IndusInd Bank Pinnacle Credit Card
2.5 points/full ₹100 eligible e-commerce or 1 point/full ₹100 ordinary in-store spend. ₹0.75 cash value on one restricted claim; ₹15,000 standard joining, nil recurring annual fee.
Try your spend →How this estimate works
The bank currently lists 2.5 Reward Points per full ₹100 on eligible e-commerce spending. Its September 2024 bank article describes one point per full ₹100 on ordinary point-of-sale purchases; the calculator therefore distinguishes online and in-store spending and leaves special merchant routes unscored. Entered monthly spend is repeated as one qualifying purchase in each of 12 months. Current product-specific cash credit is ₹0.75/point, with a 7,500-point monthly redemption cap and a 500-point minimum. The April 2025 issuer update limits a cash claim to 50% of the current points balance. The model assumes just one annual claim, limited to half of the modeled annual points, deducting one ₹149+GST redemption fee. Points left over can still carry future value, but are not counted in one-year cash return; later redemptions could yield more. The bank lists ₹15,000 standard joining and nil recurring annual fee in its current MITC; rankings deduct no recurring card fee but omit this material first-year joining charge. If the customer qualifies for a special Grande rate, the application price may differ. Fuel, utilities, insurance, government, education, rent and uncertain special routes are not scored; the issuer separately cuts earn rates for these and limits points earned to card credit limit per billing cycle. Travel boosts, milestone, movie, golf and lounge benefits are omitted. The issuer may change conversion and fee terms.
Issuer terms
Pinnacle product and online earn rate · Bank article on in-store earn rate · Cash conversion · 500-point minimum and monthly cap · April 2025 claim restriction and fee · Special categories · Joining and annual fees
Terms checked 30 September 2026. First-year joining cost is outside the year-two ranking.