IndusInd Bank Credit Cards getting instantly approved without any Verification on Link mentioned on thread

[Anindya98]

IndusInd Bank Relationship: Aura Edge Add-on Card (Sept 2023) -> Add-on Upgraded to Legend (Mar 2024) -> Opened Indusind Select Account (May 2024) ->Applied Indusind Credit Card via @RS1910 (not blaming him in July 2024) (Which was rejected by the Bank after verification) -> Legend CC (Oct 2024)

⏩14th Oct 2024
I got a call from some IndusInd CC agent that I have a pre-approved CC offer with up to 5L. I did not give importance as I thought she was just saying to complete her quota and asked her to call after some time. She followed up with me and I said I was not interested I thought again the bank would reject it. On 16th Oct I got a WhatsApp message with the same offer as mentioned by her earlier. I thought of giving it a try the link redirected me to a different website (http://easycredit.indusind.com/) where I was asked to give the OTP and got 7-8 options to select from.

Credit Card Options: Aura Edge, Platinum Visa and Rupay Variant, EazyDiner Signature and Platinum both variants, and Legend.
I opted for the IndusInd Legend Visa Variant as it will make my Select Account Zero Balance.
Application accepted instantly without any verification or documentation.

The card was generated on 18th Oct -> Delivered on 21st Oct with a 4.62L Limit which currently overtakes my ICICI Bank Limit (4.2L)
Only kept around 250 in SB and did max 10 transactions all small amounts from the date of account opening.

Now I need to get Indusind Tiger CC on Split base and waiting for the EazyDiner Signature LTF offer. Any idea how to get it?
Will keep the Legend as it complements my Select Account to 0 AQB.

Update Regarding Upgrading from Legend CC to Tiger CC:


My Reply: https://www.technofino.in/community...ion-easycredit-indusind-com.33919/post-881409
Indusind Reply: https://www.technofino.in/community...ion-easycredit-indusind-com.33919/post-885463

@SSV @RS1910 @helloworld @Anupama_Jha @HumorSimpson @BVC @jetesh @vaibhav111 @telescope @Tejo

 

[sun156]

My details were already in their system from my July application, which was rejected. Based on that, I received an offer in October with a 4.62L limit. In your case, they might or might not do verification or ask for office details. Even if you add a new address in Cibil, it doesn't affect your next applications.

• Why do you need an Indusind card for any specific reason?
• Read the underlined part; they already did verification and rejected it in July.View attachment 88711
• If you have an account with them, then servicable pincode will not be an issue; it will be bypassed.
• Even if you update your address and apply, there's no guarantee that rejection or verification won't occur. When you apply with a new address, the chances of verification increase since the address won't be present in your CIBIL record.
• Some banks update the address in your cibil, for example ICICI does.

bro my question is very much different from your answer may be we are mis-communicating bro , MAy be its my mistake in communicating , please apologize me bro

I have Good deposits with Indusind, if I have SELECT or Exclusive account I can use that for some purposes

I am asking that simply does your PROFILE details like EMPLOYMENT TYPE ( salaried or self) , Residential Address , Current Adress , office adress Reported in cibil or not by indusind After card approval with in 2-3 months. ( yes or no thats it bro) ( mention which were ONly reported)

and Secondly I asked.

In the above link which I received through mail and whats app as below screenshot attached, after pressing GET CARD NOW , In the next page whether it is asking any employment details, office address e.t.c ( thats it bro ) ( yes or no )

kindly stating bro all the things mentioned by you are also TRUE but it varies based on different case application menthod , here it is PRE APPROVED so there wont be any verification, just APPROVAL OR REJECTION by PRE-Setted system parameters.

I've 40+ variations of my address in both experian and cibil. and it never be the reason to deny credit card application. Address can change, Payment behavior also can change. NO ONE EVER ASK YOU WHY ADDRESS CHANGE.

They only ask, whats the proof for current address?

yes bro , You are absolutely TRUE Except when you take BUSINESS LOAN every questions will be different and every verification is strict in LARGE PVT banks and PSU banks , They pin pointly ask some accounts and address reflecting in CIBIL . we choose such banks bcz they offer less intrest rate compared to NBFCs
( normal NBFC they wont check much ) ( IF I give my office address in serviceable area which is not actually there, later it will be problem ) (Not a Big problem to stop the PRocess , but I should answer ) ( CUrrent address wont be a that much problem for me but still for benefit of doubt just asking )

 

[helloworld]

bro my question is very much different from your answer may be we are mis-communicating bro , MAy be its my mistake in communicating , please apologize me bro

I have Good deposits with Indusind, if I have SELECT or Exclusive account I can use that for some purposes

I am asking that simply does your PROFILE details like EMPLOYMENT TYPE ( salaried or self) , Residential Address , Current Adress , office adress Reported in cibil or not by indusind After card approval with in 2-3 months. ( yes or no thats it bro) ( mention which were ONly reported)

and Secondly I asked.

In the above link which I received through mail and whats app as below screenshot attached, after pressing GET CARD NOW , In the next page whether it is asking any employment details, office address e.t.c ( thats it bro ) ( yes or no )

kindly stating bro all the things mentioned by you are also TRUE but it varies based on different case application menthod , here it is PRE APPROVED so there wont be any verification, just APPROVAL OR REJECTION by PRE-Setted system parameters.



yes bro , You are absolutely TRUE Except when you take BUSINESS LOAN every questions will be different and every verification is strict in LARGE PVT banks and PSU banks , They pin pointly ask some accounts and address reflecting in CIBIL . we choose such banks bcz they offer less intrest rate compared to NBFCs
( normal NBFC they wont check much ) ( IF I give my office address in serviceable area which is not actually there, later it will be problem ) (Not a Big problem to stop the PRocess , but I should answer ) ( CUrrent address wont be a that much problem for me but still for benefit of doubt just asking )

u should've mentioned this at the beginning, we're at 4th conversation.. I've no idea about business loans but

personal loan, home loan, card on loan, personal over draft etc. personal related never observed issue.

Issue with only over leverage where they may reduce the emi than we promised, or increased interest rates etc.

but 100% never with address variations (unless its completely different than previous addresses and that too multiple times)

again.. no idea about business purpose! So, ignore my earlier comment. T!

 

[MR_RDX]

didnt get you bro please elaborate

Starting phase mein existing application bta rha hai kya or agar ha toh resume application par click krke apply karo bhai

 

[sun156]

Starting phase mein existing application bta rha hai kya or agar ha toh resume application par click krke apply karo bhai

This is not pre approved link bro.
Its normal process link.

And yes if tried to resume if it goes well continue.
Max it dont go because, some agent created an dummy application on ypur pan and name and mobile number.

Still needs clarity dm me

 

[MR_RDX]

This is not pre approved link bro.
Its normal process link.

And yes if tried to resume if it goes well continue.
Max it dont go because, some agent created an dummy application on ypur pan and name and mobile number.

Still needs clarity dm me

Oh...bhai pre approved card ke baare mein bol rhe the tab bhai iska toh nhi maloom hai...mujhe 14jan25 ko indusind legend mila bahut baar reject hua kyuki pincode serviceable area mein nhi tha lekin jitna baar apply kiye cibil mein enquiry nhi gya lekin jab account mein serviceable area ka address change krke agle din apply kiye or 6working days mein approved ho gya without any verification ka...or bhai aisa dekha jaye toh first attempt mein approved hua or ek week baad federal signet card v approved ho gya

 

[sun156]

Oh...bhai pre approved card ke baare mein bol rhe the tab bhai iska toh nhi maloom hai...mujhe 14jan25 ko indusind legend mila bahut baar reject hua kyuki pincode serviceable area mein nhi tha lekin jitna baar apply kiye cibil mein enquiry nhi gya lekin jab account mein serviceable area ka address change krke agle din apply kiye or 6working days mein approved ho gya without any verification ka...or bhai aisa dekha jaye toh first attempt mein approved hua or ek week baad federal signet card v approved ho gya

didnt get you bro language problem

 

[MR_RDX]

didnt get you bro language problem

Oh...brother you were talking about the pre-approved card, then brother I do not know about it...I got the indusind legend on 14Jan25, it was rejected many times because the pincode was not in the serviceable area but no matter how many times I applied, there was no enquiry in CIBIL but when I changed the address of the serviceable area in the account and applied the next day it got approved within 6 working days without any verification...and brother if see it like this then it got approved in the first attempt and after a week the federal signet card also got approved

 

[sun156]

Oh...brother you were talking about the pre-approved card, then brother I do not know about it...I got the indusind legend on 14Jan25, it was rejected many times because the pincode was not in the serviceable area but no matter how many times I applied, there was no enquiry in CIBIL but when I changed the address of the serviceable area in the account and applied the next day it got approved within 6 working days without any verification...and brother if see it like this then it got approved in the first attempt and after a week the federal signet card also got approved

got it bro,
which link you used for applying??

facing so much problems bro no one is helping once check your DM

 

[Anindya98]

got it bro,
which link you used for applying??

facing so much problems bro no one is helping once check your DM

Dm me the details will be happy to help you.

 

[MR_RDX]

got it bro,
which link you used for applying??

facing so much problems bro no one is helping once check your DM

I had applied through my Indusind account, I had applied from where the banner of the card offer is shown.

 

[thekirang]

Today I applied to indusind legend LTF from banksathi app, it's link redirect me to PaisaBazar link, then I fill all details (no salary slip or itr asked) and cibil fetched during application. completed vkyc instantly. But I haven't received any application number over mail or sms. How to get application number to track status ?

 

[sun156]

Today I applied to indusind legend LTF from banksathi app, it's link redirect me to PaisaBazar link, then I fill all details (no salary slip or itr asked) and cibil fetched during application. completed vkyc instantly. But I haven't received any application number over mail or sms. How to get application number to track status ?

call customer care and select cc in IVr by pressing 2
later it asks existing or new user--- select new user by pressing 2 ( even you have any existing relationship bank )

let they lift the call, they only serves the doubts related CC application and they will tell the APP number after they authenticated you with your application details


if wanted to know approved or not even msg dont receive on time

once open whats app with indusind whatsapp banking and check whether card is approved or not by checking CC options
if approved you can get the details of last digits in whats app otherwise No cc will be shown

 

[thekirang]

call customer care and select cc in IVr by pressing 2
later it asks existing or new user--- select new user by pressing 2 ( even you have any existing relationship bank )

let they lift the call, they only serves the doubts related CC application and they will tell the APP number after they authenticated you with your application details


if wanted to know approved or not even msg dont receive on time

once open whats app with indusind whatsapp banking and check whether card is approved or not by checking CC options
if approved you can get the details of last digits in whats app otherwise No cc will be shown

Thank for sharing, I got application number from cc

 

[cardy]

Today I applied to indusind legend LTF from banksathi app, it's link redirect me to PaisaBazar link, then I fill all details (no salary slip or itr asked) and cibil fetched during application. completed vkyc instantly. But I haven't received any application number over mail or sms. How to get application number to track status ?

Legend is already LTF for nearly all.
Why bother and round through third party to third party?
It's not recommended. We should apply directly if there's any special circumstances then it's different matter but otherwise always apply from direct website. You can use referral links though!