INDIE , the IndusInd's SUPER APP - for existing SB A/C holders

[SSV]

Guys and Gals,

Today I opened an INDIE account ... App version: 1.1.36

Background: Currently I have the following relationships with IndusInd.
1) Exclusive Bank Account
2) Legend CC
3) Pinnacle CC
4) Fixed Deposit

Process:

After giving, mobile no, OTP, PAN, Aadhar and OTP again.. the account was created instantly in a jiffy ... Extremely smooth ..
No profile detials are required, No VKYC required.. it is showing KYC status as Verified...
Funded 50K via UPI... got Megastar immediately and Virtual DC generated immediately and ordered Physical Visa Signature card for free..

Observations:

1) My Indie account number is : 18 XXXXX XXXXX = my mobile number with 18 prefix. IFSC Code : INDB0000004
2) My Exclusive bank Account no: 15 XXXXX XXXXX = my mobile number qith 15 prefix . IFSC + my local branch
3) All my existing credit cards ( Legend, Pinnacle) are shown in Indie, surprisingly, it is showing an extra Pinnacle MC World Contactless CC as another CC
4) All my Fixed Deposits are shown in Indie..
5) Showing INDIE virtual DC
6) MISSING: My Exclusive account Visa, MC and Platinum DCs are not shown in Indie yet.. Probably they slowly migrate them into Indie at a later stage...
7) A Link to open the legacy IndusInd mobile APp

With this, my suspicion is turning into reality...

I think moving forward INDIE will be the face of IndusInd's technology..
the current IndusInd mobile will be slowly phased out ...

More importantly, the current Select, Exclusive account holders.. no need to worry about your accounts...
They will be kept as it is.. They wont be replaced with INDIE account.. They will be there...


The objective:
So , in effect I will have the following, in an ideal case scenario:

1) 0 AMB Exclusive Account
2) 0 AMB Indie Megastar Account
3) 2L Indie FD
4) Legend CC LTF
5) Pinnacle CC LTF
6) 3 Exclusive DCs - Visa, Master and Platinum - LTF
7) Indie Visa Signature DC - LTF

That's the plan.. Lets see how it pans out...

FAQ - INDIE account & Tiers such as MegaStar

FAQ INDIE YOUniverse | INDIE by IndusInd Bank

Experience the limitless possibilities of digital banking with INDIE by IndusInd Bank . Explore more in FAQ INDIE YOUniverse.

indie.indusind.com

FAQ - INDIE Debit Card

FAQ Debit Card | INDIE by IndusInd Bank

Enjoy the convenience of a virtual debit card, apply for a numberless debit card online, and explore the possibilities of seamless digital banking.

indie.indusind.com

A few screen shots...of INDIE App after account opening

 

[SSV]

Yeah.. most of our friends accounts here has been downgraded to star tier.. my account will also get downgraded to star tier if I don't maintain the req balance.. I already keep my money in my IndusInd select account.. more than 3L is parked there but still getting emails to add funds and maintain bal in INDIE..

Good to know..
It seems they separated indie from the legacy..
Okay from now onwards I treat Indie as main one..

My exclusive account is 0 AMB anyway liked to Pinnacle.. I have only 10k balance in exclusive..
Apart from that I have 1L FD in the main account , that I will let it mature and withdraw..
Meanwhile I will create 2L FD in Indie and move all liquid funds to other bank accounts ..
So , in effect I will have

1) 0 AMB Exclusive Account
2) 0 AMB Indie Megastar Account
3) 2L Indie FD
4) Legend CC LTF
5) Pinnacle CC LTF
6) 3 Exclusive DCs - Visa, Master and Platinum - LTF
7) Indie Visa Signature DC - LTF


All good...

I think this is an optimised IndusInd portfolio ..
I recommend everyone to have look at the above and try to replicate...

Enjoy

 

[SSV]

The big problem with Indie is it's app only account and there is no netbanking for indie account.

This is a entrée from IndusInd...
The main course will be served later..
All the above from technology perspective

 

[SSV]

I can make it 0 MAB

There are no NMC for any type of INDIE.

But I won’t be charged any non maintenance fee

Yes

and also I won’t lose the benefits too?

You lose Tier level benefits , not DC level .

 

[doraemon]

4 bhindi accounts khole the 1000-1000 chaapne ke liye
Ab 200-200 m nipta rahe.

Abhi kuch din m non mab bhi aane wala hai

 

[doraemon]

There are no NMC for any type of INDIE.


Yes


You lose Tier level benefits , not DC level .

It's true that there is no nmc
But sooner they will be implementing that
@its_karan
Jara wo photo Dena nmc wali

 

[SSV]

It's true that there is no nmc
But sooner they will be implementing that
@its_karan
Jara wo photo Dena nmc wali

Okay .. good to know .. what's in store...

 

[its_karan]

It's true that there is no nmc
But sooner they will be implementing that
@its_karan
Jara wo photo Dena nmc wali

. . .

Indie Mega Star Offer 10% Cashback Upto 500 🤑

just pay 10 unique bill payment of min 500 and get 50 gems per bill payment so total 500 gems for free if you have multiple cards then just pay 10 cc bills of min 500 and get 500 so, 500 for paying 5000 on cc bills thats 10% cashback This is only for Indie megastar, you can see the offer at...

www.technofino.in

 

[SSV]

It's true that there is no nmc
But sooner they will be implementing that
@its_karan
Jara wo photo Dena nmc wali

In my case, 2L FD will cover the base anyway...
but for people who really want true 0 AMB, it will be an issue

 

[Anil_Singh]

Good to know..
It seems they separated indie from the legacy..
Okay from now onwards I treat Indie as main one..

My exclusive account is 0 AMB anyway liked to Pinnacle.. I have only 10k balance in exclusive..
Apart from that I have 1L FD in the main account , that I will let it mature and withdraw..
Meanwhile I will create 2L FD in Indie and move all liquid funds to other bank accounts ..
So , in effect I will have

1) 0 AMB Exclusive Account
2) 0 AMB Indie Megastar Account
3) 2L Indie FD
4) Legend CC LTF
5) Pinnacle CC LTF
6) 3 Exclusive DCs - Visa, Master and Platinum - LTF
7) Indie Viaa Signature DC - LTF


All good...

I think this is an optimised IndusInd portfolio ..
I recommend everyone to have look at the above and try to replicate...

Enjoy

I also planned this way but with select account. Debit freeze issue made me move funds from INDIE to Select.

 

[SSV]

. . .

Indie Mega Star Offer 10% Cashback Upto 500 🤑

just pay 10 unique bill payment of min 500 and get 50 gems per bill payment so total 500 gems for free if you have multiple cards then just pay 10 cc bills of min 500 and get 500 so, 500 for paying 5000 on cc bills thats 10% cashback This is only for Indie megastar, you can see the offer at...

www.technofino.in

It seems this is for people on-boarded from offline ( ie branch) .. not for online - on boarded

 

[doraemon]

In my case, 2L FD will cover the base anyway...
but for people who really want true 0 AMB, it will be an issue

Yeah that's the issue
I don't like keeping money in savings account due to fraud fear and most importantly less intrest

And support of indie in case of any issue is like winning of Congress in 2024 general elections

 

[SSV]

I also planned this way but with select account. Debit freeze issue made me move funds from INDIE to Select.

Did you open Indie first or Select first ?

 

[doraemon]

I also planned this way but with select account. Debit freeze issue made me move funds from INDIE to Select.

Jo bhi ho sabki bhindi sad gayi
Par Anil bhai ki bhindi Aaj bhi Hari bhari hai😄

 

[Anil_Singh]

Jo bhi ho sabki bhindi sad gayi
Par Anil bhai ki bhindi Aaj bhi Hari bhari hai😄

Ek aur mahina aur phir meri bhi bhindi sad jayegi..

 

[Anil_Singh]

Did you open Indie first or Select first ?

Select . .

 

[its_karan]

In my case, 2L FD will cover the base anyway...
but for people who really want true 0 AMB, it will be an issue

Just a Tip.

• Remove all permissions after the Account gets opened, It's not necessary for using the Account.Even if they ask you again and you deny it will Work
• They do crazy level Data Harvesting.

Your Photos and SMS/Location should be your right not their product

 

[doraemon]

Ek aur mahina aur phir meri bhi bhindi sad jayegi..

Mujhe to ab doubt hone laga hai bhai
Kahi ye log aapka account megasitar PE karke bhul to nahi gaye downgrade mechanism ka button on karne ka

 

[Anil_Singh]

Select . .

Also there is a huge issue with my select account. Branch is unable to update my signature. So, can't have cheq book.

 

[SSV]

Just a Tip.

• Remove all permissions after the Account gets opened, It's not necessary for using the Account.Even if they ask you again and you deny it will Work
• They do crazy level Data Harvesting.

Your Photos and SMS/Location should be your right not their product

I will ... I generally wont give any permissions ..
Will take your feedback into consideration . thanks

 

[SSV]

Select . .

Also there is a huge issue with my select account. Branch is unable to update my signature. So, can't have cheq book.

I think you have some massive badluck with your select from the beginning..

How did you open your Select?
from branch / online?