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

 

[ashishsinghi]

Pioneer Heritage, Pioneer Legacy and Legend

Did you pay any fees for any of the card?

 

[mgforce]

Pioneer Heritage, Pioneer Legacy and Legend

Is Pioneer Legacy any good?

I have Legend already, LTF.

With Pioneer account, guess can get Pioneer Legacy too.

Also IndusInd upgrades existing card or can issue separately if we ask?

 

[EINSTEIN]

Did you pay any fees for any of the card?

Total 90k+GST for all three.

Is Pioneer Legacy any good?

No, I got it because it was free and had only icici cards at the time plus Axis was rejecting my applications. I am waiting for my milestone benefit will try to change variant after that.

Also IndusInd upgrades existing card or can issue separately if we ask?

Paid upgrade possible via cc. You will have to try via RM for LTF upgrade or even new card LTF. I don’t know if they allow upgrade without closing existing card. Right now they are not issuing more than one core card easily.

PS: I will try to upgrade legend to a different card ltf. Can you guys suggest which variant to try for?

 

[Wealth is my birth right!]

Total 90k+GST for all three.

No, I got it because it was free and had only icici cards at the time plus Axis was rejecting my applications. I am waiting for my milestone benefit will try to change variant after that.

Paid upgrade possible via cc. You will have to try via RM for LTF upgrade or even new card LTF. I don’t know if they allow upgrade without closing existing card. Right now they are not issuing more than one core card easily.

PS: I will try to upgrade legend to a different card ltf. Can you guys suggest which variant to try for?

Last month I converted my legend to pinnacle
Only good thing is that pinnacle rewards possible for 1:1 Club Vistara

 

[mojo_jojo123]

Is indusind visa signature select debit card giving rewards now in cheq ?

 

[pprakash11]

Is indusind visa signature select debit card giving rewards now in cheq ?

VISA never gave on cheq.

 

[mojo_jojo123]

VISA never gave on cheq.

ok where can we do double dip with VISA ? .. mobikwik i don't trust for their cashback .. paytm hardly giving any cashback

 

[VISHESH_BANSAL]

ok where can we do double dip with VISA ? .. mobikwik i don't trust for their cashback .. paytm hardly giving any cashback

Where we can actually Double dip with VISA is Mobikwik and Paytm.

But you have issues with both.

So last option is "Cred", if you have issues with Cred also then Pay CC bills using NEFT/IMPS/UPI

 

[mgforce]

PS: I will try to upgrade legend to a different card ltf. Can you guys suggest which variant to try for?

Indulge is good one to try for during upgrade

 

[xxScriptzxx]

Well it took a month, but finally i have an exclusive account with 3 debit cards active. Each debit card issuance takes some time, hence it took a month. Used mc debit on cheq, got the points. Used visa on paytm. All points redeemed to cash this month.

Finally, happy that pinnacle proved its worth. Already got 1050 + 1050 + 800 (for visa platinum)

 

[jack333]

What's the reward rate for visa platinum?

 

[ashishsinghi]

Well it took a month, but finally i have an exclusive account with 3 debit cards active. Each debit card issuance takes some time, hence it took a month. Used mc debit on cheq, got the points. Used visa on paytm. All points redeemed to cash this month.

Finally, happy that pinnacle proved its worth. Already got 1050 + 1050 + 800 (for visa platinum)

So you have same card with visa and master variant both? Wont they charge you for having multiple debit cards?

 

[pprakash11]

What's the reward rate for visa platinum?

Upto 5X

 

[pprakash11]

So you have same card with visa and master variant both? Wont they charge you for having multiple debit cards?

Select/Exclusive is free with any kind of Debit Card Charges.

 

[federer.reddevil]

Finally account got upgraded to Select have sent mail to IndusInd for Zero MAB confirmation

 

[federer.reddevil]

How long it will take to receive DC and Cheque Book for Select Account after account converted to Select?

 

[pprakash11]

How long it will take to receive DC and Cheque Book for Select Account after account converted to Select?

within a week

 

[arpitium]

I opened Exclusive account in March before my europe trip. I accepted that I will have to maintain 1L MAB.
Thanks to this thread, I realised that there is a way to convert it to 0 MAB with Pinnacle CC.

When I talked to my RM, he said since April 2023, that offer is no longer valid. Even if you get pinnacle card, you still need to maintain 1L MAB.

Is there any other way to convert my exclusive account to 0MAB?

 

[pprakash11]

I opened Exclusive account in March before my europe trip. I accepted that I will have to maintain 1L MAB.
Thanks to this thread, I realised that there is a way to convert it to 0 MAB with Pinnacle CC.

When I talked to my RM, he said since April 2023, that offer is no longer valid. Even if you get pinnacle card, you still need to maintain 1L MAB.

Is there any other way to convert my exclusive account to 0MAB?

Your RM is useless then

 

[arpitium]

Your RM is useless then

I thought so too, hence tried to talk to customer care. But customer care is even more useless.

Any other way to officially confirm/deny this?