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anirban.choudhury

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Good Day Everyone,

This post is about my journey with IndusInd , this will be a little different post than the ICICI one as I will not be discussing about the fees plan associated with my card instead this post will mostly be related to my journey with IndusInd. So back in Oct 2022 , I applied for IndusInd Legend card through their online channel and was approved with a limit of 9 lakhs , however when I received my card the limit given was 5 lakhs , within 20 days of using my card I received a message that my card limit has been enhanced to 9 lakhs . Fast forward March 2023, I took an upgrade from Legend to Indulge credit card. Post that I came to know as per the SOB of exclusive savings account , one can maintain an exclusive account with 0 fund if an Indulge/Pinnacle credit card can be linked to account as surrogate . Till this time I had no banking relation with IndusInd , so I had to 2 options either open a basic 0 MAB account with IndusInd online and then get that upgraded to Exclusive account from branch or to directly open a Exclusive account online
I am not a fan of HNI banking and also as per principle I never open a account with huge IP just for credit card . So point 1 seems more feasible to me , I went ahead and opened a 0 MAB account online and got a virtual DC and a physical Titanium DC charged 249 Rs. Post completing my VKYC , I visited IndusInd branch and submitted the upgrade form to upgrade my account to Exclusive , the upgrade was processed in 7 days as 3 days were taken for approval as my account didn’t had the minimal balance required for Exclusive account . Post the upgrade I received my welcome kit which had a visa signature DC , also just when my account got upgraded I raised a request through phone banking to give a MC Exclusive DC as well , so I received both my Visa and MC DC .
P.S - I also tried to get Pioneer World Heritage Credit Card but that request was denied as I don’t have any Pioneer relation with Indus Ind
IndusInd gives 5 add-on cards so I took all 5 for my family members, Indulge add-on also gets unlimited lounge access through PP
Below is a picture of my current portfolio with IndusInd

Cheers
 

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I have Exclusive with Pinnacle and want to upgrade to Pioneer, What should I do to upgrade to Pioneer, I am ready to maintain NRV of 30 LAC instead of 10 Lac as balance maintain. Should I get insurance policy with my current account to maintain NRV or apply for pioneer and then buy insurance policy to maintain NRV?
 
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mojo_jojo123 said:
Does Indusind provide 2nd debit card to add-on account holder as well ? recently I asked 2nd debit card for my add-on family member account , they told its not possible for add one .. I had mastercard and asked for visa in select savings account..
Click to expand...
Bro, recently I opened Add on account and received Mastercard with kit and applied for a second Visa Signature Debit card via the app. They have taken the request and is under process.
So, definitely one can apply. Just try again
 
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Predator said:
Bro, recently I opened Add on account and received Mastercard with kit and applied for a second Visa Signature Debit card via the app. They have taken the request and is under process.
So, definitely one can apply. Just try again
Click to expand...
How to apply for another debit card using IndusMobile app? where I can get this feature to request for a debit card?
 
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Predator said:
Bro, recently I opened Add on account and received Mastercard with kit and applied for a second Visa Signature Debit card via the app. They have taken the request and is under process.
So, definitely one can apply. Just try again
Click to expand...
If you apply via app / customer care, card gets generated within 2 hours, you can check in your mobile app, it will show a new card.
 
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pprakash11 said:
Top left- Three Horizontal Lines- Apply Now- Debit Card.

Only VISA cards can be applied via mobile app.
For MC, call custcare.
Click to expand...
I don't know what kind of Customer care I am dealing with.. I called them 2 times to get new Mastervcard debit for my exclusive account and they say that They can only give mastercard after closing my visa debit card.. HOw you guys are getting 3-4 debit card for one account
 
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hemant ojha said:
I don't know what kind of Customer care I am dealing with.. I called them 2 times to get new Mastervcard debit for my exclusive account and they say that They can only give mastercard after closing my visa debit card.. HOw you guys are getting 3-4 debit card for one account
Click to expand...
It's just getting the right man/woman in the call.
I was too rejected twice, on third attempt he took my request.
Also tell why you are not taking my request, say like my father or any other member already hold visa signature, mc world both at the same time
You take request, i will see if it's get processed or it's declined.
At least you take request
 
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can anyone tell me how to increase NRV with Indusind Bank? I want to upgrade my account to Pioneer but for that I need to maintain 30 Lac NRV, I don't want to create FD of 30 Lac as I don't have it, what is the other way? How much NRV for life insurance policies? Is it premium paid or sum insured?
 
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hemant ojha said:
can anyone tell me how to increase NRV with Indusind Bank? I want to upgrade my account to Pioneer but for that I need to maintain 30 Lac NRV, I don't want to create FD of 30 Lac as I don't have it, what is the other way? How much NRV for life insurance policies? Is it premium paid or sum insured?
Click to expand...
Upgrading to Pioneer might be a bit difficult in terms of NRV as compared to opening a new Pioneer account after some negotiations. Maybe @anirban.choudhury or @pprakash11 can add on this.
 
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Shrinit Padwal said:
Upgrading to Pioneer might be a bit difficult in terms of NRV as compared to opening a new Pioneer account after some negotiations. Maybe @anirban.choudhury or @pprakash11 can add on this.
Click to expand...
I also don't have Pioneer. But I agree, in any bank upgrades are difficult and challenging.
Rather than opening a new account separately, thereby you have negotiation for lowering IP or even NRV (in some cases).

Try opening afresh.
 
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either there is data leakage in IndusInd system or their employees are selling data.
ever since I opened the account there, receiving scam messages like as follows
"Rs 43,200/- is credited to your A/c No.XXXXX643 Surprised? Download Stashfin App withdraw your money directly in your bank account rtxt.in/KoLmh RUPBZA"
"Rs 10,230/- is credited to your A/C No.XXXXX643 Surprised? Download Zupee App withdraw your money directly in your bank account rtxt.in/Kb34o RUPBZA"

( p.s. the last 3 digits also exactly match with my IndusInd account number)
 
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