IndusInd Bank Pinnacle MasterCard World Credit Card: A Comprehensive Review (2024)
IndusInd Bank’s Pinnacle MasterCard World Credit Card continues to shine as a premier offering, combining exclusive features with unparalleled services. In this comprehensive review, we’ll delve into the Priority Pass benefits and the exceptional concierge services that set this credit card apart.
First Impression
Upon receiving approval for the card, the swift delivery within a week was a positive start. However, the initial excitement was dampened when the premium card arrived in a regular envelope. The unboxing experience, usually a significant moment for premium cards, left much to be desired.
It is recommended that IndusInd Bank provides information on the current features and offers associated with the card at the time of issuance. Given that several features are subject to change, and some had already been altered in my case, having this information upfront would enhance the overall customer experience.
Additionally, a suggestion is made for IndusInd to consider initiating a welcome call once the card delivery is confirmed. This call could serve as an opportunity to explain the welcome offers and other perks that require separate initiation, adding a personal touch to the onboarding process. Further details on these aspects will be explored in the subsequent sections of this article.
The new card design is noticeably superior to the old one.
Golf Games & Lessons
Cardholders enjoy the privilege of two golf lessons and two rounds of golf every month, catering to both enthusiasts and those looking to refine their skills.
Complimentary golf games & lessons are available subject to minimum spends of Rs 25,000 in last billing cycle.
- 2 complimentary Golf Games per month
- 4 complimentary Golf lessons per month
- Complimentary Hole in One insurance worth Rs.20,000
Lounge Access
The Pinnacle card provides an impressive package of lounge access, including two international lounge visits per quarter, a complimentary Priority Pass card, and one domestic lounge visit every quarter.
Priority Pass card: Reach out to IndusInd Bank customer care to request for the processing of your Priority Pass membership card delivery. With the card, use your Pinnacle card to swipe for entry.
Entertainment Benefits
The card enhances your entertainment experience with a ‘Buy One, Get One Free’ offer on BookMyShow movie tickets (up to three free tickets per month) and a 20% discount on BookMyShow events and offers.
Pinnacle Dining
Cardholders are entitled to a complimentary EazyDiner membership worth ₹2500 for one year. This includes a joining bonus of 2000 EazyPoints, 2X EazyPoints on all restaurant table reservations, and significant savings at listed restaurants in India and Dubai. Additionally, on special occasions like anniversaries and birthdays, complimentary desserts and cakes are offered.
No longer available: While the complimentary EazyDiner membership was included in the offer email I received from IndusInd Bank, upon contacting customer support to activate it, I was informed that this perk is no longer available with the card. I’m uncertain if these variations are specific to individual customers, as some people appear to receive personalized offers regarding welcome bonuses and joining fees.
Pinnacle Assurance
The card provides insurance coverage for unauthorized transactions due to loss or theft of the card and protection against counterfeit fraud.
Pinnacle Travel
With services ranging from flight bookings and hotel reservations to visa services, foreign exchange, and insurance, the Pinnacle card makes travel arrangements seamless.
No Annual Fees
The Pinnacle MasterCard comes with a unique proposition of a one-time joining fee with no annual or monthly charges, making it an attractive option for those seeking premium benefits without recurring costs.
Welcome Gift Vouchers
New cardholders are welcomed with exciting gift vouchers, with the option to choose from a variety of brands, both online and offline. The joining fees for the card come with attractive benefits, including online and offline vouchers and complimentary Eazy Diner Prime membership.
Claim your gift voucher: To obtain your welcome gift voucher, contact the bank’s customer care and submit a request after paying the joining fee as indicated on that month’s statement and upon confirmation of the transaction in your account.
Welcome Gift Vouchers: Options Are Following
| Joining Fees | Remarks | Welcome Gift | Brand ( You Can Take Any Voucher As per Your Choice ) |
| 14999+ GST 18% | Lifetime Free Card / No Annual / No Monthly Fees | 10000 Rs Online Voucher + 1 Year Complimentary Eazy Diner Prime Membership Worth 2500 Rs | Amazon / Flipkart / HP Petrolum / BPCL / Hotstar / Bata / Jockey / Kama Ayurveda / Lifestyle Online / Max Online / Home Centre Online / Myntra / Shemaroo Me / Prestige / Shopper’s Stop / SonyLiv / Croma / Swiggy / Apollo Pharmacy / Archies / Biba Online / Dominos / More / Ola Cabs / TATA Cliq / UBER / Reliance Digital / Reliance Smart / Cultpass LIVE / Cultpass Pro/Elite / CultSport / Zomato Vouchers / |
| 15000+ GST 18% | Lifetime Free Card / No Annual / No Monthly Fees | 15000 Rs Offline Voucher+ 1 Year Complimentary Eazy Diner Prime Membership Worth 2500 Rs | Arrow | BATA | Benetton | Beyoung | Celio | Chaayos | Docubay | Gini & Jony | Hidesign | HUSH PUPPIES | Kama Ayurveda | MX Player | Pantaloons | PUMA | PVR | Sleepwell |SonyLiv | Hammer | Raymonds | The Skin Story | Titan | Vero Moda | W for Woman | Wildcraft | William Penn | Wonderchef | Woodland | |
Rewards Program
Cardholders earn rewards points on their transactions, with 2.5 points for every ₹100 spent online (excluding certain categories), 1.5 points for e-commerce travel and airline transactions, and 1 point for every ₹100 spent at the point of sale. Each reward point is valued at ₹0.75.
Additional Perks: The card includes a range of additional perks such as a 1% fuel surcharge waiver on petrol pumps, auto assist services, air accident cover, travel insurance, and 24×7 concierge services.
Additional Card for Business Expenses: You can have an additional card to track your business expenses separately and have a clear distinct record segregating your business and personal expenses.
Apply for Add-on Credit Card: You can apply for Add-on Credit Card by selecting the Quick Links at IndusInd Bank website and providing your business details as prompted to request this card.
Eligibility
- For salaried individuals: ₹10 lakh per annum
- For self-employed: ₹12 lakh per annum
You could still qualify, even if you don’t meet these criteria, depending on your existing relationship with IndusInd Bank.
IndusInd Bank Mobile App
Exclusively utilizing IndusInd Bank credit cards, I do not maintain any savings accounts with the bank. The mobile app, overall, exhibits commendable stability and boasts a user-friendly interface, facilitating seamless navigation and easy access to essential information. However, there seems to be room for improvement in the service request section, where information updates may not be as prompt as desired.
One notable feature is the integrated scanner, allowing convenient payments through BharatQR, UPI, and RuPay. The app also effectively highlights all eligible and personalized offers, enhancing the user experience by providing easy access to valuable promotions and deals.
Scan and pay from MasterCard and Visa: You can scan and make payments using both your MasterCard and Visa Card through an eligible BharatQR.
Conclusion
The IndusInd Bank Pinnacle MasterCard World Credit Card, with its extensive array of benefits, caters to the discerning needs of individuals who seek luxury, convenience, and financial advantages. Whether it’s for travel, entertainment, or everyday expenses, this credit card proves to be a valuable companion, offering a lifestyle that goes beyond the ordinary.
