All cards / IndusInd Bank
IndusInd Pinnacle
An online-shopping-focused premium card with a steep one-time joining fee but NIL annual fee thereafter — no recurring cost from year 2 onward.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹15,000
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Premium
Reward rates by category
- Online shopping5%
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹75,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Unlimited domestic lounge access
Pros
- + Strong online shopping rewards
- + No annual fee from the second year onward
Cons
- − High one-time joining fee (₹15,000)
- − No international lounge access
Applying takes you to IndusInd Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.