Best Way to pay Credit Card Bill

[kushal]

Guys I am redacting this post as I have been asked by the bank for non disclosure as mentioned in TnCs else my account would be suspended. They had asked me to remove this as this violates the TnC related to not getting reward points for CC payments.

 

[VijayflyRaven]

Problem is:

I send mail to 'exclusive@indusind.com' and receive response who sometimes didn't read whole mail before pasting that template response.

Now, If I reply to that mail (sometimes it revert as undelivered and marked as suspected spam) after all struggle not even once get response to that mail.

Is Indus responds only once?

I even sent complaint mail (after follow-up proper timeline), to NO not even once they replied even 1st time.

Complained to nearby branch, they said they received responses but since it is already closed no reply (so, basically whatever they sent 1st time that is final and ticket closed).

Avoid indus bank. I had similar bad experience.

 

[VISHESH_BANSAL]

Problem is:

I send mail to 'exclusive@indusind.com' and receive response who sometimes didn't read whole mail before pasting that template response.

Now, If I reply to that mail (sometimes it revert as undelivered and marked as suspected spam) after all struggle not even once get response to that mail.

Is Indus responds only once?

I even sent complaint mail (after follow-up proper timeline), to NO not even once they replied even 1st time.

Complained to nearby branch, they said they received responses but since it is already closed no reply (so, basically whatever they sent 1st time that is final and ticket closed).

Use the E-Mail ID of social Media team.
Social media team never disappointed me
socialm@indusind.com

After sending E- mail. Share the Screeshot of Service Request Number received via Automated Response via DM to Indus Twitter Handle

 

[brightknight]

Which alternative bank would you guys suggest ?

 

[4uziaul]

Don't consider that it happens to all their customers. It is based on branch, our TRV, support people responding our queries. It may not happen to everyone.

Whichever bank is near that is your high priority then look for features like high fd - go for Indus or to take more risk Corporate banks, similarly lockers, credit cards etc. it will narrow down the required bank.

Again, if I say I have good experience in HDFC there are so many who never got anything from that bank, so no fixed answer.

Well said, experience differs from person to person.

 

[VISHESH_BANSAL]

View attachment 17830

Is this correct handle?

Yes.
As you told Experience differ from Customer to Customer.

For me Only Axis is Chor, lukkha, luccha, Hadd se bada tuccha Bank hai

Never faced Issues in any other Bank which I faced with only Anokhelal Axis Bank Ltd

 

[VijayflyRaven]

Which alternative bank would you guys suggest ?

Indus is good for offers and low value transactions. Their 20% bigbasket offer has been running for many years.

For large value transactions, the big 3 are ICICI, HDFC & SBI. They are too big to fail and are safe for >5 lakhs investment.

If we want to target a specific credit card like Axis Magnus or reserve, we can get their savings account and then downgrade.

 

[VijayflyRaven]

Well said, experience differs from person to person.

We have to be open to try multiple banks. Sometimes we might have bad experience and if we have continuous bad experience, better to move away.

For example, BOB credit card experience has been bad for me for over 2 months of interaction (more than 5 interactions) and for me it is bad. Others might have similar bad experience if they expect higher standards of customer care.

Similarly, Indusind has poor IT support governance. If branch makes mistakes and if we escalate to PNO/ social media, most banks fix the issue. However, Indusind has not been doing it. I had 2 bad experience in just 1 month of banking with them. They have poor service desk software which keeps creating 100s of tickets for same issue.

 

[4uziaul]

Yes.
As you told Experience differ from Customer to Customer.

For me Only Axis is Chor, lukkha, luccha, Hadd se bada tuccha Bank hai

Never faced Issues in any other Bank which I faced with only Anokhelal Axis Bank Ltd

Pura frustration nikal diya 🤣

 

[4uziaul]

We have to be open to try multiple banks. Sometimes we might have bad experience and if we have continuous bad experience, better to move away.

For example, BOB credit card experience has been bad for me for over 2 months of interaction (more than 5 interactions) and for me it is bad. Others might have similar bad experience if they expect higher standards of customer care.

Similarly, Indusind has poor IT support governance. If branch makes mistakes and if we escalate to PNO/ social media, most banks fix the issue. However, Indusind has not been doing it. I had 2 bad experience in just 1 month of banking with them. They have poor service desk software which keeps creating 100s of tickets for same issue.

That's why it's never going to be my primary account. Haven't been able to use it since opening my account.

 

[bhavik886151]

any one using Burgundy Debit card which gave 2 Edge Point for every 200rs

 

[VijayflyRaven]

any one using Burgundy Debit card which gave 2 Edge Point for every 200rs

That is 0.20% cash rate and 0.80% HNI transfer rate. Very low.

 

[bhavik886151]

That is 0.20% cash rate and 0.80% HNI transfer rate. Very low.

yes i know that but 0.80% is unlimited if you have magnus

 

[VijayflyRaven]

yes i know that but 0.80% is unlimited if you have magnus

cash rate is only 0.2%. UBI gives unlimited 1% cash rate. Indus pioneer gives unlimited 0.5%.

Just adding other options. Axis looks good too but rate could have been higher as it is not cash rate. Getting only 0.8% for hotel or miles does not seem better than UBI 1% cash.

 

[rishav05]

Does Indusind MC world card of Signature variant provides reward points on CheQ ?

 

[4uziaul]

Does Indusind MC world card of Signature variant provides reward points on CheQ ?

Indeed it does.

 

[rishav05]

Indeed it does.

Thats the double dip..

 

[rishav05]

Indeed it does.

I should first utilize HDFC Bank till 75K then RBL signature+ for 1L and then Indusind MC on CheQ for 1.125L then only switch to Visa signature Indusind for another 1.125L..

 

[4uziaul]

Thats the double dip..

Yes 👍

 

[4uziaul]

I should first utilize HDFC Bank till 75K then RBL signature+ for 1L and then Indusind MC on CheQ for 1.125L then only switch to Visa signature Indusind for another 1.125L..

You have it well planned out 😉

 

[Anshul Gupta]

I have an HDFC CC bill of more than 6 Lakhs. Please suggest what method I should use to get max cashback. I am holding IDFC First Wealth and HDFC Millennia debit cards.

Millennia DC will only give up to Rs.400 and I'm not exactly sure about the rewards of IDFC First Wealth DC. Any other platforms/ apps for better rewards? Could someone suggest ways to pay this bill and how much total cashback I can expect on the whole bill amount?