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IndusInd Pinnacle
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🇮🇳 India · IndusInd Bank

IndusInd Pinnacle

High-end IndusInd offering, niche but well-regarded.

4.4 / 5
Joining fee
₹12,999
Annual fee
₹12,999
Top reward
2.5%
Min income
₹2,500,000

External link to IndusInd Bank’s own application page.

The IndusInd Pinnacle costs ₹12,999 a year, waived at ₹10,00,000 annual spend. It earns 2.5% on all spends. Forex markup is 1.8%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much IndusInd Pinnacle actually pays you over time, net of annual fees.

₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹15,000
Annual fee−₹12,999
Fee waiver triggers at ₹1,000,000 annual spend. You're currently at ₹600,000. Bump monthly spend to ₹83,334 to clear it.
Cumulative net value
+₹10,005
over 5 years
Year 1
₹2,001
+₹2,001/yr
Year 2
₹4,002
+₹2,001/yr
Year 3
₹6,003
+₹2,001/yr
Year 4
₹8,004
+₹2,001/yr
Year 5
₹10,005
+₹2,001/yr
Year 1 (with bonus)
₹2,001
Year 2+ (steady state)
₹2,001/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the IndusInd Pinnacle earn?

What you earn back, by category.

Everything else
2.5%
📈
🎁
Welcome bonus

Premium watch + 12,999 reward points

What do you get with the IndusInd Pinnacle?

  • 2.5 reward points per ₹100
  • 6 international lounge visits/quarter
  • BMW Drive privilege
  • Concierge + golf at 250+ courses
  • 1.8% forex markup

Who qualifies for the IndusInd Pinnacle?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹2,500,000
Min credit score
800+
Self-employed
Eligible

IndusInd Pinnacle FAQ

›What is the IndusInd Pinnacle annual fee?

The annual fee is ₹12,999. It is waived if you spend ₹10,00,000 in a year.

›What does the IndusInd Pinnacle earn?

It earns 2.5% on all spends.

›What is the IndusInd Pinnacle forex markup?

The IndusInd Pinnacle charges 1.8% forex markup on foreign-currency spends.

›What income do you need for the IndusInd Pinnacle?

The stated minimum income is ₹25,00,000 a year. Banks treat this as a guideline, not a hard cutoff.

›What is the IndusInd Pinnacle welcome bonus?

Premium watch + 12,999 reward points.

›Are these IndusInd Pinnacle figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.