IndusInd Pinnacle Credit Card Review: A Premium Credit Card
With the IndusInd Pinnacle Credit Card Review, you may explore the world of luxury and benefits. This card improves your financial experience by providing high rewards for online purchases, versatile redemption choices, and a variety of travel bonuses. Join us as we investigate its benefits, expenses, and suitability for your way of life. The IndusInd Pinnacle Credit Card is a strong contender among high-end credit cards. It sports a wide range of appealing characteristics that appeal to a discriminating audience looking for both benefits and ease.
What is IndusInd Pinnacle Credit Card?
The IndusInd Pinnacle Credit Card is a premium credit card offered by IndusInd Bank. It is designed for high-income individuals and families who are looking for a card with a variety of benefits.
What is IndusInd Pinnacle Credit Card Offer
Here are the benefits of what this card has to offer:
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High Rewards Rate
IndusInd Pinnacle Credit Card presents an enticing rewards program. Online transactions earn you an impressive 2.5x reward points, while all other eligible expenses garner 1x reward points. This scheme accentuates the appeal of the card, making every transaction more rewarding.
Flexible Redemption Options
The card doesn’t just stop at accumulation; it excels in redemption as well. The versatility in redemption choices is truly noteworthy. You can redeem your accrued reward points for cash credit, statement credit, gift vouchers, merchandise, or even air miles, providing you with a range of options that suit your preferences.
Excellent Travel Benefits
For the globetrotters, the IndusInd Pinnacle Credit Card has a lot to offer. With complimentary Priority Pass membership, access to over 1,200 airport lounges worldwide, and inclusive travel insurance, this card takes care of your travel needs with finesse.
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Additional Perks
This card doesn’t confine its benefits to travel. It also comes with a complimentary Golf Card, offering access to renowned golf courses, a personal concierge service that adds convenience to your life, and even complimentary accident insurance, ensuring your safety.
Costs and Considerations
The card’s pricing structure includes a one-time joining fee of Rs. 13,000 and an annual fee of Rs. 4,999, which is waived for the first year. While the card’s benefits are impressive, the annual fee might deter some potential users.
IndusInd Pinnacle Credit Card User Benefits
Here are the IndusInd Bank Pinnacle Credit Card Benefits
1. Great Joining Bonus:
Upon activating your IndusInd Pinnacle Card, you’ll receive enticing gift vouchers from prestigious brands like Oberoi Hotels, Montblanc, and Vouchagram, as part of the welcome kit.
2. Rewarding Transactions:
Every transaction made with your premium IndusInd credit card earns you attractive Indus Rewards points. Here’s the rate for different transaction categories:
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| Transaction Category | Earning Rate |
|---|---|
| E-commerce transactions | 2.5 rewards per Rs. 100 |
| Airlines and e-com travel transactions | 1.5 rewards per Rs. 100 |
| Other retail transactions (excluding fuel) | 1 reward per Rs. 100 |
3. Travel Comfort:
Experience travel like never before with your Pinnacle Card:
- Priority Pass Access: Enjoy 2 free quarterly visits to over 700 Priority Pass lounges worldwide.
- Travel Pass Program: Exclusive deals await you for lounge usage.
4. Entertainment Evenings:
Unwind with entertainment perks:
- Free Movie Tickets: Book one movie ticket on BookMyShow with your Pinnacle Card and get another free. Enjoy up to 3 free tickets per month.
- Discounts on Non-Movie Tickets: Benefit from a 20% discount on non-movie tickets.
5. Exciting Weekends:
Turn weekends into memorable experiences:
- Free Golf Access: Access top golf courses across India at no charge.
- Hole-in-One Insurance: Enjoy peace of mind with hole-in-one insurance coverage of Rs. 20,000.
6. Fuel Surcharge Waiver:
Say goodbye to fuel surcharges with a 1% waiver on transactions between Rs. 400 and Rs. 4,000. Earn a maximum of Rs. 80 waiver in each credit card statement cycle.
7. Complimentary Insurance:
Travel with confidence, thanks to complimentary air accidental death coverage of Rs. 25,00,000. Reach out to IndusInd credit card customer care to claim benefits.
8. Multilingual Concierge Service:
Experience personalized assistance with a multilingual concierge service. Whether it’s travel, movie tickets, or hotel reservations, help is just a call away.
9. Roadside Assistance:
The Pinnacle Card also offers a roadside assistance service, ensuring support during vehicle breakdowns.
Indusind Pinnacle Credit Card charges List
| Particulars | Chargeable amount |
| IndusInd bank atm charges | 2.5% against the withdrawal amount, min Rs.300 (Check your available Indusind bank pinnacle credit card limit before making a withdrawal) |
| IndusInd bank credit card finance Charge | Can go up to 3.83% monthly (Applicable if your Indusind credit card bill payment is not made within the due date) |
| Indusind pinnacle international transaction fee | 3.5% against the transaction amount |
| Indusind pinnacle credit card add-on card fee | None |
Eligibility and Documentation
To be eligible for the IndusInd Pinnacle Credit Card, you need to be an Indian resident with a minimum annual income of Rs. 10 lacks for salaried individuals and Rs. 12 lacks for self-employed individuals. A good CIBIL Score of 730+ is a must.
Documentation required includes ID and address proof, bank statements, income proof, and recent passport-sized photographs.
| ID Proof (any 1) | Address Proof (any 1) | Proof of Income Statement |
|---|---|---|
| Aadhar card | Last 6 months bank account Statement | Salaried Person (any 1) |
| Voter Card | Aadhar Card | 1. Salary Slip for the last 3 months |
| Passport | Driving License | 2. ITR |
| PAN Card | Passport | Self-employed person (any 1) |
| Utility bill | 1. Income tax return of the last year | |
| One recent passport-sized photograph | 2. Proof of business | |
| 3. Recent audited financial report |
IndusInd Pinnacle Credit Card Activation
- Receive Activation Kit: Upon card delivery, your activation kit will contain your credit card, a welcome letter, and an activation PIN.
- Review Welcome Letter: Carefully read the welcome letter for vital card details – credit limit, interest rate, and rewards program.
- Locate Activation PIN: Inside the kit, find the 4-digit activation PIN, necessary to activate your credit card.
- Call Customer Care: Dial +91-22-42207777 for IndusInd Bank customer care.
- Provide Details: Share your credit card number and activation PIN with the representative.
- Instant Activation: The representative will activate your card, enabling immediate usage.
IndusInd Pinnacle Credit Card Security Tips
- Guard your credit card number and PIN – avoid sharing, even with family or friends.
- Store your card securely, preventing easy theft.
- Exercise caution while online shopping – stick to trusted websites.
- Regularly review your credit card statement for unauthorized charges.
- Opt for SMS alerts from IndusInd Bank, receiving transaction notifications on your mobile phone.
IndusInd Pinnacle Credit Card Pros and Cons
| Pros | Cons |
|---|---|
| High rewards rate | High annual fee |
| Flexible redemption options | One-time joining fee |
| Excellent travel benefits | |
| Complimentary Golf Card | |
| Personal concierge service | |
| Complimentary accident insurance |
IndusInd Pinnacle Credit Card Review 2023
The IndusInd Pinnacle Credit Card stands as a premium offering from IndusInd Bank, catering to the needs of high-income individuals seeking a plethora of benefits. With an enticing joining bonus including vouchers from prominent brands and a rewarding rewards program, this card ensures a value-added financial experience.
The travel perks are impressive, granting access to global priority pass lounges and exclusive deals, while entertainment is taken care of with complimentary movie tickets and discounts. Golf enthusiasts will relish access to renowned courses and insurance coverage.
Additionally, the fuel surcharge waiver, complimentary insurance, concierge service, and roadside assistance further enhance its appeal.
However, it’s important to note that this card comes with a considerable joining fee of Rs.13,000 plus taxes and an annual fee of Rs.5,000 plus taxes. The IndusInd Pinnacle Credit Card is best suited for those with high incomes and strong credit scores, making it a worthy choice for those who can make the most of its premium offerings.
For those seeking an elite credit card experience with a range of perks, the IndusInd Pinnacle Credit Card remains a compelling option.
IndusInd Pinnacle Credit Card Alternatives to Consider
If you’re seeking alternatives with similar perks, consider these options:
- HDFC Diners Club Black Credit Card: Offers high rewards on online transactions and travel with complimentary Priority Pass membership, but comes with a higher annual fee.
- ICICI Bank Prestige Credit Card: Presents a high rewards rate and travel benefits with a comparatively lower annual fee.
- American Express Platinum Credit Card: Focuses on air travel and dining rewards, alongside extensive travel benefits, but comes with a higher annual fee.
How to Connect Indusind Bank Credit Card Customer Care?
| Contact Information | Customer Care Number / Email |
|---|---|
| For General Enquiries: | 1860-267-7777 |
| Alternate Numbers: | 022-4406-6666 |
| For Premium Customers: | 022-4220-7777 |
| Customer Care Email ID | [email protected] |
Final Verdict
The IndusInd Pinnacle Credit Card combines a host of benefits with a premium touch. While it may suit those seeking luxury and convenience, the annual fee may be a factor for some. If you’re looking for an accessible premium card with an array of perks, this could be your ideal choice. For a more upscale option, explore our premium credit card recommendations.
FAQs
What is the IndusInd Pinnacle Credit Card?
The IndusInd Pinnacle Credit Card is a premium offering from IndusInd Bank, designed for high-income individuals, providing a range of benefits and rewards.
What are the key benefits of the IndusInd Pinnacle Credit Card?
The card offers a great joining bonus, rewards on transactions, travel perks, entertainment benefits, golf privileges, fuel surcharge waivers, insurance coverage, concierge service, and roadside assistance.
How can I earn rewards with IndusInd Pinnacle Credit Card?
For every transaction, you earn IndusInd Rewards points. You can convert these points into cash, with 1 reward point equal to Rs.1.
Are there any drawbacks to IndusInd Pinnacle Credit Card?
The card comes with a high joining fee and annual fee, making it suitable for those with high incomes and good credit scores.
How can I activate IndusInd Pinnacle Credit Card?
After receiving the activation kit, call IndusInd customer care, provide your card number and activation PIN, and your card will be activated for immediate use.
What’s the eligibility criteria for IndusInd Pinnacle Credit Card?
For salaried individuals, a minimum annual income of Rs.10 lakh is required. For self-employed individuals, it’s Rs.12 lakh.
How can I contact IndusInd Credit Card customer care?
You can reach customer care at 1860-267-7777 or 022-4406-6666 (general), 022-4220-7777 (premium customers), or email at [email protected].
