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I got Pioneer Debit Card. Shall I get Pioneer Metal Debit Card?
- Thread starter EnthuCC
- Start date
If it's provided free, then go for a metal card.
viru5678
TF Select
Below is what I felt after using both the cards for over a year now;
1. Plastic DC seems to fade away after 6 months, specifically golden color on the edges.
2. Metal DC stays pretty much fresh even after 1 year of usage.
3. Metal DC is bling and privilege. People swiping will give you pleasant smile.
4. Metal DC has operating issues with ATM.
Go as per your need
1. Plastic DC seems to fade away after 6 months, specifically golden color on the edges.
2. Metal DC stays pretty much fresh even after 1 year of usage.
3. Metal DC is bling and privilege. People swiping will give you pleasant smile.
4. Metal DC has operating issues with ATM.
Go as per your need
EnthuCC
TF Premier
Yeah, I'm getting metal one then.
_vptr
TF Buzz
What made you go for indusind and not some other bank like IDFC? IDFC has higher interest rate and much better app. I'm trying to decide between both, but stuck because indusind Pioneer does have a better dc - zero forex and metal! IDFC private dc on the other requires much higher trv
Why not get both? IDFC does not downgrade if you are maintaining 25k. IndusInd doesn't either, but that is a completely different matter.
_vptr
TF Buzz
Yeah I could, I just prefer to have less number of accounts, its much difficult to close than a credit card.
EnthuCC
TF Premier
I have IDFC Wealth account already. Got upgraded it from Select recently.
_vptr
TF Buzz
So you went for indusind just for metal dc? What's your opinion about the app, customer support, and anything you see as different compared to IDFC?
EnthuCC
TF Premier
The local branch's team came in our society to promote their bank in August. I went there to inquire about credit card as I always wanted IndusInd card for merchant offers. They said that they were running an offer on Pioneer account. The offer was about MAB. I explicitly asked if I wouldn't maintain required balance for Pioneer then would they downgrade? They said no. Hence I got ready for Pioneer account.
So it's not just for metal DC. I wanted core credit card and ended up having an account there.
The app is decent, and the website seems functional too. After using IDFC app you'd feel that their app is 10 years old, same goes for website as well.
The account opening and on boarding representative was good and the credit card process was super quick too (approval within an hour).
I've been assigned an RM but my account is still new so I haven't had much experience with RM or other departments of the bank to evaluate the service well yet.
_vptr
TF Buzz
Yeah both ICICI and IDFC have good app and internet banking but terrible cc. On the other hand indusind and hdfc have decent cc but bad app. Axis used to be the one which was decent at both before cc devaluation.
IndusInd most of the times provide higher interest rates on FD compared to IDFC. And easy to create linked FD in IndusInd, same is not available in IDFC. It requires branch visit if need to enable Sweep-In facility with IDFC but default linked FD rates are lesser than manual ones.
PS: I have both Indus Pioneer & IDFC Wealth account & benefits wise IndusInd always given higher rate of return.
I don't understand what you mean. Can you use OD on IndusInd FD's without visiting Branch? Even if the FD was made at a Branch?
I meant the linked FDs which gets withdrawn in chunks on account balance shortfall below a threshold. No need to close whole FD before maturity in case of need of funds.
EnthuCC
TF Premier
Does IndusInd credits interest on linked FD amount monthly?
In my Pioneer savings account they pay interest quarterly only.
I dont think any banks provide FDs with monthly interest payout.
No many banks & 3rd party apps too provide monthly interest on fds
EnthuCC
TF Premier
IDFC Does
FD Interest Rates - Check latest Fixed Deposit Interest Rates 2024 | IDFC FIRST Bank
Check latest FD Interest Rates offered by IDFC FIRST Bank for General and Senior Citizen. Invest in fixed deposit (FD) and get the highest interest rate up to 7.90% p.a.
Panthera_Tigris
TF Buzz
The Pioneer metal DC barely even feels like metal. Yes, it is more than 3x heavier and less bendy but it seems to be made of some cheap alloy.
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