IndusInd Bank · Premium · lifetime free
Pinnacle Credit Card
Where it ranks across all 187 cards
#6 Wallet load
1.9%
direct
#18 Mobile / broadband
1.9%
direct
#19 Gaming
1.9%
direct
#25 Train tickets
1.9%
direct
#29 Health & pharmacy
1.9%
direct
#31 Cabs & transit
1.9%
direct
#35 Electronics
1.9%
direct
#43 Movies & events
1.9%
direct
#44 Fashion
1.9%
direct
#45 Online shopping
1.9%
direct
#45 Groceries
1.9%
direct
#46 Food delivery
1.9%
direct
#57 Flights
1.1%
direct
#57 Hotels
1.1%
direct
#39 EMI
0.8%
direct
#74 Jewellery & watches
0.8%
direct
#109 Other
0.8%
direct
#127 Dining out
0.8%
direct
#54 Insurance
0.5%
direct
#57 Education
0.5%
direct
#64 Utility bills
0.5%
direct
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Points valued at ₹0.75/pt - conservative, what rankings use
Reward rules4 direct
Base rate - everything not covered below
0.75%base rate
1 pt / ₹100
source
Source: Pinnacle Credit Card - indusind.bank.in - read 30 Sep 2026
0.7 pts / Rs 100 on utilities, insurance, government, education and rent
0.52%this rule
0.7 pts / ₹100
how it works & source
IndusInd's rewards revision lists 'IndusInd Bank Pinnacle Credit Card 0.70 Reward Point for every Rs. 100 (on POS and E-commerce spends)' for these categories, so it sits ahead of the 2.5-point online rate.
Source: Revision in IndusInd Bank Credit Card Rewards Program - indusind.bank.in - read 2 Oct 2026
1.5 pts / Rs 100 on e-com travel and airline transactions
1.13%this rule
1.5 pts / ₹100
source
Source: Pinnacle Credit Card - indusind.bank.in - read 30 Sep 2026
2.5 pts / Rs 100 on e-commerce transactions
1.88%this rule
2.5 pts / ₹100
source
Source: Pinnacle Credit Card - indusind.bank.in - read 30 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel
earns nothing
Fuel transactions will not accumulate reward points, effective 1 April 2018.
→ use IndianOil RBL XTra here (7.5%)
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.