Indusind indulge credit card

[Odugu Narasimha Rao]

I am going to take indulge credit card against fixed deposit tomorrow is it better to take this card with 5 lakhs limit because in future i will take another bank credit cards via C2C is possible with this fd card, I am hoping in future I will get same limit on another bank credit card via C2C with this fd card?

 

[pprakash11]

Bro I have 560000 amount
And I have a indusind exclusive account,
I have no card with higher limit card
So, i decided to open fd card i seen indusind bank not reported as secured card in cibil and indusind bank fd better fd rates.
And finally my plan in future I will use this card as C2C to take another bank credit cards. So I am going to take this indulge credit card. Is this better idea?

Good to go brother!!

Just do the pushing thing a little more.

 

[Odugu Narasimha Rao]

Persistence is the key!! Do push some more.

Say you will bring business more, if get LTF. (only one time JF)

Okay bro thank you I will push

 

[AritraSaha]

Bro I have 560000 amount
And I have a indusind exclusive account,
I have no card with higher limit card
So, i decided to open fd card i seen indusind bank not reported as secured card in cibil and indusind bank fd better fd rates.
And finally my plan in future I will use this card as C2C to take another bank credit cards. So I am going to take this indulge credit card. Is this better idea?

I understand your point,

But i will say the fees don't justify.

Try to get it ltf or other options are there.

 

[Odugu Narasimha Rao]

I understand your point,

But i will say the fees don't justify.

Try to get it ltf or other options are there.

Tell me another options bro I will choose

 

[sxchzy]

no bank will accept this card for a c2c basis application

Bro I have 560000 amount
And I have a indusind exclusive account,
I have no card with higher limit card
So, i decided to open fd card i seen indusind bank not reported as secured card in cibil and indusind bank fd better fd rates.
And finally my plan in future I will use this card as C2C to take another bank credit cards. So I am going to take this indulge credit card. Is this better idea?

 

[sxchzy]

Tell me another options bro I will choose

take any free card offered by any bank
if cc is your priority
or invest it somewhere else
mutual fund stock market fd

 

[CARDBITRAGE]

Are you sure it's worth paying 50k for that card? What benefit will you derive from it? Just get something from HDFC or Axis.

 

[Odugu Narasimha Rao]

no bank will accept this card for a c2c basis application

Are u sure bro

 

[Odugu Narasimha Rao]

Are you sure it's worth paying 50k for that card? What benefit will you derive from it? Just get something from HDFC or Axis.

Will I get HDFC dcb card on FD?

 

[CARDBITRAGE]

Will I get HDFC dcb card on FD?

You can get Infinia on FD.

 

[Odugu Narasimha Rao]

You can get Infinia on FD.

How much fd required for infinia card.

 

[CARDBITRAGE]

How much fd required for infinia card.

Approx 110% of the limit. So around 11L of FD.

 

[Odugu Narasimha Rao]

Approx 110% of the limit. So around 11L of FD.

11L fd? i have only 6 lakhs amount.

 

[pprakash11]

no bank will accept this card for a c2c basis application

Why bro why ?

 

[CARDBITRAGE]

11L fd? i have only 6 lakhs amount.

Then you can go for DCB/Regalia Gold. Go for DCB is you can hit 5L spend milestone for annual fee waiver.

 

[tryabp]

Why dont you consider Indus Vistara Explorer Card?
You can get for 10k joining and 10k annual. Maybe you can negotiate FYF. as you are doing FD. Whats special feature you will actually use from Indulge?

 

[Odugu Narasimha Rao]

Then you can go for DCB/Regalia Gold. Go for DCB is you can hit 5L spend milestone for annual fee waiver.

Okay

 

[imdjay]

I took PNB Select Rupay card on FD even when I can have it directly. just to have a credit mix.
Looks like they too have reported it unsecured. Can't find anything in the collateral reported on CIBIL.

 

[AritraSaha]

Tell me another options bro I will choose

If you want c2c apply. Your card
1. Have to be 1 years old.
2. 50k> limit.
3. Report as unsecured ( i don't no if its mandatory)

So, can get idfc wow card ( i have this one with 2k, lol)

Aslo as u are willing to do 5L fd you might get some high-end hdfc cc.

 

[Odugu Narasimha Rao]

Why dont you consider Indus Vistara Explorer Card?
You can get for 10k joining and 10k annual. Maybe you can negotiate FYF. as you are doing FD. Whats special feature you will actually use from Indulge?

Using Co branded cards to C2C is not acceptable for some Banks.