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Challenges with IndusInd Pinnacle Card & Exclusive Savings Account: Seeking Guidance on Upgrades and Benefits"

adi.maurya

TF Buzz
So here’s the case: I have gotten the Legend credit card and upgraded it to the Pinnacle credit card through an agent here—thanks to them. Secondly, I made a mistake by registering the credit card as soon as it arrived in the application, and now it’s showing an error, which I am generally facing. I’ve read here on forum that if you have connections with Paytm and Airtel prior, certain issues may arise while opening bank accounts with indusind as indusind manages some banking operations for them, which could be causing this error.

Furthermore, what I think I did wrong before being approved for the Legend card and the Pinnacle upgrade is that I tried to open an account with a ₹2,00,000 average monthly balance but left the process incomplete. Now, I have the Pinnacle card and am trying to open the exclusive savings account. Unfortunately, none of the three methods for opening the account are working. The worst part is that I’m unable to connect with a real agent despite trying multiple times. The IVR system directs me to their official website for more information, but I still can't get the support I need.

Moving on, one day after Holi, I visited my nearest IndusInd branch in person. However, after reading online that people were not aware of the reverse account opening process, I went to the branch to inquire about it. The branch staff told me they couldn’t open an exclusive savings account linked to the credit card’s holding capacity and even asked for my credit limit. They were unaware of the process.

Now, I am stuck with a message suggesting that I open a Delight savings account, which requires zero monthly average balance. The issue is, will I be able to upgrade to the exclusive savings account simply by opening the Delight account? Can I upgrade internally via the IndusInd mobile application without going to the branch, without any judgment about my balance, as I have faced in other banks like HSBC and Standard Chartered?

Additionally, I received a message suggesting I open the Delight savings account, which also includes a Titanium debit card with zero issuance and annual fees. I’ve saved the screenshot for reference. I’m thinking of opening this account and trying to upgrade it internally. I’m not sure how to do that, so if anyone knows, please help me out. Feel free to link threads or forums if relevant, or simply please share your experience here directly as well.

Now, regarding the Pinnacle card and exclusive savings account: I’m interested in knowing if there are any other premium savings account variants at IndusInd that provide similar benefits, since I'm concerned that if they close the exclusive account onboarding all this efforts and wait would go in vain.

As, the two main reasons I am considering IndusInd’s exclusive savings account are: zero charges on international ATM withdrawals and zero Forex markup fees. These are the prime benefits I’m looking for. Can anyone tell me if any other banks offer similar benefits?

Please let me know. Thank you in advance for your help!
 

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So here’s the case: I have gotten the Legend credit card and upgraded it to the Pinnacle credit card through an agent here—thanks to them. Secondly, I made a mistake by registering the credit card as soon as it arrived in the application, and now it’s showing an error, which I am generally facing. I’ve read here on forum that if you have connections with Paytm and Airtel prior, certain issues may arise while opening bank accounts with indusind as indusind manages some banking operations for them, which could be causing this error.

Furthermore, what I think I did wrong before being approved for the Legend card and the Pinnacle upgrade is that I tried to open an account with a ₹2,00,000 average monthly balance but left the process incomplete. Now, I have the Pinnacle card and am trying to open the exclusive savings account. Unfortunately, none of the three methods for opening the account are working. The worst part is that I’m unable to connect with a real agent despite trying multiple times. The IVR system directs me to their official website for more information, but I still can't get the support I need.

Moving on, one day after Holi, I visited my nearest IndusInd branch in person. However, after reading online that people were not aware of the reverse account opening process, I went to the branch to inquire about it. The branch staff told me they couldn’t open an exclusive savings account linked to the credit card’s holding capacity and even asked for my credit limit. They were unaware of the process.

Now, I am stuck with a message suggesting that I open a Delight savings account, which requires zero monthly average balance. The issue is, will I be able to upgrade to the exclusive savings account simply by opening the Delight account? Can I upgrade internally via the IndusInd mobile application without going to the branch, without any judgment about my balance, as I have faced in other banks like HSBC and Standard Chartered?

Additionally, I received a message suggesting I open the Delight savings account, which also includes a Titanium debit card with zero issuance and annual fees. I’ve saved the screenshot for reference. I’m thinking of opening this account and trying to upgrade it internally. I’m not sure how to do that, so if anyone knows, please help me out. Feel free to link threads or forums if relevant, or simply please share your experience here directly as well.

Now, regarding the Pinnacle card and exclusive savings account: I’m interested in knowing if there are any other premium savings account variants at IndusInd that provide similar benefits, since I'm concerned that if they close the exclusive account onboarding all this efforts and wait would go in vain.

As, the two main reasons I am considering IndusInd’s exclusive savings account are: zero charges on international ATM withdrawals and zero Forex markup fees. These are the prime benefits I’m looking for. Can anyone tell me if any other banks offer similar benefits?

Please let me know. Thank you in advance for your help!
If you open indusind delight account then have to wait for 3months and then you will be able to do upgrade request and another option is that you directly open exclusive savings account with initial funding and later link this card so there would not be problem in future
 
If you open indusind delight account then have to wait for 3months and then you will be able to do upgrade request and another option is that you directly open exclusive savings account with initial funding and later link this card so there would not be problem in future
actually, out of frustration I have ended up applying for delight account in hopes for upgrading it to exclusive variant, is the 3months thing for sure thing? cant i like open the account and then input 2lakhs into it and tell the folks from branch to upgrade it in a week?


you directly open exclusive savings account with initial funding and later link this card so there would not be problem in future
sorry i didn't understand the, direct opening account, as direct opening options is just not working for me i tried multiple times / ways
 
If you open indusind delight account then have to wait for 3months and then you will be able to do upgrade request and another option is that you directly open exclusive savings account with initial funding and later link this card so there would not be problem in future
As i understand, Indusind bank does not provide upgrade to online accounts...I opened online advantage account and requested for exclusive...I was told to close advantage and open exclusive through branch after 3 months
 
So here’s the case: I have gotten the Legend credit card and upgraded it to the Pinnacle credit card through an agent here—thanks to them. Secondly, I made a mistake by registering the credit card as soon as it arrived in the application, and now it’s showing an error, which I am generally facing. I’ve read here on forum that if you have connections with Paytm and Airtel prior, certain issues may arise while opening bank accounts with indusind as indusind manages some banking operations for them, which could be causing this error.

Furthermore, what I think I did wrong before being approved for the Legend card and the Pinnacle upgrade is that I tried to open an account with a ₹2,00,000 average monthly balance but left the process incomplete. Now, I have the Pinnacle card and am trying to open the exclusive savings account. Unfortunately, none of the three methods for opening the account are working. The worst part is that I’m unable to connect with a real agent despite trying multiple times. The IVR system directs me to their official website for more information, but I still can't get the support I need.

Moving on, one day after Holi, I visited my nearest IndusInd branch in person. However, after reading online that people were not aware of the reverse account opening process, I went to the branch to inquire about it. The branch staff told me they couldn’t open an exclusive savings account linked to the credit card’s holding capacity and even asked for my credit limit. They were unaware of the process.

Now, I am stuck with a message suggesting that I open a Delight savings account, which requires zero monthly average balance. The issue is, will I be able to upgrade to the exclusive savings account simply by opening the Delight account? Can I upgrade internally via the IndusInd mobile application without going to the branch, without any judgment about my balance, as I have faced in other banks like HSBC and Standard Chartered?

Additionally, I received a message suggesting I open the Delight savings account, which also includes a Titanium debit card with zero issuance and annual fees. I’ve saved the screenshot for reference. I’m thinking of opening this account and trying to upgrade it internally. I’m not sure how to do that, so if anyone knows, please help me out. Feel free to link threads or forums if relevant, or simply please share your experience here directly as well.

Now, regarding the Pinnacle card and exclusive savings account: I’m interested in knowing if there are any other premium savings account variants at IndusInd that provide similar benefits, since I'm concerned that if they close the exclusive account onboarding all this efforts and wait would go in vain.

As, the two main reasons I am considering IndusInd’s exclusive savings account are: zero charges on international ATM withdrawals and zero Forex markup fees. These are the prime benefits I’m looking for. Can anyone tell me if any other banks offer similar benefits?

Please let me know. Thank you in advance for your help!
If you are existing customer You cant open indusind delite through online mode because it gives the same error as you pasted
next The branch also saying they cant open delite account in branch , I dont know how much it is true
 
actually, out of frustration I have ended up applying for delight account in hopes for upgrading it to exclusive variant, is the 3months thing for sure thing? cant i like open the account and then input 2lakhs into it and tell the folks from branch to upgrade it in a week?



sorry i didn't understand the, direct opening account, as direct opening options is just not working for me i tried multiple times / ways
how you opened delite account being an Existing customer to bank by CCs
online or offline please tell me
 
Guys,

Having sufficient experience with IndusInd over the past few years. Few recommendations,

1. Don't play upgrade games with IndusInd. Even if you get it you might face multiple issues.

2. A better approach is to go with a 2-3L IP cheque and ask them to open a separate account with manual approval. I know 2-3L is a bit high for exclusive but if branch is not supportive the IP cheque will open doors you didn't know existed.. I have 3 accounts with Indusind including Exclusive and Pioneer, and I am planning to get their delight account for the delight DC. I am giving an IP cheque and rest will be done by branch. IP cheque gets anything done in IndusInd or anybank for that matter.

3. Except for online accounts, branch can do almost everything with manual approval.

4. Stay away from BMs and DBMs. Get on good terms with your RM. If he is a moron, find a junior employee.

5. Always get add on accounts with your account. Make is non negotiable.

6. For Add On accounts.Never uograde always open new ones. Say you had exclusive family banking. Now you opened an extra pioneer account. Dont upgrade the add-ons get new ones.

7. One customer ID can be grouped to another via one account only. For eg say you mom has Exclusive Add on with your a/c but you opened extra pioneer a/c for yourself and mom. Her pioneer can't be grouped without breaking the Exclusive grouping. And it's not worth re-grouping. If opened offline a single grouping is enough no matter how many accounts you get.

8. Never close online accounts. And for anything offline, if you face any friction you are in a wrong branch. Find a new branch. Almost anything can be done in IndusInd with manual approval as long as it's not an online account. Even for online they can do anything that's allowed in their system.
 
2. and I am planning to get their delight DELITEaccount for the delight DC. I am giving an IP cheque and rest will be done by branch. IP cheque gets anything done in IndusInd or anybank for that matter.
how You will open DELITE ACCOUNT when it is online variant, once you are an existing customer , You cant open it either
so the offline they open it or not please tell me
are they opening DELITE ACCOUNT OFFLINE ALSO please tell me bro
 
how You will open DELITE ACCOUNT when it is online variant, once you are an existing customer , You cant open it either
so the offline they open it or not please tell me
are they opening DELITE ACCOUNT OFFLINE ALSO please tell me bro

Well I told them I need the delite/delight DC for fuel offer at any cost. The BM told me that they will try the delite account if there any issues (cuz its online) they will try open the next variant that allows applying delite DC. My target is getting the DC and not the a/c per se. I think privilege account also allows delite DC. Eitherway unless it's completely impossible I should be able to get an account and delite DC
 
Well I told them I need the delite/delight DC for fuel offer at any cost. The BM told me that they will try the delite account if there any issues (cuz its online) they will try open the next variant that allows applying delite DC. My target is getting the DC and not the a/c per se. I think privilege account also allows delite DC. Eitherway unless it's completely impossible I should be able to get an account and delite DC
as per my BM he said he can apply delite DC to any account when I complained on branch to PNO that they are not opening delite savings account
but issuance and Annual charges will be levied

I also though of getting the same card for same reason but when he said charges I dropped

and he said we are not openeing the delite in bank
 
Which benifit are currently available for IndusInd Select/Exclusive dc's ?
as currently there is no platform to pay cc bill.

While IDFC offers much better DC reward points
 
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