Indusind CC application query: Indie, C2C, Offline, and Pre-Approvals

[joell]

I don't have a CC with Indusind. Only with HDFC ICICI Federal & Kotak. Has anyone applied for IndusInd CC on a C2C basis recently? Read a mix of indusind aren't taking C2C anymore while others are getting it done offline. I opened by Indie Megastar account in June 2024 with 2L FD.

1. Has anyone applied for C2C offline anytime recently? And if so how was the process?
2. Do they offer pre-approved credit cards to Indie Megastar users? Has anyone Megastar with got a preapproved offer?
3. What are the general criteria for pre-approval of credit cards at IndusInd Bank?
4. I got an email from Indusind 2 weeks ago titled "Congratulations on being Shortlisted for Lifetime Free IndusInd Credit Card". Is this a preapproval or marketing?

I tried applying as a student in Oct but was rejected immediately (Rejection SMS in 30 secs) No CIBIL enquiry or any query.

 

[VasukiVasuki is verified member.]

I got an email from Indusind 2 weeks ago titled "Congratulations on being Shortlisted for Lifetime Free IndusInd Credit Card". Is this a preapproval or marketing?

Most of low key card are LTF

What are the general criteria for pre-approval of credit cards at IndusInd Bank?

Put lakhs in indusind 🌝

Do they offer pre-approved credit cards to Indie Megastar users? Has anyone Megastar with got a preapproved offer?

It depends on so many factors
Pincode
Cibil
Your profile with bank
Bank internal policy

Has anyone applied for C2C offline anytime recently? And if so how was the process

Officially yes but they check cibil highest credit limit
If you apply via agent they will ask for credit card highest limit but not card details

Even after these you might have home verification & office verification

 

[joell]

Put lakhs in indusind 🌝

Ive spent around 1L using the debit card for zero forex. I'm shifting my @2.5L in FDs if I don't get an offer in a couple of months.

It depends on so many factors

No, my question is for Indie users specifically. Normal Indusind account holders have got the offers but what about Indie?

Officially yes but they check cibil highest credit limit

So, IndusInd is still accepting C2C applications? And if so are they asking for income proof? (Im asking because they have been having some defaults lately and seem more cautious. I'm a student so no proof)

 

[VasukiVasuki is verified member.]

, IndusInd is still accepting C2C applications? And if so are they asking for income proof? (Im asking because they have been having some defaults lately and seem more cautious. I'm a student so no proof)

Don't apply anything if you have defaulted recently

 

[joell]

Don't apply anything if you have defaulted recently

Not me! THEM. ''😂
"IndusInd Bank saw its net profit plummet nearly 39 per cent year-on-year (Y-o-Y) owing to higher provisions" and stocks down 40%. So they might be more credit risk averse now.

https://www.business-standard.com/finance/news/indusind-bank-seeks-to-offload-rs-1-573-crore-of-microfinance-loans-124122600891_1.html