Loading page
Loading card
IndusInd Bank
Priority Pass across 1,400+ lounges and a golf game every month, with both trimmed in March 2025
One-time
Waived on ₹50,000/yr
Uncapped rewards
Score 750+
Applying takes you to IndusInd Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from IndusInd Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromOnline shopping
No published ceiling on this tier
Travel
No published ceiling on this tier
Everything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
2.5% on Online shopping — E-commerce transactions. IndusInd publishes no rupee value for a Pinnacle Reward Point., with no stated cap.
Biggest limitation
From 13 March 2025 the international lounge allowance is one complimentary visit a calendar quarter, down from the earlier Priority Pass allowance.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
2.5 pts
uncappedOnline shopping
E-commerce transactions. IndusInd publishes no rupee value for a Pinnacle Reward Point.
1.5 pts
uncappedTravel
E-commerce travel and airline transactions.
1 pts
uncappedEverything else
Point-of-sale, MoTo and IVR transactions and standing instructions.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹5,000 | — |
| Annual / renewal fee | ₹5,000 | The Rs. 5,000 joining fee is levied only where Rs. 50,000 of spending is not met in the first 90 days of card issue |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Late payment | Nil up to Rs. 100 outstanding, Rs. 100 from Rs. 101 to Rs. 500, Rs. 350 from Rs. 501 to Rs. 1,000, Rs. 550 from Rs. 1,001 to Rs. 10,000, and Rs. 700 above Rs. 10,000 | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹50,000 a year
is what it takes to keep the ₹5,000 fee off — about ₹4,167 a month
The issuer publishes no additional spend condition for this card's lounge access.
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IndusInd BankIndusInd Bank Jio-bp Mobility+ Credit CardSee fees
IndusInd BankIndusInd Bank Tiger Credit CardLifetime free
IndusInd BankIndusInd Bank Nexxt Credit CardSee fees
IndusInd BankIndusInd Bank Legend Credit CardLifetime freeSuryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IndusInd Bank Pinnacle Credit Card · this card | ₹5,000 | 2.5% online shopping | Included |
| IndusInd Bank ePay American Express Credit Card | Lifetime free | Up to 5% cashback | No |
| IndusInd Bank Jio-bp Mobility+ Credit Card | ₹0 | Up to 12 reward points per ₹100 | No |
| IndusInd Bank Tiger Credit Card | Lifetime free | Up to 2.4% rewards | Included |
| IndusInd Bank Nexxt Credit Card | ₹0 | Up to 1 reward points per ₹150 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹5,000 plus GST, waived on ₹50,000 of annual spend.
The strongest published rate is 2.5% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
IndusInd Bank publishes about ₹83,333 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
2.5 Reward Points per Rs. 100 on e-commerce, 1.5 per Rs. 100 on e-commerce travel and airline transactions, and 1 per Rs. 100 at the point of sale and on MoTo, IVR and standing instructions. The split between online and in-store is unusual — most cards here classify by merchant category instead.
Priority Pass membership covering more than 1,400 lounges worldwide. With effect from 13 March 2025 IndusInd revised the allowance to one complimentary international visit a calendar quarter through Priority Pass. That is four a year, which is modest for the fee tier, so read the current terms rather than an older table.
One complimentary game and one complimentary lesson a month, at selected golf clubs in India, with effect from 13 March 2025. It is the most generous golf allowance of any card in our catalogue on a per-month basis, and unlike several others it is not conditional on a spend threshold.
Yes. IndusInd publishes the Rs. 5,000 joining fee as levied where the spend criterion of Rs. 50,000 is not met in the first 90 days of card issue. Reach Rs. 50,000 in three months — about Rs. 17,000 a month — and the fee is never charged. The fee structure differs for Grande and legacy customers, so confirm which applies to you.
IndusInd publishes an income or ITR requirement of Rs. 10 lakh a year for salaried applicants and Rs. 12 lakh a year for the self-employed. That is in the upper half of this catalogue and is the card's real gate — the fee is avoidable long before the income requirement is.
It depends on which benefit you use. The Pinnacle has the lounge access and the golf; the Legend has a 1.8% foreign currency markup against the Pinnacle's 3.5% and costs nothing at all. If you spend abroad more than you sit in lounges, the free card is the better travel card — which is an odd thing to be true, and it is.
Most cards in this catalogue classify a purchase by merchant category — dining, groceries, fuel. The Pinnacle classifies it by how the payment was made: 2.5 Reward Points per Rs. 100 on e-commerce, 1.5 on e-commerce travel and airline transactions, and 1 on point-of-sale, MoTo, IVR and standing instructions.
That has a practical consequence worth planning around. The same purchase earns two and a half times as much bought online as it does in a shop, and recurring payments set up as standing instructions earn at the base rate instead of being excluded, which is how most cards treat them.
With effect from 13 March 2025 IndusInd revised two of this card's headline benefits. The international lounge allowance became one complimentary visit a calendar quarter through Priority Pass, and the golf benefit became one complimentary game and one lesson a month at selected clubs in India.
Four international lounge visits a year is modest for a card at this fee tier — several cards here give three times as many. The golf, on the other hand, is the most generous monthly allowance in the catalogue and is not gated behind a spend threshold, which most golf benefits are.
IndusInd publishes the Rs. 5,000 joining fee as levied only where Rs. 50,000 of spending is not met in the first 90 days of card issue. About Rs. 17,000 a month for three months and the fee is never charged at all, which makes the headline figure misleading for anybody who actually uses the card.
The income requirement is the real gate: Rs. 10 lakh a year for a salaried applicant and Rs. 12 lakh for the self-employed. Note too that IndusInd publishes a different fee structure for Grande and legacy customers, so the figures that apply to your application are worth confirming with the bank rather than inferring from a comparison table.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IndusInd Bank Pinnacle Credit Card — 2.5% on online shopping. ₹5,000 a year.