Well horrible is a bit too much 😂. I think a lot of complains are due to its slowness. Which honestly is not that big of a deal. But there should be feature parity with IndisMobile, however a lot of features are missing. For eg. there is no positive pay section in Indie, and these are critical features.
Too slow, too sluggish. Gems not credited as advertised (for Indie account at least), not for autopay, referrals, DC spends, escalating is useless. Tons of IndusMobile features missing. And if you've been on Indie since the start (July 2023), it used to break on its own/go down and lock us out as there was no netbanking. Some Indie gems were forfeited/stolen back SBI card-style from many accounts randomly without any orders returned/canceled. Terms & Conditions changing every month SILENTLY without any kind of notification (as the RBI rule to inform customer 30 days in advance about rewards applies only to credit cards, not bank accounts). Can't even see transactions older than 3 months in the app, for that you have to request statement PDF and the PDF statement/order of entries
is all messed up or some entries missing
😡. So even the statement it can't generate properly. Use the app thoroughly and you'll realize it's alpha-quality crap. But upper management of SundasBank clearly has no idea how bad the app is.
Oh one more thing I think Indie as a whole product, not just the app is trash. For maintaining 50K in savings account, now they are giving what? ₹150 for paying 3 credit card bills? I paid another electricity bill since it's a different category and didn't credit 50 gems for it. Escalated with screenshot & all T&C, still didn't credit, no reply either. But they spam via email like crazy. I've never seen any bank spam with more
kachra emails than Indie advertising the same features over and over again. Daily 1 or 2 emails are from Indie in my inbox about features or offers already utilized/using or enabled. So they don't even have the technology yet to send user-specific emails about offers or product features. e.g. I used the AutoPay 200 gems offer way back in August 2023 itself, then by default they cheated and didn't credit the gems. After RBI dhamki they gave by Sep-Oct. But still spamming daily or 3 times a week to enable AutoPay to earn 200 gems ONE-TIME. So this is what I am talking about - it's a very junk product, spamming about features but not crediting gems. Normal savings accounts like Select with different benefits on DC were sent a message that their account will be migrated to Indie, now entire IndusMobile is being dumped for Indie app.
They're declared it ready so we'll just watch the fireworks once IndusMobile is actually retired and people face real-world issues with Undie
🩲. Mujhe kya main to kisi tarah adjust kar lunga, I've Exclusive account and Privilege Max account also with Delights DC. But real customers facing Indie app issues and losing their cool over this app means bank losing real customers.
The only worse product than Indie currently is HDFC Pixel Play/Go cards and PayZapp.