IndusInd Bank Pinnacle Credit Card: A Detailed Look at Its Luxurious Features and Benefits

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Presenting the IndusInd Bank Pinnacle Credit Card – a card for those who live and breathe excellence. It offers a luxurious array of travel, lifestyle, and golf privileges, ensuring you get every bit of value you pay for.

Fees & Welcome Benefits

The IndusInd Pinnacle Credit Card comes with two joining fee options:

• Joining Fee: ₹5,000 or ₹15,000 + GST
• Welcome Benefit: Up to ₹15,000 Voucher
• Renewal Fee: Nil

The welcome benefit is available only with specific joining fee plans. When you pay the joining fee, you will receive vouchers worth up to ₹15,000 from brands like Oberoi Hotels, Montblanc, Luxe Gift Card, The POSTCARD Hotels, and more. Here's how it works:

1. For ₹5,000 Joining Fee: Spend ₹50,000 within the first 90 days to earn a ₹5,000 voucher.
2. For ₹15,000 Joining Fee: Receive the voucher after fee payment with no additional spending condition.

Vouchers and Redemptions

Your welcome benefit includes several voucher types:

• Oberoi Hotels Voucher: Valid for 6 months, with blackout dates during holidays and peak seasons. You can redeem a maximum of two vouchers per stay.
• Montblanc Voucher: Exclusively for purchases at Montblanc India retail boutiques, valid for 6 months.
• Luxe Gift Cards: Each worth ₹5,000, they are valid for 6 months and can be redeemed across various brands and stores.
• The Postcard Hotels: Valid for 6 months, with the ability to redeem vouchers at luxury hotels.
• Vouchagram - Enjoy various discount vouchers from multiple brands like Amazon, Flipkart, Zee5, Apollo Pharmacy, Uber, Ola and more.
• Vouchagram Premium - vouchers from multiple brands like Pantaloons, Bata, Raymond, Hush Puppies, and more.

Note: Vouchers are subject to availability and terms. Always read the fine print before claiming.
For Vouchagram List Click Here
For Vouchagram Premium List Click Here

Rewards Program

The Pinnacle Credit Card offers a lucrative rewards program:

• E-commerce transactions: ₹100 spent = 2.5 reward points
• E-com travel & airline transactions: ₹100 spent = 1.5 reward points
• Other transactions (PoS, MoTo, IVR, standing instructions): ₹100 spent = 1 reward point

Fuel Transactions: Fuel transactions do not earn reward points.
Rewards Redemption: You can redeem your points for cash credit, IndusMoments, airline miles, or convert them into InterMiles for travel.

• Cash Credit: Convert your reward points to cash @ 1 reward point = ₹0.75. Maximum redemption of 7,500 points/month.
• Airline Miles: Redeem for miles with InterMiles at a rate of 1 reward point = 1 airline mile (for InterMiles, a minimum of 500 points is required).

Travel Benefits & Lounge Access

The Pinnacle Credit Card ensures you travel in style with its VIP lounge access benefits:

• Domestic: 1 complimentary lounge visit per quarter via Mastercard
• International: 2 complimentary lounge visits per quarter via Priority Pass (Priority Pass Membership is complimentary)
• List of lounges available with Priority Pass - Click Here

In addition, the Travel Plus Program(Joining Fee 5000 Rs) offers enhanced benefits, including special waivers on lounge usage charges outside India (8 visits per year with a value of $27 each).

Pinnacle Life & Golf Benefits

• Pinnacle Life (BookMyShow): Enjoy a "Buy One, Get One Free" (up to 200 Rs) movie ticket offer, up to three times a month.
• Pinnacle Golf: Enjoy exclusive access to leading golf courses and clubs in India. You get 2 complimentary golf games and lessons every month, with a spend requirement of ₹25,000 in the previous statement cycle.
  List Of Golf Clubs Click Here

Pinnacle Assurance & Insurance Coverage

The Pinnacle Credit Card offers Pinnacle Assurance to protect you in various scenarios:

• Unauthorized transactions: Up to 48 hours before reporting the loss of your card.
• Counterfeit fraud: Insurance protection for fraudulent card activities.
• Air Accident Cover: Complimentary air accident insurance up to ₹25,00,000 (if the ticket is purchased with the card).

In addition, Travel Insurance covers lost baggage, delayed baggage, lost passports, and missed connections when booking international travel through the Pinnacle card.

Exclusive Concierge & Auto Assist Services

The Pinnacle Credit Card includes access to:

• Pinnacle Concierge: A 24x7 service team to assist with travel bookings, hotel reservations, and more.
• Pinnacle Auto Assist: Round-the-clock roadside assistance, including emergency fuel, flat tyre service, and medical support (available in select cities).

Fuel Surcharge Waiver & Additional Benefits

Enjoy a 1% surcharge waiver on fuel transactions across India. Additionally, you can enjoy:

• Exclusive IndusInd Savings Account with no minimum balance requirement.
• Zero forex markup on foreign currency transactions.

Eligibility Criteria

To qualify for the IndusInd Pinnacle Credit Card:

• Salaried individuals: Minimum annual income of ₹10 lakh
• Self-employed individuals: Minimum annual income of ₹12 lakh
• Documentation: KYC documents (PAN card, Aadhaar, photograph), income documents, and address proofs are required.

Conclusion: Is the IndusInd Pinnacle Credit Card Worth It?

The IndusInd Pinnacle Credit Card is a premium offering suited for individuals who frequently travel, enjoy luxury experiences, and prefer exclusive perks. While it no longer offers the 2.5% cashback it once did, its extensive range of rewards, lifestyle, and travel benefits make it worthwhile for those who value such privileges.

It could be a great fit if you can use the welcome vouchers and enjoy benefits like golf access, lounge visits, and concierge services. However, other cards might offer better value if you’re more focused on cashback.

Ultimately, the decision depends on your personal spending habits and how you plan to use the card.