Read the first part to understand my existing relationship with IndusInd Bank before getting the Pioneer account.
First Part
Here’s a quick recap — I initially had the IndusInd Select Account, and later got the Legend Credit Card linked to it for 0 MAB.
I got my existing IndusInd Select Account upgraded to Exclusive in June 2025 through my VRM. She called one day, saying I was eligible for an upgrade, and since I was maintaining over ₹1 lakh for a month, I went for it.
After that, I tried for a Pinnacle Credit Card LTF/Conditional LTF through CC — but it got rejected.
A few weeks later, my IDFC DBM moved to IndusInd Bank as the BM of my nearest branch. While chatting with her, I brought up the Pinnacle LTF upgrade again. She tried but couldn’t get it done, instead offered a Grande Account to make the upgrade possible. I preferred going with the Pioneer Account instead — mainly for the Metal Debit Card and its benefits. Plus, I needed to park some emergency funds for my parents in FDs, so it made sense.
I completed all documentation on 13th September 2025 (evening).
✅ Account opened: 17th September
✅ DC generated & delivered: within 5–6 days
It’s a new Pioneer Account in addition to my Exclusive account. I gave consent for my Legend CC (₹4.62L) upgrade to Pinnacle CC on 18th September, and the upgrade was completed around 21st–22nd September. Before that, I split ₹30K to my EazyDiner Platinum and kept ₹4.32L in Legend.
Important note — with Pioneer, banks usually offer Pioneer Legacy LTF, not Pinnacle Grande LTF. They had committed LTF for Pioneer, and I did get approval accordingly.
Further additions:
About the Metal Debit Card:
Initially, my branch wasn’t aware of the process. They said I’d need a ₹20L CASA balance. But after checking with existing Pioneer users, I found out it only requires a form submission + ₹10L in the account. That worked — though the process was delayed slightly due to festive holidays.
(Important: Only accounts maintaining ₹10L MAB are eligible for the Pioneer Metal DC.)
Now, I’ve got my Pioneer Legacy Credit Card LTF, linked against a ₹3L FD lien.
IndusInd Bank Family Banking & Account Upgrade/Downgrade Experience
Family Banking with IndusInd Bank is super easy! Just follow these simple steps:
For account upgrades or downgrades:
Use the same form and submit it to your home branch.
Exclusive and Pioneer customers can get it done through any IndusInd branch.
Feel free to share your experience if this thread helped you or if you recently got the card/account too! 😊
If anyone needs assistance, you can DM me — I’ll share the BM/RM or CC agent contact details
First Part
Here’s a quick recap — I initially had the IndusInd Select Account, and later got the Legend Credit Card linked to it for 0 MAB.
I got my existing IndusInd Select Account upgraded to Exclusive in June 2025 through my VRM. She called one day, saying I was eligible for an upgrade, and since I was maintaining over ₹1 lakh for a month, I went for it.
After that, I tried for a Pinnacle Credit Card LTF/Conditional LTF through CC — but it got rejected.
A few weeks later, my IDFC DBM moved to IndusInd Bank as the BM of my nearest branch. While chatting with her, I brought up the Pinnacle LTF upgrade again. She tried but couldn’t get it done, instead offered a Grande Account to make the upgrade possible. I preferred going with the Pioneer Account instead — mainly for the Metal Debit Card and its benefits. Plus, I needed to park some emergency funds for my parents in FDs, so it made sense.
I completed all documentation on 13th September 2025 (evening).
✅ Account opened: 17th September
✅ DC generated & delivered: within 5–6 days
It’s a new Pioneer Account in addition to my Exclusive account. I gave consent for my Legend CC (₹4.62L) upgrade to Pinnacle CC on 18th September, and the upgrade was completed around 21st–22nd September. Before that, I split ₹30K to my EazyDiner Platinum and kept ₹4.32L in Legend.
Important note — with Pioneer, banks usually offer Pioneer Legacy LTF, not Pinnacle Grande LTF. They had committed LTF for Pioneer, and I did get approval accordingly.
Further additions:
- Pioneer Add-on 1: 27th September
- Pioneer Add-on 2: 11th October
About the Metal Debit Card:
Initially, my branch wasn’t aware of the process. They said I’d need a ₹20L CASA balance. But after checking with existing Pioneer users, I found out it only requires a form submission + ₹10L in the account. That worked — though the process was delayed slightly due to festive holidays.
(Important: Only accounts maintaining ₹10L MAB are eligible for the Pioneer Metal DC.)
Now, I’ve got my Pioneer Legacy Credit Card LTF, linked against a ₹3L FD lien.
🔹 Summary
- Accounts: 1 Exclusive + 1 Pioneer + 2 Pioneer Add-ons
- Cards:
- Legend (₹4.62L) → Split ₹30K to ED Platinum
- Upgraded to Pinnacle (₹4.32L, Conditional LTF)
- Added Pioneer Legacy LTF (₹3L FD-backed)
IndusInd Bank Family Banking & Account Upgrade/Downgrade Experience
Family Banking with IndusInd Bank is super easy! Just follow these simple steps:
- Fund the new account with ₹10–20K that you want to link.
- Fill out the attached form and submit it — that’s it! The new account will be opened under the same variant as the primary one.
For account upgrades or downgrades:
Use the same form and submit it to your home branch.
Exclusive and Pioneer customers can get it done through any IndusInd branch.
Feel free to share your experience if this thread helped you or if you recently got the card/account too! 😊
If anyone needs assistance, you can DM me — I’ll share the BM/RM or CC agent contact details
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