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

 

[anirban.choudhuryanirban.choudhury is verified member.]

My Pinnacle Credit card got approved today with a limit of 3 lakhs itseems (applied on 6th July 2024). So once the card is delivered, can I open Indus Exclusive savings account which gives 0 MAB with LTF debit card right. Pls help me on this. Also pls he'll with steps to open IndusInd Exclusive savings account.

Yes
You can open account online or offline
Online would require 2.lakhs IP, offline it's negotiable
Once account is opened withdraw the amount.

Check if your pinnacle cc is linked to the account or not.
If it's not linked open the indusmobile app click on the hamburger menu icon and click on link relationship -> link credit card and validate the card details.

 

[luckymurari]

I got my indus exclusive account today and linked my pinnacle card too. How do I know that my account is now zero MAB? Does it show somewhere that it's zero MAB account?

 

[MS R]

I got my indus exclusive account today and linked my pinnacle card too. How do I know that my account is now zero MAB? Does it show somewhere that it's zero MAB account?

when u link card ,,, ur naturally account becomes 0 AMB

 

[luckymurari]

when u link card ,,, ur naturally account becomes 0 AMB

But how do I confirm that it is 0MAB? or there is no check required?

 

[MS R]

But how do I confirm that it is 0MAB? or there is no check required?

when u link pinnacle card to exclusive account it becomes 0 AMB

 

[luckymurari]

when u link pinnacle card to exclusive account it becomes 0 AMB

View attachment 61474

Yeah saw this in the welcome kit. Thank you. Was looking more for a way to validate that it is 0MAB going forward

 

[MS R]

Yeah saw this in the welcome kit. Thank you. Was looking more for a way to validate that it is 0MAB going forward

email or call cust care

 

[credible65]

I got an add-on card for Indulge. How to request for Priority Pass?

 

[BVCBVC is verified member.]

I got an add-on card for Indulge. How to request for Priority Pass?

You will automatically get it soon. Within 3-4 days after card delivery. Don't request, because on request they will send another PP.

For my mother Add on I have 2 active PP's now, due to my request.

 

[credible65]

You will automatically get it soon. Within 3-4 days after card delivery. Don't request, because on request they will send another PP.

For my mother Add on I have 2 active PP's now, due to my request.

Ok, I will wait for some days. Thanks.

 

[telescope]

To start you off: Order all debit cards available free on this account. Total 4. Check mobile app
Get pinaccle credit card ltf when you can get to make this account 0 mab.
Use visa dc in paytm to pay cc bill.. Use mastercard dc variant in cheq.. Use 1.12L every month on visa signature (or mc world dc) for max % rewards.

What's the benefit of getting all dc?
Also for maximum benefit, is the point capping per dc or per account?

 

[telescope]

You will automatically get it soon. Within 3-4 days after card delivery. Don't request, because on request they will send another PP.

For my mother Add on I have 2 active PP's now, due to my request.

This is something new to me. I knew pp has to be requested. Is this automatic pp issuance limited to indulge cc only? Or is it applicable for pinnacle as well?

Also automatic pp issuance is limited to add-ons only or for primary holders as well?

 

[sm9811911]

What's the benefit of getting all dc?
Also for maximum benefit, is the point capping per dc or per account?

You get around 3k for the 3 dc. Read details here

Thread 'Latest working methods to pay credit card bill from debit cards'
https://www.technofino.in/community...-pay-credit-card-bill-from-debit-cards.25788/

 

[BVCBVC is verified member.]

This is something new to me. I knew pp has to be requested. Is this automatic pp issuance limited to indulge cc only? Or is it applicable for pinnacle as well?

Also automatic pp issuance is limited to add-ons only or for primary holders as well?

Not sure about other IndusInd cards, because I hold only Indulge.

- For 1 primary card and 5 Add on cards I have received PP without request. One add on card I didn't receive automatically for 4-5 days and I requested later I received 2 PP's for that user. I asked the Indulge care which PP is valid, but for the past 1 month they are not answering that question (Same answer every time, we need some more time and we will get back to you.)

 

[credible65]

You will automatically get it soon. Within 3-4 days after card delivery. Don't request, because on request they will send another PP.

For my mother Add on I have 2 active PP's now, due to my request.

Ok, I will wait for some days. Thanks.

I haven't received PP for the add-on card yet. Shall I request it?

 

[runzone]

Anyone managed to get more than one Signature Select or Platinum Select card in the same account? I mean 2 or more Signature Select / Platinum Select Debit card?

 

[telescope]

I haven't received PP for the add-on card yet. Shall I request it?

yes given on request only.

 

[BVCBVC is verified member.]

I haven't received PP for the add-on card yet. Shall I request it?

How many days it’s been?

 

[credible65]

How many days it’s been?

Add-on card was delivered on August 20.

 

[BVCBVC is verified member.]

Add-on card was delivered on August 20.

Drop a mail to Indulge care and customer care and check the dispatch status else, request them.