🇮🇳 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
₹25,00,000

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 ₹10,00,000 annual spend. You're currently at ₹6,00,000. 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
₹25,00,000
Min credit score
800+
Self-employed
Eligible

What people say about the IndusInd Pinnacle

Real answers from readers. No login, and nothing here affects our scores.

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.