Pinnacle to Celesta upgrade options

[Ram1]

I have Pinnacle LTF with 3L limit.
Got call from Indusind executive today regarding Celesta amex upgrade.

IndusInd Bank Celesta American Express Credit Card Features & Benefits

Choose the IndusInd Bank Celesta American Express Credit Card for superior banking services. Avail yourself of complimentary lounge access, BookMyShow offers, air accident assurance, and more.

www.indusind.bank.in

He offered 3 options
1. JF 25k and AF 5k
25k non essential vouchers
75% essential vouchers
Eazydinners voucher worth 6k annual

2. JF 13k and AF 5k
No joining vouchers
Eazydinners voucher worth 6k annual

3. JF 50k and AF 0
50k non essential vouchers
70% essential vouchers

Essential vouchers link

Indusind Bank

www.gyftr.com

Non essential vouchers link

Indusind Bank

www.gyftr.com

I have 19k points in Pinnacle, with upgrade they will adjust 14k cash to card.

Is there real benefit in this card to go for this upgrade? Need opinions

 

[drvirag]

But other banks should learn from indus. They can also sell cards with hefty joining fee. Those who want can take for status or if they justify usage.
Many will take infina at 75k joining fee. Win win for both.

 

[Ram1]

True, they have 1 card for each week of the month. 🤣🤣

Rbl too, even they launched card with patanjali lol

 

[Ram1]

But other banks should learn from indus. They can also sell cards with hefty joining fee. Those who want can take for status or if they justify usage.
Many will take infina at 75k joining fee. Win win for both.

Yeah they read people mindset well. Recover years fee in the form of joining fee and branding as ltf.

 

[Kabir_1112]

Rbl too, even they launched card with patanjali lol

Oh I think I missed that. I didn't know that. That's crazy to launch a card with Patanjali.

 

[Ram1]

Oh I think I missed that. I didn't know that. That's crazy to launch a card with Patanjali.

Yeah rbl launches card with every fintech