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IndusInd Exclusive Debit card Master VS Visa
- Thread starter sharad007
- Start date
In my home I hav max 5 PAN only lol
I used my friends pan's and mobile numbers.
Where to find such friends 🙄
Discord. I don't have any physical friends.
Call them, CS can issue it.
People really give out OTP's & PAN's via Discord? Well, no wonder online fraud is at the level it is lol.
Good for ya though, 1L just via Pencilton is a lot of rewards.
I made really good trustworthy friends via discord. I don't have such friends in real life and i am amazed myself to see such people online and not trying to scam each other. Btw one of them gave me all of his credit card photos(front and back) and email id for OTP's for using his credit cards and all the cards that i use are his cards. I don't know whats wrong with my profile that banks don't accept my credit card application. my cibil is 776 and experian 850. As of now only hdfc bank gave me a pre-approved cc 10 months ago with 1 lakh limit(now increased to 2 lakhs).
That is absolutely insane. Maybe I am one with a LOT of trust issues, but I simply couldn't do that for anyone. You're really lucky to have these privileges. Also, how old are you? I also faced tons of rejections due to age, lack of income proof and the number of times I keep on applying XD. Keep patience, you'll make it happen!
right now i am 25. My itr is above 10 lacks. I don't have any physical friends and you think i am lucky.😔
I'm about to be 22, soon to start first job as well. I wouldn't say I have any real friends either, mostly acquaintances. You are lucky to have good virtual friends and who knows with time you'll make some good friends offline as well, don't give up on that bud!
Good to know that Exclusive A/C holders can get VISA and MC Debit cards. Shall try to place a request through the Netbanking service request.
No, better call customer support for that
Can someone help me understand the forex chargers on the debit card? Are the forex chargers in line with Visa exchange rate?
@Subhankar @TechnoFino
@Subhankar @TechnoFino
Forex markup charges are charges that bank take for forex conversion , they are in the range of 0 to 3.5-4%
Suppose you are doing a international transaction of 100 usd , visa/master/Amex have a conversion rate , master has the best conversion rates , then on top of that 100 usd banks charge forex markup say suppose 3% , that will be extra 3 dollar and then 18% of forex markup goes to gst
So your total spend of 100 dollar now is alone 104 dollars.
That’s why people try to get 0 forex markup cards like niyo global , IndusInd exclusive debit card , burgundy one private credit card , Rbl world safari credit card, these are some of the cards offering 0 forex charges
Suppose you are doing a international transaction of 100 usd , visa/master/Amex have a conversion rate , master has the best conversion rates , then on top of that 100 usd banks charge forex markup say suppose 3% , that will be extra 3 dollar and then 18% of forex markup goes to gst
So your total spend of 100 dollar now is alone 104 dollars.
That’s why people try to get 0 forex markup cards like niyo global , IndusInd exclusive debit card , burgundy one private credit card , Rbl world safari credit card, these are some of the cards offering 0 forex charges
I understand. I already hold NiyoX and Fi but both banks are changing policy so to safeguard I am planning to get IndusInd Exclusive debit card so that I wont be charged when I withdraw cash outside India.
So I want to understand are the forex exchange rates followed by IndusInd is as per Visa or they have their own exchange rate? For example Niyo and Fi will charge exactly what the visa exchange rate is + atm withdrawal fee
Banks can’t charge their own exchange rates , it has to be as per their payment partner like visa , Amex , master card or Rupay
Ok got it. So using this is similar to Niyo Global or Fi
Just get the mastercard variant and you will be good.
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