So what is the current update?? Indulge or Pioneer Heritage Metal??
Bank is trying to convince me for Indulge saying fees is less for Indulge and Heritage Metal is high joining and annual fees.
But the catch here is if I don't find satisfaction with both the cards I will close after 1 year because joining fees will be recovered with vouchers but annual fees cannot be recovered, if we take Indulge they can downgrade the card but there is no option of downgrading if we opt for Heritage. They are saying that if we chose Heritage only option is to continue or close the card and wait for another year for applying new card.
But in Indulge there is an option of downgrade or fees pay with points option. One more thing he is mentioning is rewards points for Insurance, Utilities and Govt transactions are not available for Heritage but Indulge provides it. Confused, so can you better suggest me.