Finally my account is activated. So it has taken 19 days from day of funding to start using my account
Now comes the next issue
I already have a Legend card from them. So user id was already generated. Now when I tried to link the acc with the existing user id, it failed, multiple times. My RM also tried, it didn't work and suggested to create new user id for the account and link the credit card later.
So I tried creating new user id using my debit card. It failed for a few hours saying 'error this request can't be processed'. I tried again after some time and it went through! Then I created a new user id, linked credit card with the account.
So as of now, things are stable and yeah their banking systems are bad. Not just the interface