Indulging with Indus Exclusively :) :D

[anirban.choudhuryanirban.choudhury is verified member.]

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

 

[Bugs Bunny]

Indulge LTF is difficult nowadays , even RM/BM won’t be able to help
Country head level recommendations will be required for LTF

That is insane . Can't get such high level connect(s)

 

[Bugs Bunny]

Initially till last year pioneer metal was given LTF to everyone with pioneer account upon request
But later this year they stopped issuing LTF , and now with high NRV and pioneer account they are giving it LTF

Missed the bus. Was a student. Missed Infinia,DCB and now this.

 

[krishc]

got a surprise from IndusInd today !

after every cc person denied, today the mastercard select debit was delivered at home without any communication !

voila ! seems you cannot trust their 'yes' to be 'yes' and 'no' to be 'no' ever !

on the other hand, old cc related cust id deletion still not done even after 72 hours while support claimed it will be surely done in 24 hours !

 

[John Since]

IndusInd ka siyapa continues
Tried calling IVR today, now it says my mobile number they can't recognise.
I opened the account fully digitally and everything is linked. God knows what kind of nonsense is this !!
At the same time mobile app is going through a phase, it doesn't even allow login, always says unable to process your request or something like that, getting same message even after uninstalling and reinstalling!
Shit for a server IndusInd have got !!

Last week login button was not working for me too.
Today IVR is not even recognising my mobile number.
I hold an Exclusive account with them. LOL.

 

[Venky]

Need suggestions on which account can I upgrade my account to. I have a normal 25k Indus Maxima account with them with a basic Platinum CC with a 3 lakh limit. I have some money parked in that account.
Need an account with no MAB obviously.
A low six-seven figure opening cheque can be arranged if the account would be worth it but. But do not want the hassle of the MAB or downgrade.
Please suggest how should I proceed with this.

 

[John Since]

Need suggestions on which account can I upgrade my account to. I have a normal 25k Indus Maxima account with them with a basic Platinum CC with a 3 lakh limit. I have some money parked in that account.
Need an account with no MAB obviously.
A low six-seven figure opening cheque can be arranged if the account would be worth it but. But do not want the hassle of the MAB or downgrade.
Please suggest how should I proceed with this.

Can upgrade your card to Legend LTF and then go for Indus Select which is surrogate to Legend CC and 0 MAB.

 

[Venky]

Can upgrade your card to Legend LTF and then go for Indus Select which is surrogate to Legend CC and 0 MAB.

They absolutely denied me an upgrade man.
I tried mailing them, visited the branch and stuff last year but they still denied on the grounds that I was not eligible.
But at that time I was just maintaining the minimum balance in my account and now that condition has changed. Maybe they would budge now.

 

[John Since]

They absolutely denied me an upgrade man.
I tried mailing them, visited the branch and stuff last year but they still denied on the grounds that I was not eligible.
But at that time I was just maintaining the minimum balance in my account and now that condition has changed. Maybe they would budge now.

That's bad then. Try applying for the second card. Or else close the existing one and apply for the new one.
Or watchout for IndusInd account opening offers where they waive off AMB with High IP.

 

[EINSTEIN]

Last week login button was not working for me too.
Today IVR is not even recognising my mobile number.
I hold an Exclusive account with them. LOL.

I hold pioneer account still the same case

 

[John Since]

I hold pioneer account still the same case

IndusInd for you!!
No one of their employees do have proper knowledge.
When the service is not good, offerings doesn't do much even if they are attractive.

 

[Shrinit Padwal]

They absolutely denied me an upgrade man.
I tried mailing them, visited the branch and stuff last year but they still denied on the grounds that I was not eligible.
But at that time I was just maintaining the minimum balance in my account and now that condition has changed. Maybe they would budge now.

Try now maybe, as from 2023 they have been offering Legend LTF to everyone. And go for LTF, don't go for Paid Legend

 

[abhiver]

it is a private bank, but their employees gives you the feeling of Government Banking Services (not considering SBI). There technology is also laid back. If you have a branch nearby, then only it is good account.

 

[starstruck]

I asked for confirmation of maintaining zero balance for Select Account basis Legend Credit Card. PFA the reply:

 

[pprakash11]

I asked for confirmation of maintaining zero balance for Select Account basis Legend Credit Card. PFA the reply:
View attachment 16248

Some customer service associates are dank.

I got success after 3rd email.

 

[starstruck]

Some customer service associates are dank.

I got success after 3rd email.

I got it in first try. They must have fielded too many queries.

 

[ashishsinghi]

I hold pioneer account still the same case

Do you have any indudind credit card

 

[EINSTEIN]

Do you have any indudind credit card

Yes 3

 

[ashishsinghi]

Yes 3

Which ones

 

[federer.reddevil]

I had Indus Privilege account I had given to upgrade it. It was not done so went to bank today they said upgrade was rejected so they raised another request and asked to keep 50k+ in the account. Dont know whether it will be approved this time or not

 

[EINSTEIN]

Which ones

Pioneer Heritage, Pioneer Legacy and Legend