Indulging with Indus Exclusively :)

[anirban.choudhury]

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

 

[Rahul Gupta]

Got it last year 50K+Taxes.

Annual fee? And did you receive any vouchers?

 

[bvc19296]

Annual Fee 10K will be waived off with 10L spends per annum.

 

[Rahul Gupta]

Annual Fee 10K will be waived off with 10L spends per annum.

This card isn't worth spending 10 lac in a year. Why did you take it with annual fees?

 

[bvc19296]

This card isn't worth spending 10 lac in a year. Why did you take it with annual fees?

Good lifestyle benefits.

 

[Transpointer]

Good lifestyle benefits.

What was the credit limit of the card you upgraded from?

 

[anirban.choudhury]

Annual Fee 10K will be waived off with 10L spends per annum.

Annual 10k is not worth for this card.
It's pretty basic

 

[bvc19296]

Annual 10k is not worth for this card.
It's pretty basic

You got it as LTF??

 

[anirban.choudhury]

You got it as LTF??

Yes +3 words

 

[bvc19296]

Yes +3 words

How can we negotiate for LTF?

 

[Rahul Gupta]

How can we negotiate for LTF?

You could have got it LTF for 1 Lakh + gst joining fees with 1lakh vouchers. You can ask @RS1910 If he can help you in conversion.

 

[bvc19296]

You could have got it LTF for 1 Lakh + gst joining fees with 1lakh vouchers. You can ask @RS1910 If he can help you in conversion.

I was offered for LTF last year for 90K+GST but had vouchers with 6 months validity only. I was not interested by then because I couldn’t use vouchers within 6 months. So wanted to check whether there is any option now?

 

[Rahul Gupta]

I was offered for LTF last year for 90K+GST but had vouchers with 6 months validity only. I was not interested by then because I couldn’t use vouchers within 6 months. So wanted to check whether there is any option now?

Come in DM.