SimplifyCards take:A good fit if you want a card built for travel, lounge, and golf
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Best for E-Commerce TransactionsBest for
2.5 reward points per ₹100
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for travel, lounge, and golfBottom line
It combines complimentary airport lounge access and accelerated rewards on e-commerce transactions
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| E-Commerce Transactions | 2.5 reward points per ₹100 |
| E-Com Travel And Airline Transactions | 1.5 reward points per ₹100 |
| Utility, Insurance, Government, Education, Real Estate, And Rent Spends | 0.7 reward points per ₹100 |
| Base | 1 reward point per ₹100 |
Redemption
Statement balanceupto ₹ 0.75 per point
Airmile transferupto 0.5 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 2:1 |
Important conditions
1
Domestic lounge4 visits per year
- Effective April 1, 2026, spends criteria tracking of ₹1.5 Lakh per quarter is initiated to unlock domestic lounge access from July 2026 quarter onwards
2
International lounge4 visits per year
- Effective March 13, 2025, Priority Pass lounge benefit is revised to 1 complimentary international visit per quarter
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
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 ₹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
IndusInd credit card charges revised15 May 2026
- 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
Domestic Lounge access update1 Apr 2026
- 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
Golf and International Lounge updates13 Mar 2025
- 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
Exclusions
Spending that does not earn reward points
- fuel
- cash advances
Compare before you decide
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