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

 

[shutapdiya]

Thanks , does not offline branch know about this that we can link either Indulge or Pinnacle CC to Exclusive saving account to make it 0 MAB ?

99% they wont know, if 1% knows, they won't tell you

 

[shutapdiya]

and is there any sequence we need follow to get credit card and then open saving account or vice versa ?

No sequence required

 

[itsds]

99% they wont know, if 1% knows, they won't tell you

Yeah seems true , today I went for Saving account upgradation to the branch and they said MAB should be 1L for exclusive and then i returned back and exploring here for 0 MAB 😀 😀

 

[itsds]

No sequence required

can we have both variant select debit card on Visa and Mastercard network ?

 

[shutapdiya]

can we have both variant select debit card on Visa and Mastercard network ?

Yes Sir .

 

[4uziaul]

Thanks , does not offline branch know about this that we can link either Indulge or Pinnacle CC to Exclusive saving account to make it 0 MAB ?

Just don't ask them anything. 🤭

 

[D7162]

can we have both variant select debit card on Visa and Mastercard network ?

And also read page 1 to 25 of this thread pls 😆

 

[itsds]

And also read page 1 to 25 of this thread pls 😆

sure 😀 got some weekend task to do

 

[itsds]

Just don't ask them anything. 🤭

hahaha , today I went for Saving account upgradation to the branch and they said MAB should be 1L for exclusive and then i returned back and exploring here for 0 MAB.

 

[itsds]

Yes Sir .

thank you .

 

[SonyTom]

Hi guys
Went through the entire 25 pages of this thread. I have one doubt left, rest all are cleared !!!
If I make my Select account zero balance by linking with Legend credit card, will there be any annual fees on the Visa signature select or Mastercard world select debit cards I get with my Select savings account. I ask this because in the SOB, its mentioned- ‘Free subject to required balance maintenance, otherwise its ₹499’. I understand experts are here who have done this (or similar hacks with Exclusive - Pinnacle linking). Expecting a reply from them 🙂

 

[4uziaul]

Hi guys
Went through the entire 25 pages of this thread. I have one doubt left, rest all are cleared !!!
If I make my Select account zero balance by linking with Legend credit card, will there be any annual fees on the Visa signature select or Mastercard world select debit cards I get with my Select savings account. I ask this because in the SOB, its mentioned- ‘Free subject to required balance maintenance, otherwise its ₹499’. I understand experts are here who have done this (or similar hacks with Exclusive - Pinnacle linking). Expecting a reply from them 🙂

After linking it's Zero.

 

[hks789]

Hi guys
Went through the entire 25 pages of this thread. I have one doubt left, rest all are cleared !!!
If I make my Select account zero balance by linking with Legend credit card, will there be any annual fees on the Visa signature select or Mastercard world select debit cards I get with my Select savings account. I ask this because in the SOB, its mentioned- ‘Free subject to required balance maintenance, otherwise its ₹499’. I understand experts are here who have done this (or similar hacks with Exclusive - Pinnacle linking). Expecting a reply from them 🙂

So far so good.
No charges deducted yet 😅

 

[AritraSaha]

After linking it's Zero.

 

[RajMahadik]

After linking it's Zero.

Please sir help need... if i link my pinnacle to saving delight acc ( zero bal ) , after that can i upgrade account from indus mobile app in account upgrade section??

 

[4uziaul]

Please sir help need... if i link my pinnacle to saving delight acc ( zero bal ) , after that can i upgrade account from indus mobile app in account upgrade section??

Branch only .

 

[smuff]

Added MC world exclusive debit card in samsung pay app, it is detecting as pioneer world debit card. Do they share same bin for exclusive and pioneer debit card?

 

[Deleted member 11974]

ignore that its a glitch
even my icici wealth select debit card was detected under private banking dc

 

[senpai997]

I have opened exclusive savings account with indus . Any advice for me how to proceed to maximise the benefits ? Iam new to all of this @anirban.choudhury

 

[4uziaul]

I have opened exclusive savings account with indus . Any advice for me how to proceed to maximise the benefits ? Iam new to all of this @anirban.choudhury

Read all the pages and check out similar threads, and you will learn how to maximize your benefits. 😁