View source for InudsInd Pinnacle Credit Card

Pinnacle Credit Card offers a luxurious range of unique travel, lifestyle, and golf privileges. Its unique feature being the Zero MAB Exclusive savings account. 

== '''Charges''' ==

* '''Annual Fee:''' NIL
* '''Joining Fee:''' ₹15000 + GST (₹5000 + GST for Grande and Legacy customers)

== '''Joining Fee Waiver Condition''' ==
For Grande and Legacy account holders can avail Pinnacle Credit Card with joining fee of ₹5,000 + GST which is waived on spending spending ₹50,000 within 90 days of issuance. The same is available to new customers to IndusInd bank too depending on the offer.

== '''Welcome & Renewal Benefits''' ==
You'll have an option to select one from the below options for customers who pay joining fee ₹15000 + GST.

* MontBlanc Gift card worth ₹15,000
* Luxe Gift card worth ₹15,000
* 1 night stay at PostCard Hotels
* Gift Card worth '''₹10,000 from Amazon, Flipkart''', Zee5, Apollo Pharmacy, Uber, Ola and more.
* Gift card worth ₹15,000 from Pantaloons, Bata, Raymond, Hush Puppies, and more.

== '''Key Features & Benefits''' ==

=== Airport lounge access ===

* '''Domestic Lounges:''' 1 lounge access per quarter, total 4 in an year. Click here for [https://www.indusind.com/content/dam/indusind-corporate/Other/Airport-Lounge-Access-Program.pdf list].
* '''International Lounges:''' 1 lounge access per quarter though Priority Pass program.

=== Golf privileges ===
As an IndusInd* Bank Pinnacle Credit Card holder, gain exclusive access to some of the most picturesque golf courses and golf clubs in India.

* '''Golf Game:''' 1 complimentary golf game per month specially hosted for you at leading golf clubs.
* '''Golf Lessons:''' Cardholders can also 1 personalized golf coaching session per month at select Indian golf courses.
* Hole in one insurance: 
* '''Booking:''' Bookings can be made through this [https://indusindgolf.apexlynx.net/ link] and click here for the [https://www.indusind.com/content/dam/indusind-corporate/Other/List-of-Club-Revised-2.pdf list] of eligible golf courses.

<nowiki>*</nowiki>Spend ₹25,000 in previous billing cycle to be eligible for golf bookings.

=== Dining and movie discounts ===

==== Dining Offer ====
'''EazyDiner:''' '''10% off upto ₹500''' per month on min. bill value of ₹2000.

==== Free Movie Tickets ====
'''BookMyShow:''' Buy 1 Get 1 movie tickets on BookMyShow app/website '''3 times a month upto ₹200''' per ticket.

=== Fuel surcharge waivers ===

* '''1% waiver''' on fuel surcharges across all fuel stations in India.
* Eligible on transactions between '''₹500 and ₹4,000''', capped to ₹500 in a billing cycle.

=== Foreign Currency Markup ===

* Forex mark-up fee of '''3.5% + GST''' will be levied on the transaction amount on all international transactions.

=== Insurance Covers ===

* '''Air Accident Insurance:''' ₹25 Lakhs
* '''Travel Insurance'''
** Baggage lost: ₹1 Lakhs
** Delayed baggage: ₹25,000
** Loss of passport: ₹50,000
** Lost ticket: ₹25,000
** Missed connection: ₹25,000

=== Pinnacle Concierge ===
The IndusInd Bank Pinnacle Credit Card offers a team of highly efficient professionals, accessible from any corner of the world, to assist you with any support required. This is a complimentary service with a host of premium benefits. All you have to do is call for assistance and they will take care of the rest. The 24x7 concierge service offers you:24x7 concierge services that offer: 

* Pre-trip assistance
* Hotel reservation
* Flight booking
* Sports and entertainment booking
* Exclusive booking
* Flowers and gifts

== '''Reward Points Program''' ==

=== A. Earning Reward Points ===

* '''E-Commerce transactions:''' 2.5 reward points for every ₹100 spent
* '''E-Commerce travel and airline transactions:''' 1.5 reward points for every ₹100 spent
* '''PoS transactions:''' 1 reward points for every ₹100 spent
* '''Select Merchant Categories:''' 0.7 reward points for every ₹100 spent

'''Select Merchant Categories'''

* Utility Bill Payments
* Insurance Premium Payments
* Government Services/Charges/Payments
* Education Institute Fees
* Real Estate/Rental Payments

=== B. Redeeming Reward Points ===

* '''Indus Moments:''' Redeem your points in Indus Moment offerings at 1point = ₹1
** Vouchers: Points + Cash
** Product Catalogue: Points completely redeemable
** Travel bookings: Points completely redeemable
* '''Pay with Rewards:''' Redeem on TWID pay with 1point = 0.75p
* '''Airmiles:''' 2points = 1 Kriflyer Mile
* '''Cash Redemption:''' 1point = 0.75p

=== C. Reward Points Terms & Conditions ===

# Earn reward points only for spends upto the assigned credit limit in every statement cycle.
# Transactions below ₹150 will not earn any reward points. 
# Redeem your points on Indus Moment offerings 
## Vouchers: Points + Cash
## Product Catalogue: Points completely redeemable
## Travel bookings: Points completely redeemable
# Redeem on TWID pay with rewards upto 15% on transactions. Fee will be levied on redemption.
## Upto 200: ₹10 + gst
## 201 to 500: ₹15 + gst
## Above 501: ₹20 + gst
## On flgihts: ₹50 + gst
# Transfer to Krisflyer Miles at 2points = 1 Kriflyer Mile with minimum points: 500 and multiples of 100.
# For redemption against cash, a minimum of 500 points is required.
# You can redeem a maximum of '''7,500''' reward points in a statement cycle.
# Reward Redemption fee of ₹149 + gst will be applicable.
# No reward points are awarded on fuel transactions.
# Reward points remain valid for '''2 years/24 months''' from the date of accrual.
# Cumulative fuel transactions above ₹50,000 in a statement cycle will attract a fee of 1% + gst on entire fuel transaction in that cycle.
# Cumulative Education spends above ₹45,000 made through third party apps in a statement cycle will attract a fee of 1% + gst on entire education spends in that cycle.

== '''Additional Benefit''' ==
Linking your IndusInd Pinnacle Credit Card with '''IndusInd Exclusive''' savings account will make it a '''Zero MAB''' account which requires 1L/2L MAB depending on city. 

== '''Eligibility Criteria''' ==

* For salaried individuals: ₹ 10 lakh per annum
* For self-employed: ₹ 12 lakh per annum

== '''Upgrade Options''' ==

* Free pre-approved upgrade options is offered for select individuals.
* Contact customer care and ask for upgrade on your current card by paying one time fee of ₹15000 + GST.