I have Indusind Grande account, useless ?

[Sachin2008]

Hello, I Just opened Indusind Grande account and I didn't research before opening this account.
Is it a useless saving account ? Should I consider Pioneer ?
MAB for Grande is 5L
What is MAB for Pioneer ?

 

[financewizard]

Yes, Grande does not have much value for 5L MAB. Pioneer has an MAB of 10L!! At 10L you can easily go for Axis and also get premium Credit Cards. If you wish to have an IndusInd Savings account - go for Exclusive (1L MAB for common users - or 0MAB with Pinnacle Credit Card customers).

 

[redcarpet]

Apply for pinnacle. You will get ltf + joining fees of 5k+gst gets reversed once u cross 50k in 90 days.
Post that u can downgrade to Exclusive and get 0mab

 

[SSV]

Apply for pinnacle. You will get ltf + joining fees of 5k+gst gets reversed once u cross 50k in 90 days.
Post that u can downgrade to Exclusive and get 0mab

Very good idea .. --> @Sachin2008

 

[Sachin2008]

Apply for pinnacle. You will get ltf + joining fees of 5k+gst gets reversed once u cross 50k in 90 days.
Post that u can downgrade to Exclusive and get 0mab

For a downgrade do I need to visit the bank again? or I can apply online ?
what if I upgrade to Pioneer and don't maintain 10L

 

[SSV]

For a downgrade do I need to visit the bank again? or I can apply online ?
what if I upgrade to Pioneer and don't maintain 10L

I don't know the details of these accounts... but I want to tell you one thing in general...

Keep it simple ...about anything.. it will make your life much easier and happier..

 

[redcarpet]

For a downgrade do I need to visit the bank again? or I can apply online ?
what if I upgrade to Pioneer and don't maintain 10L

Call ur RM and ask for downgrade.
Afaik downgrade is only possible after 1 month but better confirm

 

[Sachin2008]

Call ur RM and ask for downgrade.
Afaik downgrade is only possible after 1 month but better confirm

Thanks. I have grande account but i didn't apply for Pinnacle cc
so I am applying for Pinnacle World Credit Card tomorrow through BM
he is saying its LTF
do I need to provide other cc statements for good limit like in c2c

 

[redcarpet]

Thanks. I have grande account but i didn't apply for Pinnacle cc
so I am applying for Pinnacle World Credit Card tomorrow through BM
he is saying its LTF
do I need to provide other cc statements for good limit like in c2c

they need to apply pinnacle online to get ltf and joining fee reversal offer by using grande product code. Not sure c2c works. Ask him.

 

[vijay.vj]

Apply for pinnacle. You will get ltf + joining fees of 5k+gst gets reversed once u cross 50k in 90 days.
Post that u can downgrade to Exclusive and get 0mab

This is the best way out ! and also best value !

 

[vijay.vj]

For a downgrade do I need to visit the bank again? or I can apply online ?
what if I upgrade to Pioneer and don't maintain 10L

Better take pinnacle LTF and downgrade. You can maintain exclusive account with 0 MAB

 

[Sachin2008]

Better take pinnacle LTF and downgrade. You can maintain exclusive account with 0 MAB

Yes that is the plan
I hope they will give limit
because with icici I have 5L limit

 

[vijay.vj]

Yes that is the plan
I hope they will give limit
because with icici I have 5L limit

I had 0 relationship and applied for legend LTF online and received 5L limit.
Most likely you will get good limit.

If you have some money to hold for a bit... may be you can negotiate for Pioneer with some better cards LTF.
IndusInd got some 200k joining fee cards like heritage and indulge which it offers to its premium customers LTF. Financial year ending could be best time, and any newly opened branches is perfect.

 

[AritraSaha]

Hello, I Just opened Indusind Grande account and I didn't research before opening this account.
Is it a useless saving account ? Should I consider Pioneer ?
MAB for Grande is 5L
What is MAB for Pioneer ?

Open exclusive account after getting pinnacle cc..(only paying joining fee of 10k/15k)

Best Zero balance account.. with family banking.

 

[vijay.vj]

Open exclusive account after getting pinnacle cc..(only paying joining fee of 10k/15k)

Best Zero balance account.. with family banking.

For Grande account owners, it seems to be 5k fee and fully reversable based on 50k/75k spends in 90 days

 

[Das.N]

In another thread, I saw another person getting Pinnacle upgrade from legend with 5k fees. Reversible with 50k spending.

 

[AritraSaha]

For Grande account owners, it seems to be 5k fee and fully reversable based on 50k/75k spends in 90 days

With 10k joining fee. You can get 10k Amazon gv..
Basically only paying 1800 gst .

Your 5k deal , seems sweet..

 

[vijay.vj]

With 10k joining fee. You can get 10k Amazon gv..
Basically only paying 1800 gst .

Your 5k deal , seems sweet..

Looks like these offers are no longer there...

Its 15k+ GST. You get to pick 10k Amazon/flipkart or 15k Vouchagram vouchers

Vouchers available under Vouchagram Slot are
ALDO
Bata
Benetton
Celio
Chaayos
Charles & Keith
Gini & Jony
Hidesign
Hush Puppies
Kama Ayurveda
PUMA
Pantaloons
PVR Cinemas
Raymonds
Titan
Vero Moda
W for Woman
William Penn
Woodland
Hotstar
ZEE 5

so if you already have Grande, best is to apply with 5k+GST and withs spends you can make it LTF.

 

[Sachin2008]

Looks like these offers are no longer there...

Its 15k+ GST. You get to pick 10k Amazon/flipkart or 15k Vouchagram vouchers

Vouchers available under Vouchagram Slot are
ALDO
Bata
Benetton
Celio
Chaayos
Charles & Keith
Gini & Jony
Hidesign
Hush Puppies
Kama Ayurveda
PUMA
Pantaloons
PVR Cinemas
Raymonds
Titan
Vero Moda
W for Woman
William Penn
Woodland
Hotstar
ZEE 5

so if you already have Grande, best is to apply with 5k+GST and withs spends you can make it LTF.

Buddy who told you this ? with Grande its lifetime free acco. to my BM. He said to me today. (No spend etc)

 

[Sachin2008]

I had 0 relationship and applied for legend LTF online and received 5L limit.
Most likely you will get good limit.

If you have some money to hold for a bit... may be you can negotiate for Pioneer with some better cards LTF.
IndusInd got some 200k joining fee cards like heritage and indulge which it offers to its premium customers LTF. Financial year ending could be best time, and any newly opened branches is perfect.

I got the right guy.
Yes, I have funds. Right now my grande Saving account have 5L and I am ready to make to 10L for Pioneer.
But the main issue is with Pioneer account PIONEER Heritage Metal Credit Card we have to pay 1.8L fees for lifetime and 90K with annual fees.
Can you tell me why Pioneer is better because they don't have 0 MAB
or any method ?