Indus delight zero saving account

[chandra.prakash]

Please share experiences about Indus delight zero balance savings account. Is it good to open.

 

[skap9731]

1 year since i opened
Funded 10590 initial funding
Rs. 590 was debited for DC
Working perfectly fine .
now the same account I've upgraded to select (zero balance) with Legend Credit card.

 

[vaibhavpp0707]

1 year since i opened
Funded 10590 initial funding
Rs. 590 was debited for DC
Working perfectly fine .
now the same account I've upgraded to select (zero balance) with Legend Credit card.

is it worth to pay 590₹ for debit card ?

 

[skap9731]

is it worth to pay 590₹ for debit card ?

Imo yes , according to my usage - Bigbasket per month , you'll get Rs. 150-200 off , on order value of minimum Rs.1500 to Rs2000.
+Reward points every transaction (don't think wallet load counts).
+100 reward points every quarter. I.e 400 free reward points per year.
You can claim cashback in your savings account for reward points without paying any redemption fee.
Minimum 500 reward points needed to claim cashback.
1rp = 0.35 paise , so 500=Rs.175
So even at a minimum usage of as low as 1500 per month on BB groceries you'll save Rs. 150 per month. And minimum Rp collection as low as 500 anually you'll get Rs. 175 cashback.
So if you calculate 150x12 = Rs. 1800 savings anually + Rs. 175 for per 500Rp.
=Rs. 1975 benefit for Spending Rs.590.


not to mention the 20% swiggy discount upto Rs. 200 on minimum Rs. 600 order. (You can save Rs. 100-200 every once in a while) 🤗

Sorry for the long elaborated answer, i tried to make it as clear as possible.

 

[pprakash11]

1 year since i opened
Funded 10590 initial funding
Rs. 590 was debited for DC
Working perfectly fine .
now the same account I've upgraded to select (zero balance) with Legend Credit card.

Did you get Legend CC pre-approved or you applied?
I too have Select A/C, opened Dec 2022.

 

[skap9731]

Did you get Legend CC pre-approved or you applied?
I too have Select A/C, opened Dec 2022.

Pre approved on delite account, same, i upgraded to select acc in December too

 

[pprakash11]

Pre approved on delite account, same, i upgraded to select acc in December too

Okay, so your Legend CC is old, means you got it before Dec 2022?

 

[Rahul Gupta]

Pre approved on delite account, same, i upgraded to select acc in December too

I have some questions bro

1) How long after account opening you got legend pre-approved?
2) Your MAB during that period?
3) How did you knew about pre-approved offer? Call, email or something?
4) Limit of your legend cc.

 

[skap9731]

I have some questions bro

1) How long after account opening you got legend pre-approved?
2) Your MAB during that period?
3) How did you knew about pre-approved offer? Call, email or something?
4) Limit of your legend cc.

1) 4-5 months but i ignored it , didn't check.
2) barely used 2000-3000 per month
3) too many spam calls from Indus telling me that i have pre approved loan/cc , but no mention of the variant. (I ignored all the calls)
then i got email from indusconnect mentioning LTF legend cc with complimentary eazydiner membership. (I ignored thinking it's a scam)
Finally after 3 month of ignoring Constant calls and emails i decided to go to the official website and search for pre approved offer section i found an option at the very bottom of the Indusind official wesite for pre approved offers (attaching image).
Checked it, and there it was with 4 variants available as pre approved , i was given to choose.
4) 3 lacs.

 

[skap9731]

Okay, so your Legend CC is old, means you got it before Dec 2022?

Yes in oct 22

 

[pprakash11]

1) 4-5 months but i ignored it , didn't check.
2) barely used 2000-3000 per month
3) too many spam calls from Indus telling me that i have pre approved loan/cc , but no mention of the variant. (I ignored all the calls)
then i got email from indusconnect mentioning LTF legend cc with complimentary eazydiner membership. (I ignored thinking it's a scam)
Finally after 3 month of ignoring Constant calls and emails i decided to go to the official website and search for pre approved offer section i found an option at the very bottom of the Indusind official wesite for pre approved offers (attaching image).
Checked it, and there it was with 4 variants available as pre approved , i was given to choose.
4) 3 lacs.

Clearly explained !! Nice.

 

[Rahul Gupta]

1) 4-5 months but i ignored it , didn't check.
2) barely used 2000-3000 per month
3) too many spam calls from Indus telling me that i have pre approved loan/cc , but no mention of the variant. (I ignored all the calls)
then i got email from indusconnect mentioning LTF legend cc with complimentary eazydiner membership. (I ignored thinking it's a scam)
Finally after 3 month of ignoring Constant calls and emails i decided to go to the official website and search for pre approved offer section i found an option at the very bottom of the Indusind official wesite for pre approved offers (attaching image).
Checked it, and there it was with 4 variants available as pre approved , i was given to choose.
4) 3 lacs.

You kept 2000-3000rs in account and got 3 lac limit? damn bro.

 

[skap9731]

You kept 2000-3000rs in account and got 3 lac limit? damn bro.

Yup, that made me realise, keeping a high amount in your acc will not give you higher limit pre approved offer.

 

[pprakash11]

Yup, that made me realise, keeping a high amount in your acc will not give you higher limit pre approved offer.

I am decreasing it to 500-1000, then 😂

 

[skap9731]

I am decreasing it to 500-1000, then 😂

My icici cc hcpl coral was pre approved with 40k limit and i had literally 0 in my account for ,god knows how many months.

 

[pprakash11]

My icici cc hcpl coral was pre approved with 40k limit and i had literally 0 in my account for ,god knows how many months.

Strange stories😂 ICICI HPCL Coral must be LTF right?
But Amex variant is good one, right ?

 

[skap9731]

Strange stories😂 ICICI HPCL Coral must be LTF right?
But Amex variant is good one, right ?

yes ltf, but also useless
amex variant is available for rubyx/sapphiro i believe, very difficult to get i've heard

 

[pprakash11]

yes ltf, but also useless
amex variant is available for rubyx/sapphiro i believe, very difficult to get i've heard

Yeah.. so only holding Apay & MMT

 

[Chaitanya-a]

yes ltf, but also useless
amex variant is available for rubyx/sapphiro i believe, very difficult to get i've heard

LTF is difficult but they don't hesitate in providing paid higher end cards (coz they're useless tho)

 

[Chaitanya-a]

1 year since i opened
Funded 10590 initial funding
Rs. 590 was debited for DC
Working perfectly fine .
now the same account I've upgraded to select (zero balance) with Legend Credit card.

Can we upgrade to high end debit cards with this account just after opening?