Indus Grandé Savings Account - Discussion

[tryabp]

Official Link: https://www.indusind.com/in/en/personal/accounts/saving-account/indus-grande.html
Brochure & SOB Attached

Key Features:
- Free Locker
- Free Pinnacle Credit Card
- Free Signature Debit Card*
- Free Grande Debit Card
- Paid Pioneer Debit Card

Additional Benefits:
- Family Banking to 8 add-on accounts
- Special Interest rates on loan
- Dedicated RM & SM
- Bookmyshow 1+1 Offer for 1000Rs (Only Card that gives 1000Rs discount on non-movie tickets)


Surrogate Option:
- Average Balance 5 lac
OR
- Life insurance 2 lac
- General Insurance 50k
- Salary 2.5 lac
- Personal Loan 15 lac
- Home Loan 1.5 cr


Please add your inputs, i will update this thread accordingly.
BM convinced me to upgrade to this account instead of Exclusive, so have opened this account yesterday. I will post unboxing and welcome kit photos once i receive it.
Update: Attached Welcome Kit Photos. Nothing fancy. Just normal plastic debit card along with some documentation received.
Update: Customer Care has denied Free Signature Debit Card. I will still try from BM / RM. Hence i am opening Exclusive Accounts for family members and after getting Signature DC i will link them to Grande and then apply for PInnacle CC.

Tip : If you have higher variant account like Pioneer /Grande then you wont get Signature DC for free! For that you have to open/upgrade to signature account first >> Get free Signature DC / Exclusive World DC >> Upgrade a/c to Grande >> Get free Grande DC / Free Pinnacle CC >> Upgrade to Pioneer >> Get free Pioneer DC. And finally you will have all DC for free.

UPDATE:
1. If you are existing CC holder of Indus then you need to have floor limit for Pinnacle as it will be applied in split limit. (3 lac before split)
2. If you have 2 Indus CC then it becomes more complicated as 3rd can be applied in offline mode only on split limit basis and there is no option to get Pinnacle free in offline application.
3. Workaround is to apply for any free card in split limit basis offline through agent / branch and then upgrade it online using Grande Scheme Code to Pinnacle.

 

[vine]

Grande has non-maintenance charges... So downgrade would be the least of your concerns...

And yes, the SoC mentions charges of ₹299+GST for debit card if you don't maintain balance.

You misunderstood
My evil plan is to open grande , take grande world debit card and then downgrade to Exclusive account

 

[tryabp]

Is Grande account downgraded , if we dont maintain the balance ? Is the Grande debit card charged after account downgrade?

Depends on branch, usually no downgrade if account is active with some less balance.