• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Does Indus bank provide good credit limit enhancements?

Apply For Lifetime Free IDFC First Credit Card
R

rockyBalboa

TF Ace
Hi everyone. Few days ago I checked my eligibility for IndusInd cards on Indus website. I was eligible for 0 joining fees LTF Legend card with credit limit of 3 L. I went ahead and applied online. The primary purpose of applying for this card was that I thought on the basis of its higher credit limit I would be able to apply for other banks higher end cards in future on C2C basis. (As highest limit card in my portfolio is 1.7 L only). I received the Legend card today and the problem is that the limit I received is much less than what I was shown at the time of applying, its 70 k only! This makes this card useless for me and I am thinking of closing it as I am pretty sure it will just lie unused in my cupboard drawer apart from some occasional Indus specific offers.

Points on which I need feedback/suggestions from the community here are,
(1) Is Indus bank generous in providing limit enhancements like ICICI or stingy like Axis?
(2) At what intervals do they generally increase the limit?
(3) Should I keep this card or close it?
(4) Also, kindly share your Indus limit increase history so that it will be beneficial for me and others in future.
 
Apply For LTF AU LIT Credit Card
Sort by date Sort by votes
rockyBalboa said:
Hi everyone. Few days ago I checked my eligibility for IndusInd cards on Indus website. I was eligible for 0 joining fees LTF Legend card with credit limit of 3 L. I went ahead and applied online. The primary purpose of applying for this card was that I thought on the basis of its higher credit limit I would be able to apply for other banks higher end cards in future on C2C basis. (As highest limit card in my portfolio is 1.7 L only). I received the Legend card today and the problem is that the limit I received is much less than what I was shown at the time of applying, its 70 k only! This makes this card useless for me and I am thinking of closing it as I am pretty sure it will just lie unused in my cupboard drawer apart from some occasional Indus specific offers.

Points on which I need feedback/suggestions from the community here are,
(1) Is Indus bank generous in providing limit enhancements like ICICI or stingy like Axis?
(2) At what intervals do they generally increase the limit?
(3) Should I keep this card or close it?
(4) Also, kindly share your Indus limit increase history so that it will be beneficial for me and others in future.
Click to expand...
I also have not got any offer for LE
 
Upvote 0 Downvote
I recently spoke with IndusInd - over Customer Care as well as email for LE as even after 1-1.5 yrs of having card (but used like 3-4 times only) never got any offer.

My understandinf that LE is a challenge there but basis Salary Slip & Bank Stmt they can offer/consider.

I have shared my documents asking for LE - currently is is < 5 lakhs.

CC Executive whom I spoke to, informed me that IndusInd doesn't do LE on C2C basis.
 
Last edited:
Upvote 0 Downvote
mgforce said:
I recently spoke with IndusInd - over Customer Care as well as email for LE as even after 1-5 yrs of having card (but used like 3-4 times only)

LE is a challenge there but basis Salary Slip & Bank Stmt they can offer.

I have shared my documents asking for LE - currently is is < 5 lakhs.

CC Executive whom I spoke to, informed me that IndusInd doesn't do LE on C2C basis.
Click to expand...
Thanks for sharing @mgforce
 
Upvote 0 Downvote
I have asked for manual LE this time have and triggered the mail to indulge.care team , they have initiated the process and I got a Cibil hit enquiry too . My relation with indus is 4 months old and in this 4 month I got auto LE once within 1st month of usage from 5 to 9 ( as while applying they showed 9 lakh limit but gave 5 ) , then a LTF upgrade to Indulge and now a manual LE request . In my circle , IndusInd has been generous with limits .
Sharing the unboxing image of my LTF Indulge
4ABD6DFA-63D5-4456-86C8-F2C71A014EA6.jpeg
 
Upvote 0 Downvote
anirban.choudhury said:
I have asked for manual LE this time have and triggered the mail to indulge.care team , they have initiated the process and I got a Cibil hit enquiry too . My relation with indus is 4 months old and in this 4 month I got auto LE once within 1st month of usage from 5 to 9 ( as while applying they showed 9 lakh limit but gave 5 ) , then a LTF upgrade to Indulge and now a manual LE request . In my circle , IndusInd has been generous with limits .
Sharing the unboxing image of my LTF Indulge
View attachment 12885
Click to expand...
How 4 indulge cards?
 
Upvote 0 Downvote
anirban.choudhury said:
I have asked for manual LE this time have and triggered the mail to indulge.care team , they have initiated the process and I got a Cibil hit enquiry too . My relation with indus is 4 months old and in this 4 month I got auto LE once within 1st month of usage from 5 to 9 ( as while applying they showed 9 lakh limit but gave 5 ) , then a LTF upgrade to Indulge and now a manual LE request . In my circle , IndusInd has been generous with limits .
Sharing the unboxing image of my LTF Indulge
View attachment 12885
Click to expand...
LTF on indulge? Did you meet the 48L criteria?
 
Upvote 0 Downvote
anirban.choudhury said:
I have asked for manual LE this time have and triggered the mail to indulge.care team , they have initiated the process and I got a Cibil hit enquiry too . My relation with indus is 4 months old and in this 4 month I got auto LE once within 1st month of usage from 5 to 9 ( as while applying they showed 9 lakh limit but gave 5 ) , then a LTF upgrade to Indulge and now a manual LE request . In my circle , IndusInd has been generous with limits .
Sharing the unboxing image of my LTF Indulge
View attachment 12885
Click to expand...
You received indulge without one time joining fee like 45k plus gst or 90k plus gst?
 
Upvote 0 Downvote
You must log in or register to reply here.

Similar threads

A
Any other bank like ICICI which offers good credit limit?
Replies
7
Views
921
Gautham
G
Back
Top