Indusind Pre-approved credit card offer

[quantum_]

Received a mail yesterday regarding pre approved card offer from Indusind bank. After proceeding I am getting 6 options - Platinum Aura edge, Platinum credit card(visa), Legend, Platinum Rupay, Eazydiner Platinum(All Ltf) & Eazydiner( joining fee - 1999+ gst).

Please suggest which card I should take?
Should I take a core or co-branded card 1st so that no problem in future, like in hdfc if we get co-branded card 1st then it is difficult to take a core card.

I like tiger card(I think it is co-branded) but it is not showing me in offer list,would it be a right decision if I apply for it directly?

 

[kvndsz512]

tbh sab useless card hai and waise bhi indusind cc ke itne offers aate nahi ... better to skip for now

maybe future me Lage toh pinnacle le kar 0 mab exclusive account khol Lena for now skip karlo

 

[sicko101]

Received a mail yesterday regarding pre approved card offer from Indusind bank. After proceeding I am getting 6 options - Platinum Aura edge, Platinum credit card(visa), Legend, Platinum Rupay, Eazydiner Platinum(All Ltf) & Eazydiner( joining fee - 1999+ gst).

Please suggest which card I should take?
Should I take a core or co-branded card 1st so that no problem in future, like in hdfc if we get co-branded card 1st then it is difficult to take a core card.

I like tiger card(I think it is co-branded) but it is not showing me in offer list,would it be a right decision if I apply for it directly?

Cibil hit done?

 

[binno]

Received a mail yesterday regarding pre approved card offer from Indusind bank. After proceeding I am getting 6 options - Platinum Aura edge, Platinum credit card(visa), Legend, Platinum Rupay, Eazydiner Platinum(All Ltf) & Eazydiner( joining fee - 1999+ gst).

Please suggest which card I should take?
Should I take a core or co-branded card 1st so that no problem in future, like in hdfc if we get co-branded card 1st then it is difficult to take a core card.

I like tiger card(I think it is co-branded) but it is not showing me in offer list,would it be a right decision if I apply for it directly?

you can take legend for indusind select savings acc (0 MAB)

 

[quantum_]

Cibil hit done?

Can't confirm right now as I have not applied for it, but I don't think there will be a cibil hit will update you later.

 

[quantum_]

tbh sab useless card hai and waise bhi indusind cc ke itne offers aate nahi ... better to skip for now

maybe future me Lage toh pinnacle le kar 0 mab exclusive account khol Lena for now skip karlo

Useless to h hi, agar abhi skip krunga to Bad me offer withdraw to nhi kar legi bank..?

 

[drvirag]

take any card whch is ltf. all indus card r useless. of dese i wud choose legend if ltf or else ed plat. Rupay plat anyway u cn get by split limit its always dere in app.

 

[quantum_]

you can take legend for indusind select savings acc (0 MAB)

I am considering this, but in future if I upgrade/close Legend card, what will happen to saving ac will I be able to downgrade it to indusdelite variant(currently I hold) or have to maintain the MAB.
One more question it is possible to upgrade Legend to tiger card.

 

[drvirag]

I am considering this, but in future if I upgrade/close Legend card, what will happen to saving ac will I be able to downgrade it to indusdelite variant(currently I hold) or have to maintain the MAB.
One more question it is possible to upgrade Legend to tiger card.

u cn change ac variant later if u close legend bt y wud u do so. Legend will most probably upgraded to pinnacle

 

[kvndsz512]

I am considering this, but in future if I upgrade/close Legend card, what will happen to saving ac will I be able to downgrade it to indusdelite variant(currently I hold) or have to maintain the MAB.
One more question it is possible to upgrade Legend to tiger card.

tbh not worth ... pinnacle atleast somewhat better with exclusive acc so better to wait

 

[drvirag]

tbh not worth ... pinnacle atleast somewhat better with exclusive acc so better to wait

i dont think he will get pinnacle pre aproved widout having any cc. he hs to take legend n den can convert it to pinnacle

 

[quantum_]

u cn change ac variant later if u close legend bt y wud u do so. Legend will most probably upgraded to pinnacle

Thank you for your response.

How many Indusind card one can hold at time?
Can I take tiger card later?

 

[drvirag]

Thank you for your response.

How many Indusind card one can hold at time?
Can I take tiger card later?

dont know but i have 2 cards. yes u cn take tiger later on split limit basis. Only advantage of indus legend n pinnacle is 0 mab ac. I don't find any indus card worth having

 

[quantum_]

dont know but i have 2 cards. yes u cn take tiger later on split limit basis. Only advantage of indus legend n pinnacle is 0 mab ac. I don't find any indus card worth having

2nd card is easily available with split limit in rupay variant.
But are you sure we can take Tiger🐯 with split limit.

 

[drvirag]

2nd card is easily available with split limit in rupay variant.
But are you sure we can take Tiger🐯 with split limit.

No u hv to apply fresh. U cant jst split limit n get tiger. Then they will reduce the limit of existing card n issue tiger as per ur eligibility n tnc of indus. U hv to mail dem for dis.

 

[quantum_]

No u hv to apply fresh. U cant jst split limit n get tiger. Then they will reduce the limit of existing card n issue tiger as per ur eligibility n tnc of indus. U hv to mail dem for dis.

So if we meet criteria then we can take 3 cards like Legend+rupay+tiger?

 

[drvirag]

So if we meet criteria then we can take 3 cards like Legend+rupay+tiger?

May b yes. Plz confirm this wid customer care. Bt for the u shud have 4 lakh limit. Aprx 1.5 for legend 2 lakh for tiger n 30k for rupay. Its my guess. Actual u cn mail dem n ask

 

[drvirag]

Bt i guess indus issue 2 cards only per customer. So u cn take legend plus tiger.
For upi u take any other card

 

[quantum_]

May b yes. Plz confirm this wid customer care. Bt for the u shud have 4 lakh limit. Aprx 1.5 for legend 2 lakh for tiger n 30k for rupay. Its my guess. Actual u cn mail dem n ask

Ok. Got a message on WhatsApp today saying-
Congratulations! Your superior profile has earned you a Lifetime Free Pre-approved Credit Card with a credit limit of 462000 INR.

Is this tentative limit or fixed limit?

 

[drvirag]

Ok. Got a message on WhatsApp today saying-
Congratulations! Your superior profile has earned you a Lifetime Free Pre-approved Credit Card with a credit limit of 462000 INR.

Is this tentative limit or fixed limit?

If its written limit upto den its tentative. U cn apply n check. If u r getting legend without joining fee (for which i hv doubt) den any limit is worth. Anyways u won't b able to use any limit in indus as dere r no offers