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Any way to upgrade Indus Legend to Pinnacle without joining fees?

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Ram1

Ram1

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Have Indusind Legend card with 3L limit and zero balance savings account.
How to upgrade legend to Pinnacle without fees? As I want to have zero bal exclusive account.
15k fee with Amazon gv brings big loss of 3k+2700
 
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Ram1 said:
Can we get signature debit cards for free on pioneer accounts too?
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I have a Pioneer account. You get a Visa Infinite debit card, so not sure why you would downgrade.

Also, I closed my LTF Legend card which was pointless. They only offered Pinnacle with 15k offline vouchers on paying joining fees, with no annual fees, but I refused since I would only take it up if joining fees are reversed in the statement.
 
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Sometimes LTF Offer for Signature Legend and Pinnacle Cards crop up on Paisa Bazar as pre-approved offer.

I had platinum card, closed it, waited for 6 months. But by then mastercard ban has kicked. So Pinnacle was not availble. Applied for Legend and got it. After 1 month mastercard ban was lifted, LTF Pinnacle was being shown again on paisa bazar, but then I called it quits. Not worth the time and effort.
 
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kn0w1 said:
On upgrade from Exclusive to Pioneer, they don't disable the old debit card while issuing the new one. I use both depending on rewards. Some of the Visa benefits are exclusive to Infinite.
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My question is exclusive debit card stays free on pioneer account or not?
As per rules, exclusive debit cards are free for exclusive account, pioneer debit card is free for pioneer account.
If possible can u pls confirm with customer care?
 
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resurrectedaf19 said:
In 2019, I opened a zero balance savings account with IndusInd Bank. However, I neglected to complete the VideoKYC process, resulting in the freezing of my account after one year. To rectify the situation, I visited the branch and completed the KYC requirements. Considering the bank's zero charges on IMPS transaction and competitive FD rates compared to other banks, I decided to actively use this account.

Last year, IndusInd Bank reached out to me with a pre-approved lifetime free credit card offer. I expressed my interest in obtaining the Pinnacle card, but due to the Mastercard ban at the time, they were unable to issue it. Instead, the bank representative convinced me to opt for the Legend card, assuring me that I could upgrade to the LTF Pinnacle once the ban was lifted, without incurring any joining fee. I agreed to this arrangement and received the Legend card, along with a complimentary Eazydiner membership.

Following that, I visited the branch and upgraded my bank account to the Select variant. However, when the ban on Mastercard was eventually lifted, I contacted the bank via email to request an upgrade to the Pinnacle card without any joining fee. To my disappointment, the bank outright denied my request and insisted on a payment of 15,000 INR + GST. Despite approaching both the Relationship Manager and the Branch Manager, they were unable to help me in this matter. Since I primarily used the card for booking movie tickets through BookMyShow, I chose not to pursue the issue any further.

This year, when IndusInd Bank devalued the card, I decided to make another attempt to upgrade. I wrote multiple emails, addressing them to various levels of authority within the bank, all the way up to the Nodal officer. However, all my efforts were in vain as they continued to deny my request. They requested any SMS, emails, or audio evidence supporting my claim, which I unfortunately did not possess. As a final resort, I lodged a complaint with the RBI Ombudsman.

Subsequently, I received an email from IndusInd Bank stating that they would convert my card to the LTF Pinnacle without any joining fee. This month, I received the upgraded card along with another complimentary Eazydiner membership. Additionally, I visited the branch this week and upgraded my Select variant savings account to the Exclusive variant.View attachment 21187
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What was the process of upgrading bank accounts dis it involve some funding?
 
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Finally decided to upgrade my LTF Legend to Pinnacle card by paying the 15k + GST joining fee. Will choose 15k Yatra vouchers (divided into 3 of 5k each) so in a way I will be only paying the GST effectively of INR 2700. End goal is to convert my Indusind online delight account with a INR 590 annual fee useless debit card to 0 MAB Indusind Exclusive account with a World Exclusive or Signature Exclusive complimemtary debit card. Hoping to recover my GST from debit card fee savings, zero forex international transactions/withdrawals and no fee international withdrawals. 😋
 
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