I have Indusind Grande account, useless ?

[csr]

I have been successful in this story.
Legend with Select.
Upgraded to Grande.
Got Pinnacle with Grande.
Downgraded To Exclusive with Pinnacle

I'm also thinking of getting Pinnacle Cc by opening Grande account and then downgrading it to Exclusive Savings account.
Right now I have a Legend Cc with 22k reward points. What happens to the reward points?
Will the reward points get transferred to the new Pinnacle credit card?

 

[pprakash11]

I'm also thinking of getting Pinnacle Cc by opening Grande account and then downgrading it to Exclusive Savings account.
Right now I have a Legend Cc with 22k reward points. What happens to the reward points?
Will the reward points get transferred to the new Pinnacle credit card?

I didn't spend anything from Legend Card, so can't answer this question.
Since my reward points were 0

 

[vine]

I'm also thinking of getting Pinnacle Cc by opening Grande account and then downgrading it to Exclusive Savings account.
Right now I have a Legend Cc with 22k reward points. What happens to the reward points?
Will the reward points get transferred to the new Pinnacle credit card?

Am curious what are they worth anyway?

 

[csr]

Am curious what are they worth anyway?

For cash redemption 1 RP = Rs 0.50
For non cash redemption 1 RP = Rs 0.75

 

[Nemil]

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 suggest you upgrade to Pioneer. They don't usually downgrade for non-maintenance. Even if they do, they don't charge non-maintenance charges. You also get Visa Infinite debit card, get a midsize locker free, etc.

 

[anonymuos]

So here are my current IndusInd credit cards:
- Legend: 1.5L limit
- RuPay Platinum: 90K limit
- EazyDiner Platinum: 30K limit
- ePay Amex: 30K limit

Total limit is 3L which was of Legend's from which I split. All are LTF. So my question is how to get Pinnacle LTF? Can Legend be upgraded to Pinnacle with Grande scheme code once I get Grande? Also Pinnacle remains LTF even if Grande is closed or downgraded ?

15K JF paid offer is already showing for Legend to Pinnacle for me for a long time. Also I thought Pinnacle was LTF with Grande without any spends requirement? The stupid 50K in 3 months still applies?

Finally, I already have Exclusive account LTF 0-balance via Diwali 2022 special waiver code (https://www.technofino.in/community/threads/indusind-bank-non-mantainence-account-offer.3684/) But the only reason I want Grande is to dump Legend and get Pinnacle without insane 15K fees

Finally, I've 30L-35L FDs in IndusInd so I will later upgrade to Pioneer after getting Grande and get Pioneer DC. RM has in fact agreed to open Grande as a separate account with 5L MAB for 1 month, without touching that special waiver Exclusive account.

My only concerns are Pinnacle upgrade possible with Legend 1.5L limit ? (since I don't wish to close any of the other 3 cards). And Pinnacle really isn't LTF despite all this - 50K spends in 3 months? IndusInd CCs hardly have any offers except in Diwali so will have to do some <ahem> rotation, wallet loads etc.

BigBasket discounts on DC is another reason to get Grande+Pinnacle then upgrade to Pioneer since Exclusive is devalued for that but I will be keeping my Exclusive a/c+cards intact anyway for normal rewards. Or is there a better rewarding LTF card given to those having 30L-35L FDs that's above Pinnacle? I looked at Pioneer Legacy/Heritage metal/Indulge/Celesta etc but those seem geered towards a premium lifestyle and airmiles whereas I am more into saving money/cashback/value back on cards like Pinnacle.

Any guidance or clever tips would be appreciated 🙏🏽

 

[ManojGowda]

So here are my current IndusInd credit cards:
- Legend: 1.5L limit
- RuPay Platinum: 90K limit
- EazyDiner Platinum: 30K limit
- ePay Amex: 30K limit

Total limit is 3L which was of Legend's from which I split. All are LTF. So my question is how to get Pinnacle LTF? Can Legend be upgraded to Pinnacle with Grande scheme code once I get Grande? Also Pinnacle remains LTF even if Grande is closed or downgraded ?

15K JF paid offer is already showing for Legend to Pinnacle for me for a long time. Also I thought Pinnacle was LTF with Grande without any spends requirement? The stupid 50K in 3 months still applies?

Finally, I already have Exclusive account LTF 0-balance via Diwali 2022 special waiver code (https://www.technofino.in/community/threads/indusind-bank-non-mantainence-account-offer.3684/) But the only reason I want Grande is to dump Legend and get Pinnacle without insane 15K fees

Finally, I've 30L-35L FDs in IndusInd so I will later upgrade to Pioneer after getting Grande and get Pioneer DC. RM has in fact agreed to open Grande as a separate account with 5L MAB for 1 month, without touching that special waiver Exclusive account.

My only concerns are Pinnacle upgrade possible with Legend 1.5L limit ? (since I don't wish to close any of the other 3 cards). And Pinnacle really isn't LTF despite all this - 50K spends in 3 months? IndusInd CCs hardly have any offers except in Diwali so will have to do some <ahem> rotation, wallet loads etc.

BigBasket discounts on DC is another reason to get Grande+Pinnacle then upgrade to Pioneer since Exclusive is devalued for that but I will be keeping my Exclusive a/c+cards intact anyway for normal rewards. Or is there a better rewarding LTF card given to those having 30L-35L FDs that's above Pinnacle? I looked at Pioneer Legacy/Heritage metal/Indulge/Celesta etc but those seem geered towards a premium lifestyle and airmiles whereas I am more into saving money/cashback/value back on cards like Pinnacle.

Any guidance or clever tips would be appreciated 🙏🏽

i got upgraded to pinnacle with 1.32L limit but with joining fee.

 

[anonymuos]

i got upgraded to pinnacle with 1.32L limit but with joining fee.

You mean via Grande?

 

[ManojGowda]

You mean via Grande?

No other relationship.
Mentioned that only if you were windering if you have low limit for pinnacle

 

[anonymuos]

Suddenly my IndusInd Bank branch people have lost their minds or turned insanely greedy. They are saying even if you open Grande account, you must pay 15K joining fees for Pinnacle because you already have Legend CC. I pointed out that Pinnacle CC was a core feature of this account and at the most I can do the spend-based waiver of 50K in 3 months. But they are not budging. Their loss. It's already their worst account and without Pinnacle, it's WORTHLESS.

 

[ManojGowda]

Suddenly my IndusInd Bank branch people have lost their minds or turned insanely greedy. They are saying even if you open Grande account, you must pay 15K joining fees for Pinnacle because you already have Legend CC. I pointed out that Pinnacle CC was a core feature of this account and at the most I can do the spend-based waiver of 50K in 3 months. But they are not budging. Their loss. It's already their worst account and without Pinnacle, it's WORTHLESS.

yeah, they have some weird rules and policies.
The offer stands only when customers are NTB and they are happy to provide services.

Honestly, there are difference between legend and pinnacle except for crappy reward rate.
Exclusive account varies from Select account by the difference for forex markup.

 

[anonymuos]

yeah, they have some weird rules and policies.
The offer stands only when customers are NTB and they are happy to provide services.

Honestly, there are difference between legend and pinnacle except for crappy reward rate.
Exclusive account varies from Select account by the difference for forex markup.

Reward rate of Legend via Pay with Rewards is 1.5% and for cash statement redemption is 1% 🤢 (since 1 RP via PWR=₹0.75 and for cash is ₹0.5)

Reward rate of Pinnacle via Pay with Rewards is 2.5% and for cash statement redemption is 1.87% 🤢 (since 1 RP via PWR=₹1 and for cash is ₹0.75). And no weekend-only restriction like Legend. Also milestone bonus RPs reduced for Legend now. 2.5% via PWR is quite good.

I already have 0-bal Exclusive account so want Pinnacle just for higher RR, nothing else

 

[financewizard]

Suddenly my IndusInd Bank branch people have lost their minds or turned insanely greedy. They are saying even if you open Grande account, you must pay 15K joining fees for Pinnacle because you already have Legend CC. I pointed out that Pinnacle CC was a core feature of this account and at the most I can do the spend-based waiver of 50K in 3 months. But they are not budging. Their loss. It's already their worst account and without Pinnacle, it's WORTHLESS.

Then first close the Legend Account, get grande and parallely negotiate for Pinnacle. Their problem is that you are holding account with them. Solve that problem by getting rid of it..

In indusind every branch has its own rule. Check with some other branch.

 

[taskmaster]

Grande account is really good at times. Got lounge access with 1 guest access as well and ₹1000 off on event tickets like comedy shows and other activities

 

[anonymuos]

Then first close the Legend Account, get grande and parallely negotiate for Pinnacle. Their problem is that you are holding account with them. Solve that problem by getting rid of it..

In indusind every branch has its own rule. Check with some other branch.

Yeah but actually they were ready to open Grande as another account in parallel to Exclusive so they have no problem with that. The credit card team is throwing tantrums. Despite having Legend and opening Grande, now not ready to upgrade Legend to Pinnacle.

I can't close Legend as who knows if they will give the same 3L limit plus it's split with other cards - 1.5L for Legend, 90K RuPay, 30K EazyDiner and 30K ePay Amex

I'll check with some other branch definitely. In IndusInd they do have these weird rules per branch and city. But I doubt this is applicable to credit card team also.