IndusInd Legend CC LTF Offer query

[isunil1612]

Hi!

I have been receiving lot of calls lately to offer LTF CC on IndusInd, few callers from Gurgaon number have even offered Legend Variant. My understanding is that IndusInd does not do LTF easily, at least there is joining fees which gets partially reversed thru vouchers. I did ask the caller to send me the offer on email which they did but from some different id, domain name is Indusind.com only. When I visited branch and spoke to RM, he mentioned that Legend never comes as LTF. I even emailed their support team, but they are unable to divulge various offers for me on email. So I’m bit confused whether to apply the CC via this promotional caller?

Any suggestions? Is this variant given as LTF on calls? Anything I should do more to confirm the genuineness of the offer? Thanks in advance.

 

[TheTrickySid]

Pinnacle not being offered afaik as it is on Mastercard platform.

Ohh but still I wanted to know the difference between the two 😅

 

[007]

Ohh but still I wanted to know the difference between the two 😅

You can visit this for comparison (Select All cards):

Credit Card - Apply for Credit Cards Online & Get Instant Approval | IndusInd Bank

Credit Cards: Apply for a credit card online with IndusInd Bank & get instant approval. Enjoy a lifetime free credit card with zero joining and annual fee and reward points that never expire.

www.indusind.com

 

[Bob78900]

Legend

Without joining fees 0 ?

 

[007]

Without joining fees 0 ?

Yeah, no joining fees.

 

[souvikdey2002]

Pinnacle not being offered afaik as it is on Mastercard platform.

Thanks for answering on my behalf.
I'm on a constant check once it available so that I can upgrade.
Indulge is my ultimate target, let me see when I get there.

 

[souvikdey2002]

Ohh but still I wanted to know the difference between the two 😅

Major difference in 2 things:-

1. Rewards points=2.5/1.5 every 100 spent on Pinnacle Online/Offline, 1 every 100 spent on Legend
2. Priority Pass=Issued Free with Pinnacle but lounge visit is chargeable. With Legend even issuance is chargeable.

 

[souvikdey2002]

Indusind people are smart ... I would say
They know our Achilles heel 😀

You use nice words.
What is Achilles heel?

 

[Extrovert🌃]

Around 10, according to my GPay. I plan to open Kotak, IDFC soon. But some say IDFC works C2C so probably only Kotak and if ever, then later HSBC.

Do share how do you manage them. Any excel template to manage bank accounts/ debit cards / credit cards? I was looking for excel template to manage cc as all of my cc are chargeable

 

[Extrovert🌃]

I don't need to manage anything. Can you elaborate what you mean by manager?

I pay my CC bills in time, that's what I need to manage, nothing else. My HDFC CC anyway auto debits from my account (if I don't pay by any other method) so that manages itself.

Some people have this exoberant excel sheet which has the key points and key benefits as to max out the benefits of a select account/card.

 

[Extrovert🌃]

My policy is simple
Utilise HDFC most ... then BOB and then Canara

I don't have that many features and honestly I'm still catching up. I got to know today that I get priority pass complimentary with my Axis priority, still a lot to learn. Hopefully I'll do better with time. Nowadays I just manage so that nothing goes wrong (no late payments etc.)

It's not what i asked,

Look you've alot of cards. Some specialise in bookmyshow free tickets , some specialise in fuel surcharge waiver, some specialise in most % cb on spends on specific categories and channels. How do you keep track of cards so you can get the most out of your cards and accounts, something like this but it's much simpler

 

[007]

No, actually

Major difference in 2 things:-

1. Rewards points=2.5/1.5 every 100 spent on Pinnacle Online/Offline, 1 every 100 spent on Legend
2. Priority Pass=Issued Free with Pinnacle but lounge visit is chargeable. With Legend even issuance is chargeable.

1. 1RP for all spends on weekdays, 2RP for all spends on weekends.
2. Priority Pass - No issuance fee but lounge access is chargeable.

 

[souvikdey2002]

No, actually

1. 1RP for all spends on weekdays, 2RP for all spends on weekends.
2. Priority Pass - No issuance fee but lounge access is chargeable.

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Thanks for the correction.

 

[Cierdo]

My question is did you mail them for confirmation or was this mentioned in welcome mail. 🤔

I had mailed them at Premium.care@indusind.com

 

[TheTrickySid]

Major difference in 2 things:-

1. Rewards points=2.5/1.5 every 100 spent on Pinnacle Online/Offline, 1 every 100 spent on Legend
2. Priority Pass=Issued Free with Pinnacle but lounge visit is chargeable. With Legend even issuance is chargeable.

Can you please explain me the whole concept of priority pass.
What exactly is it and what is it used for?

 

[TheTrickySid]

Thanks for answering on my behalf.
I'm on a constant check once it available so that I can upgrade.
Indulge is my ultimate target, let me see when I get there.

Can we have indulge as LTF😅

 

[Extrovert🌃]

Can you please explain me the whole concept of priority pass.
What exactly is it and what is it used for?

This is detailed enough explanation of what it is and how it works.

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Are you looking for a comfortable stay at airport lounges during your travels? Check out our in-depth Priority Pass review for travelers.

viatravelers.com

In short it's a global luxury airport lounge access Membership. ..

 

[TheTrickySid]

Airport lounge access

Like just as visa and MasterCard have tieup with different lounges in the same was priority pass has tie-up right??

 

[TheTrickySid]

Something on similar lines

But I don't get the priority pass logic:
First buy a expensive membership and apart from that pay for each lounge visit seperately, like WTF.
What's the point of just having an expensive membership if it doesn't have any benefits.

 

[007]

I had mailed them at Premium.care@indusind.com

Okay. Thanks.

 

[souvikdey2002]

But I don't get the priority pass logic:
First buy a expensive membership and apart from that pay for each lounge visit seperately, like WTF.
What's the point of just having an expensive membership if it doesn't have any benefits.

Priority Pass is an independent company having Executive/Premium Lounges all over the World.
Now they have an agreement with different banks in every country so that people can get the Priority Pass for free of cost with some complementary lounge access/year or quarter mostly with Credit Card.

Now if you take any high variant Credit Card then based on the variant you will get Limited/Unlimited Lounge access at any domestic/international Airport.
You don't need to pay anything to anybody. It's just that you have taken the Credit Card & you are paying your bills on time along with any other fees, if any. So yes, taking Priority Pass independently from Priority Pass themselves doesn't make any sense since it has a membership fees & lounge access charges.

Therefore, it is a general practice that you get a Higher Variant Credit Card from a Bank who is giving you Priority Pass free of cost along with some complementary lounge access/quarter/year.

Dragon Pass, Diners Club is an alternative to Priority pass who runs the same lounge access all over the world.
I hope you understood now.

Benefits:- If you have a long layover to any Airport in the world using Priority Pass you can use the Premium/Executive Lounge free of cost which generally costs about 33$/visit. The facilities available there is:-

1. GYM & Spa
2. Lunch/Breakfast/Dinner
3. Toilet & Shower
4. High Speed Internet
5. Sleeping Bags

These may vary country to country & lounge to lounge. Therefore, if you have long layover of 10 Hours in an airport where you will not be allowed to go outside due to VISA restrictions in that case it is worth having these facilities free of cost where you can take rest for a good amount of time & prepare yourself for the onward journey.