Indus Grandé Savings Account - Discussion

[tryabptryabp is verified member.]

Official Link: https://www.indusind.com/in/en/personal/accounts/saving-account/indus-grande.html
Brochure & SOB Attached

Key Features:
- Free Locker
- Free Pinnacle Credit Card
- Free Signature Debit Card*
- Free Grande Debit Card
- Paid Pioneer Debit Card

Additional Benefits:
- Family Banking to 8 add-on accounts
- Special Interest rates on loan
- Dedicated RM & SM
- Bookmyshow 1+1 Offer for 1000Rs (Only Card that gives 1000Rs discount on non-movie tickets)


Surrogate Option:
- Average Balance 5 lac
OR
- Life insurance 2 lac
- General Insurance 50k
- Salary 2.5 lac
- Personal Loan 15 lac
- Home Loan 1.5 cr


Please add your inputs, i will update this thread accordingly.
BM convinced me to upgrade to this account instead of Exclusive, so have opened this account yesterday. I will post unboxing and welcome kit photos once i receive it.
Update: Attached Welcome Kit Photos. Nothing fancy. Just normal plastic debit card along with some documentation received.
Update: Customer Care has denied Free Signature Debit Card. I will still try from BM / RM. Hence i am opening Exclusive Accounts for family members and after getting Signature DC i will link them to Grande and then apply for PInnacle CC.

Tip : If you have higher variant account like Pioneer /Grande then you wont get Signature DC for free! For that you have to open/upgrade to signature account first >> Get free Signature DC / Exclusive World DC >> Upgrade a/c to Grande >> Get free Grande DC / Free Pinnacle CC >> Upgrade to Pioneer >> Get free Pioneer DC. And finally you will have all DC for free.

UPDATE:
1. If you are existing CC holder of Indus then you need to have floor limit for Pinnacle as it will be applied in split limit. (3 lac before split)
2. If you have 2 Indus CC then it becomes more complicated as 3rd can be applied in offline mode only on split limit basis and there is no option to get Pinnacle free in offline application.
3. Workaround is to apply for any free card in split limit basis offline through agent / branch and then upgrade it online using Grande Scheme Code to Pinnacle.

 

[vine]

Grande has non-maintenance charges... So downgrade would be the least of your concerns...

And yes, the SoC mentions charges of ₹299+GST for debit card if you don't maintain balance.

You misunderstood
My evil plan is to open grande , take grande world debit card and then downgrade to Exclusive account

 

[tryabptryabp is verified member.]

Is Grande account downgraded , if we dont maintain the balance ? Is the Grande debit card charged after account downgrade?

Depends on branch, usually no downgrade if account is active with some less balance.

 

[realjayt]

You misunderstood
My evil plan is to open grande , take grande world debit card and then downgrade to Exclusive account

Did this work out?

 

[realjayt]

Yes, once u get LTF pinnacle. Downgrade to Exclusive if you are not maintaining 5 lac MAB.

If this is done, will grande debit card remain active?

 

[tryabptryabp is verified member.]

yes, multiple debit cards allowed in Indus.

If this is done, will grande debit card remain active?

 

[realjayt]

That debit card will become chargeable.

Answer mil gaya😔

 

[realjayt]

yes, multiple debit cards allowed in Indus.

It will be chargeable from second year onwards or right away?

 

[tryabptryabp is verified member.]

It will be chargeable from second year onwards or right away?

After 1 year.

 

[Gau₹av]

So here are my current IndusInd credit cards:
- Legend: 1.5L limit
- RuPay Platinum: 90K limit
- EazyDiner Platinum: 30K limit
- ePay Amex: 30K limit

Total limit is 3L which was of Legend's from which I split. All are LTF. So my question is how to get Pinnacle LTF? Can Legend be upgraded to Pinnacle with Grande scheme code once I get Grande? @tryabp Also Pinnacle remains LTF even if Grande is closed or downgraded ?

15K JF paid offer is already showing for Legend to Pinnacle for me for a long time. Also I thought Pinnacle was LTF with Grande without any spends requirement? The stupid 50K in 3 months still applies?

Finally, I already have Exclusive account LTF 0-balance via Diwali 2022 special waiver code (https://www.technofino.in/community/threads/indusind-bank-non-mantainence-account-offer.3684/) But the only reason I want Grande is to dump Legend and get Pinnacle without insane 15K fees

Finally, I've 30L-35L FDs in IndusInd so I will later upgrade to Pioneer after getting Grande and get Pioneer DC. RM has in fact agreed to open Grande as a separate account with 5L MAB for 1 month, without touching that special waiver Exclusive account.

My only concerns are Pinnacle upgrade possible with Legend 1.5L limit ? (since I don't wish to close any of the other 3 cards). And Pinnacle really isn't LTF despite all this - 50K spends in 3 months? IndusInd CCs hardly have any offers except in Diwali so will have to do some <ahem> rotation, education, wallet loads etc.

BigBasket discounts on DC is another reason to get Grande+Pinnacle then upgrade to Pioneer since Exclusive is devalued for that but I will be keeping my Exclusive a/c+cards intact anyway for normal rewards. Or is there a better rewarding LTF card given to those having 30L-35L FDs that's above Pinnacle? I looked at Pioneer Legacy/Heritage metal/Indulge/Celesta etc but those seem geered towards a premium lifestyle and airmiles whereas I am more into saving money/cashback/value back on cards like Pinnacle.

Any guidance or clever tips would be appreciated 🙏🏽

 

[Gau₹av]

Suddenly my IndusInd Bank branch people have lost their minds or turned insanely greedy. They are saying even if you open Grande account, you must pay 15K joining fees for Pinnacle because you already have Legend CC. 😄🙄🔫 I pointed out that Pinnacle CC was a core feature of this account and at the most I can do the spend-based waiver of 50K in 3 months. But they are not budging. Their loss. It's already their worst account and without Pinnacle, it's WORTHLESS!

 

[freedealexpert]

@tryabp
I am upgraded to grande from exclusive and maintaining 5l+ having exclusive visa, mc world, grande world and visa platinum.
I want to take grande visa card.
Can i get 5th card or ready to close vida platinum also.

 

[Animal]

@tryabp
I am upgraded to grande from exclusive and maintaining 5l+ having exclusive visa, mc world, grande world and visa platinum.
I want to take grande visa card.
Can i get 5th card or ready to close vida platinum also.

I don’t think there is a Grande VISA debit card. Grande has only World MC.

 

[tryabptryabp is verified member.]

@tryabp
I am upgraded to grande from exclusive and maintaining 5l+ having exclusive visa, mc world, grande world and visa platinum.
I want to take grande visa card.
Can i get 5th card or ready to close vida platinum also.

Grande MC card is there. It doesnt even work for BMS offers. Payment fails every time.

 

[jetesh]

Grande MC card is there. It doesnt even work for BMS offers. Payment fails every time.

Yes , correct.

 

[freedealexpert]

Grande MC card is there. It doesnt even work for BMS offers. Payment fails every tim

I don’t think there is a Grande VISA debit card. Grande has only World MC.

@tryabp i have grande master card and looking for visa grande card.

In debit card apply section, i can see visa grande option also.
Looking to take 5th dc or in replace of visa titanium.

 

[imrandiwan]

In debit card apply section, i can see visa grande option also.
Looking to take 5th dc or in replace of visa titanium.

It will get rejected straight way, I tried it once.

 

[tryabptryabp is verified member.]

In debit card apply section, i can see visa grande option also.
Looking to take 5th dc or in replace of visa titanium.

Plz share screenshot. Bcoz in branch RM dashboard visa card not available

 

[Animal]

Plz share screenshot. Bcoz in branch RM dashboard visa card not available

That’s true. Even I couldn’t find Grande VISA on Indus website.

 

[Gau₹av]

Grande MC card is there. It doesnt even work for BMS offers. Payment fails every time.

Wait so basically Grande Mastercard has never worked for anybody for BookMyShow offer?

 

[imrandiwan]

Wait so basically Grande Mastercard has never worked for anybody for BookMyShow offer?

It has quota which always remains exhausted !!