Research coverage — 9/16 categories
IndusInd
Pinnacle Credit Card
Best forTravel & Rent
Earns1.5 RP/₹100 on travel
1st Year / Joining Fee
₹15,000 + taxes
Renewal Fee
Not recorded
Fee waiver
None
Network
Not recorded
IndusInd
Pinnacle Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on travel and rent, where it earns 1.5 RP/₹100
How you earn
Reward rates at a glance — exactly as recorded for this card.
Travel1.5 RP/₹100
Rent0.70 RP/₹100
Education0.70 RP/₹100
Insurance0.70 RP/₹100
Utilities0.70 RP/₹100
All 16 reward categories · 9 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | 0.70 RP/₹100 | — | Reduced rate verified in official reward scheduleDetails
|
| Education | 0.70 RP/₹100 | — | Reduced rate verified in official reward scheduleDetails
|
| Insurance | 0.70 RP/₹100 | — | Reduced rate verified in official reward scheduleDetails
|
| Utilities | 0.70 RP/₹100 | — | Reduced rate verified in official reward scheduleDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | — | — | Standard verified retail earn rateDetails
|
| Dining | — | — | Standard verified retail earn rateDetails
|
| Food Delivery | — | — | Research pendingDetails
|
| Shopping | — | — | Research pendingDetails
|
| Travel | 1.5 RP/₹100 | — | Standard verified retail earn rateDetails
|
| Government | — | — | Research pendingDetails
|
| Wallet | Not a good fit | — | Wallet load transactions (MCC 6540) explicitly excluded from reward accrual under IndusInd MITC Section 4Details
|
| Railways | — | — | Research pendingDetails
|
| FASTag | — | — | Research pendingDetails
|
| Jewellery | — | — | Research pendingDetails
|
| Telecom | — | — | Research pendingDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹15,000 + taxes
Renewal Fee
Not recorded
Fee waiver
None
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
1.5 RP/₹100 on travel
Important to know
Limits and exclusions that change what you earn.
- No reward on: Fuel
- Not recommended for: Wallet
- Research pending: Food Delivery, Shopping, Government, Railways +3 more — not counted
Who should consider this card
✓ Good fit if
- Your spending is concentrated in travel, rent, education
△ Less useful if
- Much of your spending is in fuel, wallet, which earn nothing
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 2 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Fuel — No reward.
- Wallet — Not a good fit. Wallet load transactions (MCC 6540) explicitly excluded from reward accrual under IndusInd MITC Section 4.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to IndusInd's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
Other categories recorded for this card
- Online Shopping — —. Standard verified retail earn rate
- Offline Shopping — —. Standard verified retail earn rate
- Flights — —. Standard verified retail earn rate
- Hotels — —. Standard verified retail earn rate
- UPI — Not a good fit. Visa/Mastercard credit card rails unsupported for Credit on UPI per RBI/NPCI regulatory framework
- International — —. Standard verified retail earn rate
- EMI — Not a good fit. EMI purchase transactions explicitly excluded from reward points accrual under IndusInd MITC Section 4
What DhanChakshu couldn't fully verify · 11 areas
11 areas need further verification. None of these are counted as zero.
- • Food Delivery — research pending
- • Shopping — research pending
- • Government — research pending
- • Railways — research pending
- • FASTag — research pending
- • Jewellery — research pending
- • Telecom — research pending
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-26
Verification coverage: 9 of 16 categories verified · 7 still being verified
Card record last checked: 2026-09-26
Documents used
Official card page · S-IND06-01 · 2026-09-26
IBL Pinnacle Benefit Guide (Pinnacle Rewards Program page) · S-IND06-05 · 2026-10-12
IndusInd Bank Official Fuel Surcharge Waiver T&C · S-BW-15 · 2026-09-26