  13. Phanindra Mothay

    I have been using the indusind pinnacle card for more than 2 years now and I want to say that I have been very happy with it. Before this card, I had the indus ind signature card which was also pretty good. I do spend a decent amount per month on this card though I have 4 to 5 other cards as I like their reward points program. The fees was 25000 when I took this card and got travel vouchers for the same with the first statement. Overall I have been using indusind cards for the past 6 to 7 years and I have no complaints.. infact we bought a lot of things with the reward points over the years 🙂

  14. Sanu D

    Once I wanted to apply for an exclusive IndusInd bank credit card as my first impression about this bank was very good, I found this bank is very innovative as they were first to introduce a duo card, account number selection and so on. I really liked those concept but as people say not to judge a book by it’s cover. When I first contacted the customer care to apply for a card, that was a very bad experience, I could not find any option to speak to an operator being a non customer. When I finally made it, they noted down my number but no one contacted me for so long. I visited the branch but people were non professional and I finally did not apply after hearing them out about the Benefits and all coz when I asked them a few questions they had no answer and I thought something was not right, I found, behind every benefits that they offer, there is a hidden policy. This bank is not transparent to the public at all. Take 1 lac first deposit for exclusive ac for an example. In these days, there are many credit card of other banks which offer a lot more good benefits in my opinion. Holding a super premium card makes no sense if someone can not utilise it completely, it will only help them to show off. This card provides golf access, now if I know that I will never play that game in my Life, there’s no point to get attracted for this card for that reason. It’s very important to understand the benefits that a card provides and your true needs, the benefits which will actually help you to gain. If I will get a better features which will suit me according to my true need, I am happy to take a rupay card as well. Don’t fall for their marketing strategy. Cheers.

  15. Upendran

    I have both Flipkart Axis and Amazon ICICI cards. Not sure if this is worth it.

  16. Aditi Purohit

    E-commerce transactions – ₹ 100 spent = 2.5 reward points
    E-com travel and airline transactions – ₹ 100 spent = 1.5 reward points
    Bill payments 1 reward point

    Too many conditions for my liking
    Apparently ecom travel doesn’t gets 2.5 reward points

    It’s almost like INDUSIND is reluctant to give anything away

    1. ManzB

      Better to go for SCB Ultimate
      3.5% return on all spends including wallet load. All points are properly detailed out against each txn. It gives unlimited lounge access to both the primary and add on card holders.
      The negatives are
      -No way to get waiver to the annual fees of 5k+GST but they gives points worth 5K against that.
      – The reward catalogue is limited. Not many worthy redemption options available. The popular ones are not available most of the times.

    2. manoj singh

      Sid what it means
      E-commerce transactions – ₹ 100 spent = 2.5 reward points it means Amazon flipkart grofera etc. No other online transaction are valid for same

  17. Rajesh

    Is this the highest cashback rate available for general online spends Sid?

    I’ve only seen HDFC Millennia offer 2.5% but it was way too restrictive. And others I’ve seen, like Axis ACE and RBL Edition cards are 2%. Though ACE is still probably the highest for offline spends.

  18. Mahesh S. Panicker

    I have been getting upgrade offers from IndusInd for my Platinum card. They initially offered me the Legend card, today I got a call to upgrade to Pinnacle with 15000 and voucher. Surely better rewards than Platinum, but with most of my spends online being on Amazon and Flipkart, and with me having the AmazonPay ICICI Card and Flipkart Axis Bank Card, not sure this would be worth it, Particularly since they aren’t offering a waver for this card, though I got my Platinum card joining charges waved off by spending 25000 within 60 days. Even the lounge access isn’t any greater than HDFC Millennia that is providing 8 domestic lounge access per year on a card that has become LTF for me, and is otherwise available for a yearly fee of 1000 that can be waved with a 100000 spend in a year.
    IndusInd needs to up the game to make it more attractive. Simplifying the rewards can be a start, 2.5 for all online spends, 1.5 for everything else probably?

  19. The Conscience

    Anyone knows in detail? Paisabazaar giving this card in 12999. Paisabazaar Customer care is always as usual lack proper knowledge.

  20. Raj

    Compare to this card doesn’t Axis Bank Ace credit card seems better as ACE has base rate of 2% ?

    1. RRB

      All points are not equal. You need to see what a point is really worth in rupees. In the case of Indusimd it’s 1pt = 1Rs (or maybe 0.75 now). That’s not the case for Axis.

  21. MrNightStar

    Anyone can tell me cost of playing golf using credit card green fee waiver? Location: NCR

  22. Varun Rai Kapoor

    Hi Sid – Can you please help with debit cards which give a cash back ? Say if I use them for credit card bill payments. I don’t think Citi gives debit card points on bill payments for instance.

  23. Vineet Punjabi

    Hi, @Sidd,
    Wanted to ask you that did you update your iconia visa to pinnacle card, or you’re using it as a second card with iconia.
    As I spoke to the bank person he told me we cannot hold 2 cards of IndusInd bank.

    They said we get visa and Amex version of iconia and you can upgrade the visa version to higher variants cards.

    Thanks !

    1. Siddharth Post author

      Holding both. Ask them to consult with some senior CC guy. They will come back with a “Yes”.

      1. Karthik

        Hi Siddharth,

        Did you receive the complementary priority pass card?


      2. Sai Narayana

        I am facing same issue. They denied my request to retain Iconia Visa variant after obtaining pinnacle variant.

  24. RRB

    I saw in another comment on your site that statement credit is now 0.75 instead of 1:1 – – is this true?

    1. Bhavin Shah

      I just converted points on my iconia where conversion was 1 re, so for pinnacle it cannot be 0.75

    2. Nikhil

      It is still at Re 1 as per website. I even redeemed my points today @Re1 conversion

  25. Vineet Punjabi

    I spoke to him he told me that you can take it against an FD.
    Will get 90% Limit of the FD

    I have told him to check it with senior guy as you said.

    Which account variant you have in indusind?


    1. MrNightStar

      So, i asked branch near me and they said 80% with any FD amount and suggested 50,000 INR FD! Like at 80% limit, minimum i need is 62.5k for it to be 50k minimum as SId has said to be starting range of this card.

      Anyway, you got the card?

      P.S. Asking me to open online acc with 20k MAB and lifetime no MAB from next year. I think acc is Indus Maxima.

  26. Sagar

    What is the Markup fee on International transactions?
    Is 2.5% reward points applicable on International spends too?

  27. Leelaram D

    Hi All,.

    Any link where I can refer for Nil balance IndusInd Exclusive savings account.

    IndusInd Exclusive Account:
    Complimentary, no need to maintain the Min. balance / NRV

  28. Sahuja

    Their website says priority pass is valid for 2 years. Any idea whether it can be availed of for a further period without payment of any fee? Or does one have to pay the yearly charge applicable to priority pass card? Customer executive says on calling costumer care after the 2 yrs period is over, priority pass will be renewed free of cost. Any idea if this is actually true?

    1. Shimul

      It should be free of cost renewal as long as the card offer free PP membership.

  29. Bharath Gurram

    I have applied for this card and got it 2 days ago. Joining fee is not yet charged on my card. When will they charge it? If they don’t charge it, can I assume that my card doesn’t have both Joining & Annual fee?

  30. nandha kumar

    I have indusind aura credit card with 1.5 lakh limit.if possible to upgrade to pinnacle card.if possible how to get

  31. anand

    Can anyone please elaborate on the lounge access facility for add on card of pinnacle cc .. getting calls for upgradation to this card from my existing one. I would like to factor in that information before saying yes or no. Any help will be much appreciated.. thanks

    1. Amandeep Singh

      1 Free Domestic Lounge Visit Per Quarter
      2 Free International Lounge Access Per Quarter via Priority Pass

  32. Alex

    What about the existing reward points when you are upgrading to this card? For ex: I have Aura card with reward points around 2000(worth Rs 1000) , will it converted to 1000points in Pinnacle card?

  33. Satish Kumar Agarwal

    Received the welcome vouchers of 15K today and redeemed immediately for Amazon pay GV.

    Basically you get an option to select among various brands available at GYFTR and can select multiple among them to make it 15K.

    1. The Conscience

      Bro, I cant find an option to apply for this card. The number provided on their site is useless. How did you Apply? Any tips in overall process would be highly appreciated.

    2. MrNightStar

      How much time did it take you from applying to approval to delivery. And later, getting vouchers.

  34. Nikhil

    Today I received 15000 welcome gift voucher which I redeemed for amazon vouchers. I also received priority pass yesterday but it has validity of 1 year only. Might have to request again next year.

  35. Sai Narayana

    What’s the complimentary Exclusive savings account opening process, customer support team telling that we have to open account normally and then link it with Pinnacle card through branch to get zero balance benefit, is it true or there any other way around?

    1. Bharath Gurram

      I am looking for answer to this question as well. Any help will be appreciated.

    2. Ramesh Kumar

      Yes, if you’re already hold pinnacle card. If you’re opening both together by visiting branch then initial deposit not required, this what branch manager told me when I asked why initial deposit required if it’s going to be zero balance.

  36. Sahil Aggarwal

    The fees has been raised to Rs. 25 k excluding GST. Other benefits are the same…anyone else got any idea for fee update.

    1. MrNightStar

      Yes, I’ve been told the same on Jan 1 2021. Gonna apply tmrw. They are giving vouchergram for the same. just 4500 tax.

      1. Ankur

        Remember that 25k vouchergram doesn’t include amazon. It includes select brands mentioned on the website

        1. MrNightStar

          Well, that’s a revelation. Thanks for telling this. Where do we have to select voucher? Can I tell the customer service when they’ll call for confirmation regarding card.

          For amazon voucher we have to take gyfter?

          1. Ankur

            Yes, seems like the case for Iconia, but not for Pinnacle.

            After making the payment for annual fees generated in the first month statement, call/email customer care and request them to send the welcome gift.

  37. Ankur

    Yes, it has been raised. While applying last week, I was informed that fees is increasing in 2 days. I immediately sent the application and booked my card for 15K.

  38. Murali

    I had applied on 2nd January. Fee is still 15K + GST. I got confirmation call from credit card dept before processing.

  39. Kushal

    Update: Now you will receive only 12k amazon vouchers and rest of the vouchers you can get 15k like pantaloons, etc for a fee payment of 15k



    1. Bala

      Sumit try the link shared by Mouli on Dec 10th. If u r lucky keep us updated.

  41. Nikhil Punj

    Hi All,

    How long does it take to receive the gift vouchers and the priority passes. I see everyone complaining about the delays in the Gift Vouchers looks like 3 months is normal with a continuous follow up


  42. Samtha

    Hi All

    Does anyone know what this record means in the credit card bill “PRINCIPAL DEBIT ADJUSTMENT”. I have and CR and CR record with this line item

    1. Shivi

      @Samtha – It’s an overcharge or undercharge on your previous bill that has been identified after the fact, possibly due to an estimated reading at the time of settlement.

  43. Anubhav Sharma

    I have applied for the card through branch.
    Can the author or someone share with me the link on their official website where it says exclusive account as a complimentary benifit. The branch people are totally not agreeing for the same. I have no problem in initial funding of the account but am sceptical about using it as primary account in the beginning

    1. MrNightStar

      Well, they asked me to open Online account with 20k funding and 294for debit card. You can do this.
      Later I plan on calling customer service to get it changed.


    Hi Anubhav,
    Recently I upgraded my Aura edge to Pinnacle… Not even 1month time…
    I opened online savings account first then…. Reached branch…… Initially will look like they don’t have info.. But surely they are aware of, depends on how we have interaction with them.

    Bank branch officials helped me to change it to EXClUSIVE savings account in just 3 days …. No charge or funding. Bank branch official works good and promptly.


    Navigate to IndusInd EXClUSIVE savings account page.
    Then go to Eligibility Criteria..
    Then scroll right. Till you see Credit. Where you can see..
    Indulge / Pinnacle Credit Card*

    That’s it.

  46. Anuj

    Dear Mr Siddharth,

    I would like to compliment you for your encyclopedic knowledge of credit cards. I am an avid reader of your posts and have gained quite some knowledge of credit cards from here!

    I am holding an IndusInd Iconia Amex Card. Could you guide me in finding what offers are being offered through Amex here? That is apart from the Amex Airport Lounge access?

    Moreover, i have been contacted by the bank, informing me that I can get my Iconia Amex Card upgraded to the Pinnacle credit card, that too without paying any joining fee. I asked them again, and they said that there was no joining fee. I would just have to purchase those vouchers of Rs 5k, 10K or 15k variants.

    Long story short – is it worth upgrading Iconia Amex to Pinnacle? Does Pinnacle have better offers, say in terms of reward rates, milestone benefits, dining offers or travel offers? I would be very grateful if you could clarify.



    1. Shimul

      That’s how Indusind bank work. I.E. you have to pay the fee of 15K+GST and you will get vouchers of 15K only.

      About Pinnacle:
      Check Pinnacle and Iconia again. Compare with your requirements then decide for yourself. Pinnacle is good for online spending.
      Reward rates 1 point Rs 1
      No milestone benefits.

  47. The Conscience

    Hi All,
    wishing Any Well Experienced Reader about Indusind bank would help.
    what would be the best Strategy to get Pinnacle plus Exclusive Account with minimum requirement and hurdles.
    it will help everyone.
    Thinking to get their Basic free card then open account and upgrade card to pinnacle and then convert account to exclusive.
    im eligible for all card though but striving for the best way .

  48. madhavan

    I am having indusind pinnacle credit card ,my credit limit is rs 2,00,000.card gives 2.5 rewards point per rs 100 spent so I wanted to know whether in the same month like for example I spend rs 2,00,000 using the card and pay the credit card dues on same day and on the next day I again spend rs 2,00,000,I want to know whether I would receive the reward points upto assigned credit limit i.e rs 2,00,000 or rs 4,00,000 (total amount spent in same month)

  49. Murali

    Thanks Siddharth for your review.
    Myself and my family having SB accounts for past one year. While applying for Pinnacle card, Bank person told me I can upgrade to Exclusive SB category and group all my family members (3 account) to Exclusive group.

    I had applied for Pinnacle card on 2nd Jan and received card on 26th Jan. I wanted to upgrade my account along with family members A/Cs to exclusive.

    Now trouble starts.. Bank person says card holder account only can be upgraded to Exclusive. Familiy members accounts canot be upgraded to exclusive. Family grouping possible only if NRV of 20lakhs maintained.

    Any comments?

    1. The Conscience

      Hi , just today I confirm this from IndusInd bank cyber city branch gurgaon. It’s all upto branch manager, he can even get you 15k fee with gift card or even 25k without gift card. It’s all upto them and how you present yourself if you personally know them they will do it in the minimum.

      No need to maintain 20L, tell them my friends already added without any requirement.
      I just applied today,
      Just wanna ask if they do address verification because since most of us working from home and I’m not present at rented ncr flat. If they do address usually then I have to manage accordingly.

      1. Shimul

        They do address verification for sure. Recent 2 CC applications did address verification and CC approved also. A person will come to the address. He called address verification Indusind bank bla bla. Meet him at the gate, ask for ID proof.

        My application was a self-employed business without a display board. Asked about the office told him on another floor (apartment building :p) but due to covid working from the apartment as an outsider is not allowed inside.

        I have few years old Exclusive account.

  50. Shimul

    Received my 15K gift card at the promised time.

    Statement generation with Anual fee > Pay the bill > wait 10 working days > Call customer care ask for the Joining benefit > wait 15 working days to get the SMS from Gyftr.

    In my case, it took 20 days from the request to received the SMS from Gyftr.
    I did check on the Gyftr link almost every day till I get an SMS always saying Not eligible.

    Link / indusindcreditcards

    Hope this helps.

  51. Nandhakumar

    Today confirmed customer pinacle card annual fee is 15k+gst .with 12 k gift voucher…@sid this is good upgrade

      1. Rohit

        I applied on 2 days ago (25th) via branch…. No credit card relationship with IndusInd, got call from +9111*** recorded line about fees and benifit. He told me 15k fees and 15k vouchers of Amazon, Flipkart, etc……

        Now I’m worried, if i get 12k only Amazon voucher 😭

    1. Muthu

      I am trying to get this card. How did you confirm ? When I called customer care, the IVR instructs me to visit website to know about premium cards. I am not an existing Indusind Customer.

  52. Rohit

    One more thing, branch people told me that same amount of voucher will be given for new application…..

    Only case of upgrades, people will get reduced amount voucher… Is this true? Or I’m in big loss if card will approved.

    1. Gagan

      I am also keen for this card. Spoke to Sales Lead in Delhi (got name from a friend).

      My understanding is the following:

      1) For upgrades, there is the offer of
      12K vouchers (for essential ones like Amazon, Flipkart, BigBazaar etc) or
      15K vouchers (for non-essential ones like Raymonds, Pantaloon etc)

      2) For new cards (regular unsecured ones, on basis of Cibil score), a person gets the option to choose 15K vouches (be it essential or non-essential)

      3) For new secured cards (taken basis of bank FD), a person gets the option to choose 15K vouches (be it essential or non-essential). Further if one opens a bank account too, there is also the option to get back extra cashback equal to the GST amount paid on card fees (~3000)

      I am getting more details, but those getting this card, should prod and get all info

  53. Sandeep Kumar

    Does nil charges means card is LTF 2nd onwards? Or bank has rights to charge you in future , including for non maintenance of AMB in Exclusive account ?

  54. Muthu

    I am trying to get this card. How did you confirm ? When I called customer care, the IVR instructs me to visit website to know about premium cards. I am not an existing Indusind Customer.

  55. The Conscience

    Got Pinnacle yesterday, Got my Exclusive account almost open. I just want advice which debit card to go for. It’s free .
    Visa Signature or MasterCard world.

    1. Satish Kumar Agarwal

      Visa Signature is little better bcoz of flawless international transactions as reported by some users.
      Otherwise merchant offers n everything else is almost same.

      Even upon insisting for Visa Signature card & mentioned the same in ac opening form, I was still issued MasterCard version.

      1. Gagan

        I understand that nowadays one gets only Master Card variant for Pinnacle Card

    2. Sandeep Kumar

      Go for MasterCard World if you already have Visa Signature and vice versa.

    3. AshishR

      @The Conscience

      take mastercard if u want to cover more airport lounges,
      take visa if u want to enjoy buy 1 get 1 movie tickets (not sure if this offer still available post covid-19)

      better go for mastercard, but end of the day choice is yours

    4. Gagan

      @The Conscience

      Can you pls explain bit more? How did you apply for this credit card – basis fixed deposit?

      When you say got Exclusive account almost open – you mean basis this Pinnacle Credit Card relationship?

  56. Moh Nadim

    I have applied pinnacle credit card against FD for 1 year tenure and its so hard to get that 15k voucher anyway is there any other way to get the pinnacle credit card without FD as I want to use this card continuely I also have a IDFC classic credit card 62k limit sorry for my bad English


    Hi, i have indus upstox 3 in 1 account and i am using heavily. But did not use my debit card till now. On 8 march 2021 i got a call for pre approved lifetime free pinnacle / platinum card without any documents. As voice was not clear and i could not understand the card name. By mistake call was cut from my end. How will i know which card i will get and will there be any hard enquiry on my cibil??? Will i get call again or i can visit my branch. Any help from you guys ..

  58. Gagan

    Dear fellow users @Siddharth @Satish Kumar Agarwal @Mahadev @Ramesh Kumar

    Thanks for sharing your experiences and feedback here regarding Pinnacle Credit Card.

    I am keen to get the same, backed via Fixed Deposit and thus get the full fees back (15K of gift vouchers and additional interest on fixed deposit which sort of covers GST). But then I also want to be sure that one can Exclusive accounts complimentary here.

    From the local IndusInd Branch, am getting confusing messages. They say that a complimentary Exclusive account can’t be opened and one will need to maintain the relationship.

    Hence want to check with you guys, whether worth taking all this hassles. Is IndusInd true to its word? How is Customer Care & in general support?

    1. Ramesh Kumar

      You can open an exclusive account based on a pinnacle relationship.
      Yes, branch executives will confuse things and say there is no option like that but you can write email to customer care and they’ll route to the local branch(based on pin code or you can indicate in email which branch you approached) to do needful.

    2. Ashish Nikhare

      You can also go the other way round ! Open a normal savings account in Indusind Bank & then link your Pinnacle card with that account. Then ask them to upgrade to Exclusive account based on relationship of Pinnacle card which is a cross waiver for Exclusive account. Its even mentioned in their website. Download this pdf file – sob exclusive.pdf. Its clearly mentioned in there the eligibility for Exclusive account.

    3. Abel


      Can you please tell me more about the additional CB/interest on the FD part? Is it also for those who already have an account but wants to take a card against FD? And how to claim that interest?

      I contacted my IndusInd RM, for pinnacle against FD, he said there will be 10k charges + GST, and you will get a 10k worth essential GC. Even in the form, he sent to me, have mentioned 10k worth GC. He didn’t say anything about the GST part.

      I am shocked here people are saying it has 15k fees whereas he told me only 10k. Don’t know if it’s a recent change or he…

      1. Abel

        Sorry for the wrong info here, that RM was a half knowledge fellow. He changed his words and told me that 10k is for Legend card, for pinnacle I’ll have to pay 15k, and get a 15k essential voucher in return. He has no clue about gst reversal.

        I had no option but take it. 😐

  59. Shubham

    I received my Pinnacle card and upon calling customer care about INDUS exclusive account. They are totally not aware about the same. And they are asking about this. Can you please help and let me know on which page of IndusInd website its mentioned about the exclusive account as i am unable to find
    And let me know the process of getting exclusive account as i am holding one normal account with INDUS.
    Thank you all in advance

  60. Ramesh Kumar

    It’s mentioned in their website under eligibility section of exclusive account product or Google for “indusind bank schedule of charges exclusive account”, you’ll get PDF document as second result in that also it’s mentioned.

  61. Naveen

    Can anyone help me understand, Why is the exclusive bank account so sort out? What is so special about their bank experience. Currently I have citi suvidha account (which might get closed soon, since citi is exciting India) and SBI savings account. I mostly transact anything everything on online banking.

    1. Siddharth Post author

      Gives you access to Exclusive Signature debit card with 0% markup fee. Anyway its not a thing to consider in the current situation.

  62. Tanmoy Dhang

    Hey Siddharth,

    I have an indusind aura edge credit card with 50K limit. Called up customer care for upgrade to pinnacle credit card but customer care is telling me that i am not fulfilling limit criteria for upgrade. The limit for upgrade to pinnacle is 1,50,000 not 50k. So i was not given an upgrade. Can you please confirm the same of limit criteria in some documentation that indusind bank has released.


    1. Siddharth Post author

      It’s internal criteria, I don’t think they publish it transparently. They don’t even put the annual fees in main pages.

      They could have reversed the eligibility now, but I doubt. Better to try with another executive or send an email to priority care.

  63. PNP

    IndusInd Exclusive Account is Zero AMB but, Debit Card is not free! need to pay 249/annum.

    1. Murali

      Debit card annual fee is ZERO. Please refer bank website for INDUS EXCLUSIVE Charges

      Annaul Fee: Master Card World Exclusive Debit Card : Free
      Signature Exclusive Debit Card : Free

      Card Replacement : Signature/ Master Card World Exclusive Debit Card – 249 + Taxes

    2. Shivi

      It’s free as long as you are maintaining the required NRV.

      Holding Exclusive account & Exclusive card since 2018.

  64. Saurabh Juneja

    Hi Siddharth,

    I’m seeing pinnacle and legend credit card at 0 joining and annual fees.

    Should I go for them? Also, which one among both??

    Any suggestions would be appreciated.

    Thanks in advance

  65. Manoj

    Just received a cal from paisabazaar that I am eligible for IndusInd pinnacle credit card and its lifetime free. Can anyone suggest how do I confirm whether what they are saying is correct or they are lying. They are ready to give me on email.

    1. SS

      If you accept paisa bazar offers, you will get a call from indusin bank cc dept. Ask them and verify the same.

    2. Shivi

      Avoid third party sites. Better to apply through branch itself.

    3. Saurabh Juneja


      I got same offer but even I’m hesitant as how to confirm it.

      Thinking to call the customer care and confirm with them. Maybe they can give us an answer

      1. rocky sharma

        plz confirm is this card ltf without joining charges from the bank branch on card to card basis


    Hi Siddharth, thanks for your reply earlier. You have been doing wonderful job in giving us most updated info all the time.
    I have a request, will you be able to write a small review on InduSInd exclusive account?

  67. Akash

    Hi guys, can anyone please confirm if the 2 complimentary lounge accesses that come with priority pass can be used for domestic lounges? Or is this free only for international lounges?. If latter is the case then only 1 lounge access per quarter is a little low for a premium card.

  68. Shawn

    The Pinnacle Credit Card is now being offered at zero joining fees and zero annual fees on paisabazaar

    1. Naveen

      HI Shawn,

      Not sure but when I checked in Paisabazaar, it is showing 13999/- One time fee. COuld you please help shed light how you got it LTF and No joining fee please?

      1. Shawn

        Hi Naveen,
        Until last month it used to show a one time fee of 11,999/- for me on my paisa bazaar profile. Everytime a paisa bazaar sales rep used to call me I refused to apply for the pinnacle card because of the fee. When I casually checked on the paisa bazaar site again early this month, I saw that I had a pre-approved offer for a LTF Indusind Bank Pinnacle and Legend credit card. I applied for the Pinnacle Credit Card. I don’t know what triggered the offer since Indusind bank are not transparent about the fees on their cards, but it could be a combination of my credit scores (which paisa bazaar has access to) and the fact that I showed interest in the card on multiple occasions.

  69. Gaurav

    In Pre Approved & Pre Qualified Offers from paisabazaar
    I can see
    IndusInd Bank Pinnacle Credit Card MasterCard
    1st Year Fees: 0
    Reward Values: 1,66,130 (on spends exceeding 10,00,000)

    Does it means that it is LTF?

    1. Shawn

      Yes if the 2nd year fees also shows zero. In fact I even had the paisa bazaar sales rep send me an email to confirm that it’s LTF in addition to capturing screenshots of the offer and the application confirmation page.

  70. Anubhav

    The offer being provided by the PaisaBazaar website is a sham. Even i did checked the offers available to me at their website which showed the Pinnacle credit card being offered to me without any Joining or renewal fee. I did applied for the same through their website after selecting the Pinnacle credit card from the offers applicable on 16/05/2021. The concerned team at PaisaBazaar did confirmed that this card is offered as LTF.

    After completion of the video kyc and the other formalities with Indusind Bank, i was intimated over a call to the Customer Care that I have been issued the Aura Credit Card. I did told them that my application was routed through Paisa Bazaar for the Pinnacle credit card as LTF. I was told that this card is not being offered as LTF.
    Finally cancelled the application with Indusind Bank.
    PS: I did met there income and credit score criteria for the Pinnacle Credit Card.

    1. Anu

      I applied thru paisabazaar and completed video KYC on saturday. Already confirmed with Paisabazzar that its a LTF card. Now waiting for the call from Indusind bank. lets see if they do the same to me as well.
      I think its just a gimmick to get customer. If they find us valuable they will provide the card. If not they will reject it.
      Paisabazaar should also stop showing that its pre approved and be transparent about this.

    2. Akash

      Hi Anubhav, why didn’t you fight for the Pinnacle card if you applied for it & were eligible.

      1. Anubhav Gupta

        I did try through several mails to push the Indusind Premium Care Team to issue the Pinnacle Credit Card. But the efforts went in drain. I applied for this Card solely for the LTF offer.
        I recently applied for the Axis Ace Credit Card. I found it better rewarding with flat 2% cash back for offline transactions.
        I have SBI Click and Amazon Pay Card which offer better returns over online transactions,
        Apart from Amex MRCC and HDFC Diners Clubmiles which often come out with great merchant offers.

        1. PRAMTESH

          Check again on PAISABAZAAR if you are eligible for Pinnacle.
          If yes. Take the screenshot and e-mail them to the bank.


      But were you eligible for Pinnacle?
      Even legend and Aura are LTF (No joining fees)

      Even I was eligible for Pinnacle and Legend. I applied Pinnacle. When I received call from. Paisa Bazaar I was told I cannot apply further as I already have Platinum Credit Card.

      Later I requested Bank for upgrade. I was provided LTF Pinnacle No Joining Fees

      1. Fahim

        Hi Pramtesh,
        Can you please let us know ​your monthly spend in platinum card, how old was the card and what was the credit limit in platinum?

        This will help multiple people to upgrade to pinnacle

        1. PRAMTESH

          Hi Fahim
          If you are eligible for upgrade to Pinnacle or Legend (with Joining Fees)

          Call the bank. Tell them that Paisa Bazaar is offering you without Joining Fees.

          The executive may take the request, if not so speak to the escalation offer/manager. If you have good limit. They would do the needful.

          As far as my usage is concerned.
          I had used the platinum card only once. I have accumulated only 7 reward points.

          1. Vipin

            Hi Pramtesh,

            I got a message from PaisaBazar to apply for Pinnacle LTF card. I applied however I already have Iconia card with me. I applied it online from PB website and my application got rejected stating reason that you can’t have two cards from IndusInd.
            My CC limit on Iconia is 50K, I further called CC of bank they said you can upgrade to Legend, for Pinnacle you are not eligible as we take minimum application for pinnacle with minimum limit of 1.5 lacs.
            What to do now? I have all screenshots of message received from PB and application page screenshots which clearly shows I am eligible for Pinnacle.

            Please tell me what was your limit on Aura before giving upgrade request to Pinnacle?
            Might be we can get some criterion based on it.

            I further requested them to increase my limit as it is same from last year from the date it was taken therefore I sent them salary docs and they doubled it right now, so what should I do now ?
            Should I mail them again for LTF upgrade to pinnacle ? I don’t want to take Paid variant.

            Hoping to get your reply soon!

  71. Pankaj Gupta

    How do we get Priority Pass ? Is it sent by the bank by default or do we need to ask for it, also does the Priority Pass for this card have any expiry date (as like in SBI cards) or is it valid so long you hold the card

  72. Shawn

    Today I received the Pinnacle Credit Card applied through paisa bazaar. There was the initial hiccup as reported by others that IndusInd erroneously send the platinum aura edge card initially. When I called them they acknowledged the error and I received a call the very next day explaining that it was a technical glitch. They said I’d receive the Pinnacle Credit Card in 5 working days, which I did and assured me that it’s still LTF. I called customer care this morning again and they also confirmed that my Pinnacle Card is LTF (i.e. no joining fees and no annual fees)

  73. Krish

    I have applied for Pinnacle credit card through Paisabazar and it was pre-approved offer without any joining fee.
    I applied on 26th May and card got delivered to me on 1stJune.
    Very fast process and request you to guide me how to convert my existing IndusInd savings account to exclusive account.

    1. srikkanth

      could explain the procedure in detail about the document pick up & verification part?

      1. Kris

        Video KYC was done by Paisabazar and next day got call from Indusind for verification. Later card was issue to me in 5days.

        1. Ram

          Same i got call from paisabazar and today i received card PB executive said that card free for life time even they written in mail but I’m afraid of bank may charge

  74. Santosh Kumar

    was offered an upgrade to Legend LTF from Aura Edge LTF, I accepted the upgrade but I forgot to mention, I wanted the visa version as that had the movie offer for using once covid reduced. I got the MC version. Meanwhile got approved for IDFC select which also has a movie offer. once again IndusInd will probably gather dust again!

    1. Arun Kumar S

      Santosh, Do you hold IDFC savings account or applied directly for the credit card?

  75. Abel

    @To the people who got card against FD

    Does Indusind remove lien from the FD after a certain time without surrendering the card like Axis or the lien is for lifetime like ICICI?

    1. Gagan

      While I have not got the card on lien, but I did enquire at length as was keen to get same.

      The lien is for the validity of the card and you can’t get it removed without cancelling the card. Hope this helps.

      1. Abel

        Thanks @Gagan, I’ve checked your other posts in this thread. You have posted very helpful information.

        BTW, I see you mentioning about GST reversal for card against FD, do they do it even for those who already have account with them? If yes then what’s the process?

        My RM said he has no knowledge on this.

        1. Gagan

          You are most welcome Abel. Sharing is caring 🙂

          Nope – I understood that this GST reversal (essentially it is a higher FD rate) is only for new to bank customers. So existing people will not get this offer.
          Do note that I discussed all this around end Mar/early April. Not sure if still valid.

          Further out of 3 IndusInd people I spoke too, only 2 were aware of this higher FD rate to compensate for GST. They don’t sell it as GST waiver – more like an offer of higher FD rate 🙂

  76. Sanjiv

    Link your Pinnacle or legend card with Saving account and set up auto debit for card payment.
    Ask home branch to upgrade the account variant to exclusive. Once converted to exclusive, to need to maintain the AMB. The minimum balance requirement in system will still reflect INR 1.0 lacs, but non maintenance charges will not be applied by bank. Initially, even if charged, call customer care for reversal.

    1. MrNightStar

      Legend card doesn’t give access to exclusive. So how does this work out? Any proof of they give for this?

    2. Krish

      Is this information true and do you hold exclusive account with Indusind?
      If yes did they charge you non maintenance and later reversed on request by calling customer care.

  77. Sanjiv

    IndusInd bank is offering a LTF Zero AMC Demat and trading account from Kotak securities with one time fee of INR 99. for exclusive account holders.

    1. Kiran

      Hi Sanjiv,

      Can you pls give the source of this offer ? Also let us know how did you avail this offer ?

      As far I know it is just 2 years of free DEMAT account through exclusive account.


  78. santosh budankayala

    What is the main difference in Legend vs Pinnacle? The reward rate 1 vs 2.5 and movie offers and golf mainly?

  79. Sanjiv

    A small update to the earlier post. By mistake mentioned Legend instead of Indulge. Only Pinnacle and Indulge card gave access to the exclusive account.
    I do hold zero AQB Exclusive account on basis of Pinnacle card. I was charged max non maintenance charges of INR900.00 plus GST totalling to INR1062.00. Whole amount was reversed within 3 days from the day the SR was raised without any follow up.
    Regarding Demat account, RM called me and apprise on the same.
    Currently, Kotak securities is opening Zero AMC Demat account for HNI customers of Kotak Bank and IndusInd bank having exclusive account. Had availed the facility myself.
    2 year free demat was for Demat account from IndusInd bank itself which currently they are not providing and had now partnered with third party. Kindly check with RM.
    PS: HNI means here person having higher variant account.

    1. Krish

      Hi Sanjiv,
      I have upgraded my account to exclusive on basis of pinnacle card but multiple exclusive customer care executives told me that I need to pay my pinnacle credit card bill through exclusive account to avail zero balance AQB account. Can anyone confirm same or even if we don’t pay pinnacle card bill through exclusive account will still remain as zero balance account.
      @Siddharath or any other exclusive account holders can comment on above statement.

      1. Kushal

        So you had a normal bank account and then you upgraded it to exclusive?
        What was the process to upgrade it?

        1. Krish

          Yes i had normal savings account from past 4yrs and after going through comments in this site thought of giving try to get exclusive account.
          Coming to process its IndusInd bank service is worst need to follow up with branch, customer care and escalations. Of course it differs from branch to branch but still it is kind of some extra efforts we need to put to upgrade to exclusive.
          After raising complaint with customer care branch manager called me and helped with upgrading process it will be done in 2 working days after submitting application by branch.

      2. Ramesh Kumar

        Yes, branch manager mentioned this to me so I used to pay minimum due from my IndusInd saving account for first 4-5 months, then I faced issue in viewing my pinnacle credit card details from IndusInd app so stopped paying from saving account that for last two months till now no charges for non maintenance of AMB.

      3. Sanjiv

        The same was told to me as well to setup auto debit for the same. One needs to fill the physical form. It’s different from auto pay / standing instruction through net banking.

      4. Sandesh

        Hi Krish, have you got any update on this? Is your exclusive account now zero AMB? And are you still paying pinnacle credit card bill via indusind exclusive account? – I got same answer from Indusind bank. Your answer will be appreciated

  80. Ram

    i got call from paisabazar and today i received card with limit 300k
    PB executive said that car is free for life time even they written in mail but I’m afraid of bank may charge

  81. Ram

    When did they charge joining fee? did you receive anything on welcome kit regarding joining fee? Did you receive call from bank regarding joining fee?

  82. Saurav Das

    I have also received Pinnacle credit card today, applied through Paisabazaar. No mention of any charges in the single page on which card was pasted. Only card limit mentioned. No welcome kit or documents either. Any idea what they are playing at? Has anyone been charged for this card on application through Paisabazaar yet?

    1. Avijit

      How long it took to arrive at your address after applying?


    Hi Vipin.
    I don’t why I am not getting option to reply on your comment.

    My Aura Card limit was more than 2.5lk

    Write to grievance and mention that you would like to close your current card as you wanted to apply from pinnacle LTF from Paisabazaar.
    Also attached those screenshot which shows you are eligible for Pinnacle.
    As an exception they would upgrade.

  84. Satish Kumar Agarwal

    Received this Pinnacle card today. Applied via Paisabazaar on 20th May. Physical verification of address was also done.
    Confirmed with Indusind customer care, it’s indeed LTF.

    Received this card with handsome limit without any income documents. Infact it’s next only to my DCB and higher than 9 of my other cards.

    1. Tousif

      Hi Satish,

      Did it take more than a month to get it approved ? Please provide your timelines. I applied via branch on July 2nd , only verification on phone is done until now. How long should I expect it to be approved ?


      1. Satish Kumar Agarwal

        Yes Tousif
        It took quite long to get approved. Almost 5-6 weeks since applying.

  85. Ram

    This might be the super premium card but high value of transactions always leads to decline,bank blocks your card in few websites if you do more than one transaction on same website

  86. Pankaj Gupta

    How do we redeem points for cash credit ? Do we need to call CC or is there any option in app for availing it. Also, is Priority Pass sent to you by default or do we have to specifically apply for it. Any reward redemption charges ?

    1. Krish

      Yes we need to call CC for cash redemption and no charges for redemption. It will get processed in 3 working days and you need to place request for priority pass.

  87. Ram

    Just made a call to CC reedem 3180 reward points equals to 3180Rs, and i got this card without joining fee and LTF

    1. Sumit

      From where you got?
      Bank or any other like (paisa bazar/Bank Bazar)
      I got call for Zero Joining & LTF from Paisa Bazar… I doubt that is it safe or not?

      1. Ram

        I can’t talk about safety but i received pinnacle card through paisabazar and recently got first statement also it was LTF

  88. Mannat Juneja


    Can anyone please share the process to redeem the points on IndusMoments website for vouchers. I am unable to redeem my points on the portal. Whenever I go to redeem the points only a part of the points are getting utilised and have to pay for the balance.
    Thanks for the help!

  89. Kris

    After getting this Pinnacle credit card for second time that too for LTF and I have closed my 3months old Amazon credit card which am not using at all. Even the Amazon card is LTF felt why to hold unsecured loan for which am not using to give some space for other cards in future.

    1. Avijit

      From where you got LTF Pinnacle? Paisabazaar? How long it took to arrive at your address?
      I have applied for LTF Pinnacle on 9th June from Paisabazaar, still they didn’t give single update regarding application approval. CIBIL check & address verification also not done. Pl share your experience

      1. Ram

        Hii, Avijit
        I got card through paisabazar one month ago it took 15 days to arrive at my home from the date of applying, i asked frequently to the customer care about joining fee, they told me wait till the first statement and then on 5th July my statement generated and there was no joining fee in the statement. For your application call both the paisabazar and indus customer executive and confirm whether your application approved or not

  90. Deepak

    I got my Pinnacle LTF applying through Paisabazaar.(My CIBIL is above 800).
    It took a week for the process to start, after video KYC (no documentation) got the card in a week.
    I was waiting for my first statement to get generated to see if it is really LTF, and indeed it is, as they didn’t charge any thing for joining fee.
    I have requested for Priority Pass, it is yet to be delivered.

    1. Credit card maniac

      I was wondering if we apply through paisebazar for LTF pinnacle card. Do we still get exclusive account without any AMB even if the card has no joining fee?

    2. Rishabh

      I have similar CIBIL score, but never get option for Pinnacle card in PaisaBazaar site. Any other criteria which you provided while searching for credit cards on Paisabazaar?

      Any agent contact who helped in application process?

      Also anyone else who know any steps to avail LTF Pinnacle card?
      I have good CIBIL, existing high end credit cards from other bank, good salary.

      1. Deepak

        I logged in to PaisaBazaar for the first time to check my CIBIL score and few cards are already pre-approved based on existing existing credit cards.

        The whole process is online and no documentation needed. Only video KYC is done.

        I didn’t enquire for exclusive Sb account with zero AMB, as I don’t have any requirement.

  91. G Raman

    I was told that international free access on priority pass is limited to primary card holders only and add on card is chargeable
    Is it true

  92. Ameya

    Understand from my RM that this card has been recently discontinued by indusind post mastercard ban by RBI…Indusind will be launching some new card in it’s place shortly

  93. Ajai Singh

    Applied for Pinnacle LTF through Paisabazaar on a C2C with my HDFC Infinia “CL= 13Lac”. Gave the proof “DL/CC Pic/UID” to both Paisabazaar and Indusind “Email” but they did not process the same and instead offered the Aura Edge.

    Sent email’s to Indusind with the pre-approved Pinnacle LTF through Paisabazaar screenshot “Email = Case ID 09616640” and asked them to process it but it was not meant to be instead they told me over call that Pinnacle cant be LTF and only comes with a fee. My screenshot proving otherwise was worthless and I was again left out and there is where the 30th June deadline hit.

    It was a questionable offer from Indusind & Paisabazaar and not worth the torcher frankly. Overall my spends are almost 1-2L monthly on Infinia and had I gotten this the statement credit would have made sense but for now the Infinia/Amex Plat n Reserve combo is the only way forward.

  94. Ashwin ROW

    Hi I applied for the Indusind Pinnacle card 5 days ago on the Indusind easy credit online application portal. Got approved status on IVR and easy credit application. The Mastercard ban goes in from tomorrow(22nd onwards) so not sure if my card will get processed or if they may have tied up with Visa pr RuPay instead. I did not provide any income proof or CC statement nor do I have any existing relationship with Indusind yet I was offered the Pinnacle card LTF with a limit of 270,000.

    1. Ashwin Row

      Happy to update the card is received and points are being credited as expected for the 2.5% reward rate. Thanks for the review Siddharth.

      Strangely I applied via paisa bazaar and despite putting my income as 2 lac+ and specifically applying for the pinnacle I only got offers for aura platinum on paisa bazaar. Even calls that were made by customer sales only pitched cards other than pinnacle.

      Thankfully I applied direct via the bank site and they could see my profile and offered the pinnacle life time free and the legend with a joining fee of ₹5000. Wondering if I should go for the legend as well for offline spends.

  95. Rishabh

    @Siddarth, I had posted one comment 2 days back asking few details from Deepak, but it didnt got approved?

    1. Siddharth Post author

      Was approved but some pages might be served from cache and hence might take a while to reflect.

  96. Manoj Singh

    Applied the Card Via Paisa bazaar, All the process was so fast application done via Digital KYC and Video Call. This Card was pre approved on Paisa bazaar without any income documents on basis of Credit Score (As Confirmed by Paisa bazaar Executive) Without any joining fee and LTF
    Applied on 13 Jul 2021 and Received the Card on 23 Jul 2021.
    I was not Interested on this card hence ignoring but after reading this article applied for preapproved offer.

  97. Vikram Singh

    Applied for pinnacle card through paisa Bazaar but received legend card instead.

    1. Sri

      Same here. Got the card today.
      Called the customer care and they said it is because of the mastercard ban.

    2. AG

      I applied for the Pinnacle card (with fees) via branch on C2C basis. I’ve received the Legend card as well. The executive mentioned this was due to the Mastercard ban.

      I am leaning towards cancelling the card, unless they waive off the joining fees.


      1. Pratik

        @AG – Did they waive off the fee ? I have the same case. 15K plus GST for Legend does not seem to be worth it.

  98. Saurabh Singh

    Earlier I had Signature Legend (Visa) card, in Aug 2020 got an offer to upgrade to Pinnacle (Mastercard), upgraded to Pinnacle. Yesterday again got a message (offer) to upgrade to Legend card with increase in credit limit. what to do?

    1. Ashwin Row

      You have a good card with pinnacle. The only advancement you can make with legend is a 2% cb on retail weekend(offline spends) but that means you lose the 2.5% cb on pinnacle online transactions. See if they provide you the legends while retaining your pinnacle else you can apply to axis for ace card to benefit from the 2% cb. I just got approved for ace today. They are running a promo now to get 499 joining fees waived with 10k spend in first 90 days which seems attractive imo.

      1. Sumit

        I have Indusind legend CC.. just got month before.. as per reward..getting 2% on weekends for both Online & Offline too.

  99. Prasad

    Hi Siddarth- I have received an IndusInd Indulge card. I can’t find any reviews on the Indulge Card. They had reduced the One time fee to 90K and I thought it was a decent offer for a premium card. Any reviews or user experiences on the Indulge? I had an Amex Plat Charge- The 60K/ year fee was killing me and the AMEX lounges were only in Mum/Delhi and it sort of was no use for me. Please let me know your thoughts on the Indulge. Thanks

    1. Siddharth Post author

      May I know what made you to take indulge while there are so many good cards around?
      And what was the welcome benefit with 90K INR?

      1. Prasad

        Hi Siddharth- I had points on my previous IndusInd legend which I converted to cover the one time fee. They had reduced the fee from 2 lakh to 1 lakh to 90k. Vouchers worth 1 lakh at any of the 32 Genesis luxury brands plus unlimited amount swipe plus 6 free domestic lounges plus free unlimited international lounges. All these were available even in the Amex platinum but as mentioned, the annual fee was a killer. Any thoughts?

        1. Siddharth Post author

          Sad that you’ve fallen for that trick.
          Those points are money equivalent as you can redeem for cash credit to stmt as well.
          Btw, is it 90K incl. GST?

          Anyway, if you prefer those vouchers then its absolutely fine.
          According to me, higher limit is the only luxury with this card, as most Indusind cardholders have very low limit. Other benefits are outdated for this segment. They need to refresh the product.

        2. Pramtesh

          Should have waited for the MC ban to be lifted.
          You could have tried Pioneer metal card.

    2. The_Seeker

      is the no preset limit true if no what limit did they offer you, also do you have to pay a 10K + GST annual fee because you chose the 90K model. what voucher did you choose?

  100. Moh Nadim

    I am using IndusInd pinnacle credit Card from last year and this is against FD 56k
    51k limit I just want to know is there any way to use this card without FD
    I know it’s a premium credit card
    And I am not eligible for the annual income criteria for this card
    Ps. Sorry for my bad English

    1. Pramtesh

      There is a trick but I am not sure if it’s working 100%.
      One of my friend had a premium credit card with Kotak Bank with FD on 1lk.
      He was in need of funds so He closed the FD via NetBanking.
      And he was surprised as his card is still active.

  101. Krish

    Indusind has changed points redemption policy effective 8th Sept, now can you redeem only through Indusmoments portal that in multiples of 100’s.
    There is a fee of 100+GST=118 for each redemption which is not a welcome move.
    Confirmed by CC and now we need to think before redeeming.

    1. Babban Billo

      Escalate your request to the supervisor. They take your request as an “exception”. Hence, no charges shall be levied this time.

  102. Ankur

    Hello Siddharth, Does Indusind issue multiple credit cards to a user , I see that you Hold both Pinnacle , Amex Iconia and Signature Exclusive card from Indusind. please guide on How can we get multiple cards from Indusind

  103. Manikanta

    Effective from March 15th, now each reward point value for cash credit is reduced from Rs1 to Rs 0.75, so this card will slowly loose it’s shine.

  104. Krish

    IndusInd reward points value is devalued effective from 15thMarch 2022.
    I think now it is less attractive

  105. Pankaj Gupta

    Wef 15 March 2022, value of 1 point is reduced to 75p for statement credit

  106. Krish

    Got confirmation from INDUSIND CC that Pinnacle card is excluded from this change n they will update same in website too.

    1. Ram

      Thanks for update krish, i was looking for alternative to pinnacle. Sadly i reedemed 1000 points by paying 100rs charges😐

      1. Krish

        Latest update on Pinnacle credit card reward points redemption against cash credit is 0.75 effective from 15th April. Sad to know March 15th all cards were effected , exactly after 1 month indusind best card is also getting effected.
        I think it becomes some what less attractive.

  107. Chirag Singla

    Can we get renewal of priority pass membership on pinnacle card as we can’t renew on SBI prime card it is valid only for 2 years.

  108. Ramesh Kumar

    Pinnacle also getting devalued from 15th April 2022 as per their website.

  109. Ankur

    Got the following offer on my Pinnacle:

    Get 2X Reward Points upto 1000 on minimum spend of Rs. 40000 on your IndusInd Bank Credit Card ending XXXX between 05-April-2022 and 30-April-2022. For TnC, click – IndusInd Bank

  110. Vishal

    Are applications for pinnacle card started?
    Is it worth to apply for this card now?

  111. Ankur Wadhwa

    Hello Siddharth,

    Very nicely written thread, asking few question which were asked earlier,
    I came to know Indusind Stopped issuing multiple cards to One user ,
    are you still holding the Iconia and Pinnacle variant or you have upgraded to another card from Indusind.

    2nd Question to All the readers , if anyone able to get the Indusind Pinnacle Recently without paying any Joining fees , Branch guys telling that they are not issuing the card right now and can upgrade existing Indusind Mastercards to Pinnacle but with a Fees of 15k + GST.

  112. ajay

    One interesting q – why is everyone so keen on exlusive indusind account. What special u get apart from zero balance that u would use it over hdfc axis or icici.
    I understand we get it as free non AMB but then again why to use it given indusind bank would be lower in my preference compared to other banks i stated.
    Anyone pls highlight. thanks

  113. Dr Hari Kishan

    Pinnacle card holder since past two years now, but the movie tickets offer 1 + 1 in Book my show is never activated for this card. It shows the the feature will be starting soon.

  114. Altahf

    Indusind pinnacle card Take only joining fee not take Renewal fee is this right ???

  115. Vicky

    I made a closure request by email and no dues on 10th March. The bank has deactivated the card, but not send any confirmation of closure and no dues. Am i eligible to get INR 500 per day as fine for non closure as per RBI directive?

  116. Jagan

    Got a call today which they offering upgrade on my current NEXXT card.

    Is it worth upgrading? Considering fee is 15k

  117. Abby

    Got an offer to upgrade from Legend to Pinnacle today. No joining fee no annual fee. Absolutely LTF. But i see there is only 1 domestic lounge access for Pinnacle while Legend has 2. Please advise if i should take this LTF upgrade to pinnacle.

    1. Pramtesh

      If you don’t have account. You can get 0 balance Exclusive account if you have pinnacle

    2. Abby

      In continuation to my last comment regarding Pinnacle upgrade, since no one replied to my comment I just went ahead for the LTF upgrade from legend to Pinnacle.. I am surprised to see that I received the upgraded Pinnacle card at my residence (Delhi) thru Bluedart within 24 hours of submitting online upgrade request.

      1. Nikhil G

        Can anyone open online upgrade request, I am a newbie to Legend just received legend but I want pinnacle as ltf. My legend is ltf as well. Please let me know the steps. Thanks!

    3. Vishi

      I got same offer today over email, saying upgrade Legend to Pinnacle with quote “Joining Fees*: Lifetime Free and Annual Fees*: Lifetime Free”

      Could you confirm, if they charged you any Joining Fees or not.

      1. Pramtesh

        Even i had same offer. But i escalated and demand for no JF . After 2-3 follow-up. I got upgraded LTF without JF

  118. Salil

    This bank is notorious for mis-selling their creditcards, I got upgraded to Pinnacle after paying the LT Fees of 15k+GST, however, the benefits are close to NIL. you’re better off getting a regalia gold and using it for 6 years rather than pinnacle. Gyfter vouchers keep changing and you’ll end up with probably some brand vouchers which don’t hold any value.

    1. balaji

      Well said.
      Their business model is give CCs as LTF and every year pester them for paying joining fee for a new super premium card.

      I have IndusInd Iconia Amex. This was my first cashback card. Thanks to Sid for this blog , I get to know about this.

      Every now and then I get calls to upgrade to some, I keep saying the newly offered card and my current have almost same benefits, then they keep quite for a while.

      And on top of that abyssmal credit limits and too many robocalls.


Leave a Reply

Your email address will not be published. Required fields are marked *