SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, lounge, and golf.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on e-commerce transactions.
Where value may drop
Fuel don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 3,375 |
| Travel (cab, train, etc.) | Rs 5,000 | 675 |
| Utility bills | Rs 3,000 | 189 |
| Other spends | Rs 8,000 | 720 |
| Rent | Rs 5,000 | 315 |
| Insurance | Rs 2,000 | 126 |
| Education | Rs 3,000 | 189 |
| Tax / Government payments | Rs 2,000 | 126 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for E-Commerce Transactions
2.5 reward points per Rs 100
Best for airport lounge access
8 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| E-commerce transactions | 2.5 reward points per Rs 100 |
| E-com travel and airline transactions | 1.5 reward points per Rs 100 |
| Utility, insurance, government, education, real estate, and rent spends | 0.7 reward points per Rs 100 |
| base | 1 reward point per Rs 100 |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 2:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Effective April 1, 2026, spends criteria tracking of Rs 1.5 Lakh per quarter is initiated to unlock domestic lounge access from July 2026 quarter onwards.
- Effective March 13, 2025, Priority Pass lounge benefit is revised to 1 complimentary international visit per quarter.
Exclusions
Categories that earn no rewards on this card.
- fuel
- cash advances
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Choice of Montblanc luxury merchandise (watches, writing instruments, leather goods, or eyewear)
- Complimentary luxury stays at The Postcard Hotel
- Choice of brand and e-commerce vouchers via Vouchagram or Vouchagram Premium (including Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Ola, Bata, Titan, Vero Moda, and ALDO)
Additional benefits
- 1 complimentary golf game and 1 complimentary lesson per month
- Complimentary Hole-in-One insurance worth Rs 20,000
- Complimentary Auto Assist roadside emergency services (breakdown assistance, key replacement, flat tire, emergency fuel)
- 1% fuel surcharge waiver at all fuel stations in India
- Travel insurance cover including lost/delayed baggage, passport loss, lost ticket, and missed connection
Additional details
- Cash redemption is capped at 7,500 reward points per calendar month
- Minimum 500 reward points required for cash credit redemption
- Rent reward points capped at 500 per statement cycle
Latest updates
Recent changes to this card.
- Effective 15 June 2026, IndusInd Bank has revised credit card charges.
- Late payment fees now range up to ₹1,300 depending on outstanding balance.
- Additionally, a 1% fee (plus GST) applies to Dynamic Currency Conversion (DCC) transactions, cumulative fuel transactions exceeding ₹50,000, and utility/transport payments exceeding ₹40,000 in a statement cycle.
- Effective 1st April, 2026 spends criteria tracking of Rs 1.5 Lakh per quarter will be initiated to unlock complimentary domestic lounge access from July, 2026 quarter onwards.
- Effective 13th March 2025, your golf benefit includes 1 complimentary game and 1 complimentary lesson per month, and Priority Pass international lounge access is revised to 1 complimentary visit per quarter.
Eligibility
Check this before you apply.
Salaried
- Eligibility is subject to IndusInd Bank approval criteria
Self-employed
- Eligibility is subject to IndusInd Bank approval criteria
Compare before you decide
Alternatives based on what you might want instead.
Tips
Practical notes from verified sources.
The cash redemption value for Pinnacle is high at Rs 0.75 per point, but cash redemption is capped at 7,500 points per calendar month, and you can only redeem up to 50% of your total points balance at once.