LIFETIME FREE Visa 📡 Contactless NFC

IndusInd Bank Pinnacle Credit Card

Joining Fee₹15,000

Annual FeeFREE

Forex Markup 1.8%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Affluent cardholders wanting an ultra-premium Lifetime Free card with 8 domestic + 8 international lounge visits, 3 BOGO movie tickets every month, and 1:0.75 cash statement credit value.

Who Should Avoid

Users who cannot pay the one-time ₹15,000 joining fee or those seeking RuPay UPI integration.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Luxury brand welcome voucher package worth ₹15,000+ (Oberoi Hotels, Postcard Hotels, Luxe Gift Card) upon payment of joining fee

2.5 Reward Points on Online & Travel Spends

Earn 2.5 Reward Points per ₹100 (1.87% return) on e-commerce shopping, travel bookings, and airline purchases with never-expiring points.

BOGO Movie Tickets via BookMyShow

Buy 1 Get 1 free on movie tickets via BookMyShow (up to ₹200 off per ticket, up to 3 times a month, saving ₹600/mo).

Domestic & International Airport Lounge Access

2 complimentary domestic lounge visits per quarter + 2 international lounge visits per quarter via Priority Pass with ₹0 annual maintenance charges.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.75

Standard Base Earning

1 Reward Point per ₹100 spent on all other retail transactions (0.75% return; 1 RP = ₹0.75)

Accelerated / Partner Rate

2.5 Reward Points per ₹100 (1.87% return; 1 RP = ₹0.75) on Online Shopping, Airline bookings, and Travel aggregator spends; Buy 1 Get 1 free on BookMyShow (up to ₹200/ticket, 3 times a month); 2 complimentary golf rounds/month

Points Validity:Never Expire

Redemption Fee: ₹0 (Free)

Redemption Modes: Direct Statement Cash Credit (1 RP = ₹0.75), 1:1 Airline Miles Transfers (InterMiles, Air India), Luxury Brand Vouchers via IndusMoments

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Payments EMI Transactions Jewellery Insurance

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year)

🌐

International Lounge Visits2 complimentary international airport lounge visits per calendar quarter (8 visits/year) via Priority Pass

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Lifetime Free (LTF) renewal with ₹0 annual maintenance fee; one-time joining fee of ₹15,000 + GST applies

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹100,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the IndusInd Bank Pinnacle Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

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Personalized Card Matcher

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Frequently Asked Questions

Yes, the IndusInd Bank Pinnacle Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.

IndusInd Bank Pinnacle Credit Card Lifetime Free (₹0)