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

 

[TheMentalist]

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

bechaare ki Diwali padai me hi nikal jayegi 🤣

 

[iAmPm]

bechaare ki Diwali padai me hi nikal jayegi 🤣

Diwali vacation homework!

 

[sm9811911]

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

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.

 

[Rahul Gupta]

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.

Visa on paytm is no longer giving points.

 

[hks789]

Visa on paytm is no longer giving points.

Did you try this month?

 

[Rahul Gupta]

Did you try this month?

Yes tried on 2nd nov.

 

[sm9811911]

Yes tried on 2nd nov.

You will get. Wait

 

[Anonymous ツ]

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.

Is this same for Select account?

 

[4uziaul]

Is this same for Select account?

Y e s

 

[simplewarrior]

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.

How 4 DC, One Visa, One MC, Other 2 ?

 

[4uziaul]

How 4 DC, One Visa, One MC, Other 2 ?

MasterCard Titanium and Visa Platinum.

 

[mr_vasanth]

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.

>> Get pinaccle credit card ltf when you can get to make this account 0 mab

This point is not clear. First we need to make the account 0 mab to get pinnacle ltf or we need to get the pinnacle credit card to convert the account to ltf ?

 

[Rahul Gupta]

>> Get pinaccle credit card ltf when you can get to make this account 0 mab

This point is not clear. First we need to make the account 0 mab to get pinnacle ltf or we need to get the pinnacle credit card to convert the account to ltf ?

You need pinnacle cc to get NMC waiver in exclusive account.

 

[Enthusiast]

You need pinnacle cc to get NMC waiver in exclusive account.

Do we get Pinnacle LTF for Zero MAB Exclusive account holder??

 

[4uziaul]

Do we get Pinnacle LTF for Zero MAB Exclusive account holder??

No, with Grande account, you get it LTF.

 

[Rahul Gupta]

Do we get Pinnacle LTF for Zero MAB Exclusive account holder??

First there is no zero balance select/exclusive account in indusind they actually wave Non maintanance charges, if you have respective cc under same customer id lvl.

You won't get pre-approved LTF pinnacle with exclusive account. They don't offer it with pinnacle because they know it will give customers NMC waiver.

 

[Enthusiast]

First there is no zero balance select/exclusive account in indusind they actually wave Non maintanance charges, if you have respective cc under same customer id lvl.

You won't get pre-approved LTF pinnacle with exclusive account. They don't offer it with pinnacle because they know it will give customers NMC waiver.

Zero MAB means salary account

 

[Rahul Gupta]

Zero MAB means salary account

ok sir .

 

[krish a]

No, with Grande account, you get it LTF.

I have a grande account. If I get a pinnacle card LTF and then downgrade my account to exclusive, will it be a 0 MAB account?

 

[4uziaul]

I have a grande account. If I get a pinnacle card LTF and then downgrade my account to exclusive, will it be a 0 MAB account?

Y e s