IndusInd Tiger credit card cons and upgarde

[cyberlocker]

Hello Everyone,

I recently got an Indusind credit card and have not activated it yet.
I have searched the internet and couldn't find answers to my question.

1. Since it's a Bajaj Capital Co-Branded credit card, will it increase in spam by Bajaj for their Sh**ty products?

I want to know from people who are already using this card if somehow they get the data and spam?

2. Is there a way to change the card to Legend?

After some thorough digging ( which happened after applying, my bad ), I figured I could have got Legend instead and could have got SELECT account as 0 MAB, which could give 1% on Forex ( which was the main reason to get Tiger for its 1.5 % ).
Now, Can I just request IndusInd customer care to switch/upgrade to Legend after few months of usage ( is it possible to upgrade from co-braded to core card? ) or do I have to apply for Legend separately?
Or I have to close the co-branded card and then apply for Legend again?
I am not able to properly get an answer through online search if I can get a CORE card by applying after few months if I still hold a Co-Branded card, or I have to close it and then apply or I can simply upgrade by requesting.

so what should be the course of action here? aiming for lowest forex( can't get uni, scapia, au ixigo, wealth ) and some other benefits like BOGO alongside it.

Thanks

EDIT: Don't mind the type error in the Title

 

[cardio_guy]

I got Tiger card in November 2024. No other relationship with Indusind or Bajaj.
To answer your questions:
1. No I didnt get even a single spam/marketing call from Bajaj or any of their executives, products etc. Absolute 0 calls or messages from Bajaj.
2. You will keep getting a lot of calls from Indusind executives/agents because your number willl be widely shared with them. I get at least 1 call in 2 weeks saying that I am eligible for LTF Indusind card. They would just know that you have a pre-approved offer. They don't know any of your other details. Just tell that you already have an Indusind card. So they will end the call.
3. Wait for a few weeks or 1-2 months. Last week I got a call from an Indusind executive and she told me that even though I hold Tiger, I can still get Legend. She even checked with her supervisor and confirmed. I told her to call me next week. I am still in 2 minds whether to take Legend or not, because if I proceed, it will be a CIBIL hit and later if they tell that it is not Legend but something else, I don't want that to happen.
4. After opening Indusind 0 MAB account you need to wait for 3 months to link Legend and upgrade it to Select. There are posts here saying that even with Legend, Indusind might change the criteria and ask to maintain higher MAB in Select. (Not sure, but chances are there). Lastly, I am not very excited about Select, so I may not proceed as well.
Please like, upvote and mark as solution if this helps.

 

[cyberlocker]

I got Tiger card in November 2024. No other relationship with Indusind or Bajaj.
To answer your questions:
1. No I didnt get even a single spam/marketing call from Bajaj or any of their executives, products etc. Absolute 0 calls or messages from Bajaj.
2. You will keep getting a lot of calls from Indusind executives/agents because your number willl be widely shared with them. I get at least 1 call in 2 weeks saying that I am eligible for LTF Indusind card. They would just know that you have a pre-approved offer. They don't know any of your other details. Just tell that you already have an Indusind card. So they will end the call.
3. Wait for a few weeks or 1-2 months. Last week I got a call from an Indusind executive and she told me that even though I hold Tiger, I can still get Legend. She even checked with her supervisor and confirmed. I told her to call me next week. I am still in 2 minds whether to take Legend or not, because if I proceed, it will be a CIBIL hit and later if they tell that it is not Legend but something else, I don't want that to happen.
4. After opening Indusind 0 MAB account you need to wait for 3 months to link Legend and upgrade it to Select. There are posts here saying that even with Legend, Indusind might change the criteria and ask to maintain higher MAB in Select. (Not sure, but chances are there). Lastly, I am not very excited about Select, so I may not proceed as well.
Please like, upvote and mark as solution if this helps.

So If I get Legend in the future I have to open a 0 MAB account and link the card or open a SELECT account and then link the card? or does it work both ways?

For me I won't mind extra cibil hit as I have observed it doesn't do much in the long run.
I had like 7-8 hard enquiries in the previous month and was expecting IndusInd to reject the application and yet they approved it.

 

[cardio_guy]

So If I get Legend in the future I have to open a 0 MAB account and link the card or open a SELECT account and then link the card? or does it work both ways?

Good question 🙂
Read this thread fully to know the pros and cons of both approach:

R

Thread 'How to open Indusind Select account with new Indusind Legend credit card ?'

Jul 30, 2024

Hi,
I have recently received IndusInd Legend credit card. I don't have bank account with IndusInd right now. Now I wish to get the Select account as zero balance by using the Legend card. How can I get it ?
1. Open any IndusInd account -> link legend credit card -> upgrade to select
Or
2. Open Select account by depositing MAB -> Link legend card -> get it confirmed that account is now zero balance
Which of the above method will be better.
Also is there any other option ?
Anyway who did get select zero balance please guide me. Thanks

• Rcbian
• account card credit card indusind indusind legend legend legend credit card select
• Replies: 45
• Forum: IndusInd Bank Credit Card

• 

 

[cyberlocker]

Good question 🙂
Read this thread fully to know the pros and cons of both approach:

R

Thread 'How to open Indusind Select account with new Indusind Legend credit card ?'

Jul 30, 2024

Hi,
I have recently received IndusInd Legend credit card. I don't have bank account with IndusInd right now. Now I wish to get the Select account as zero balance by using the Legend card. How can I get it ?
1. Open any IndusInd account -> link legend credit card -> upgrade to select
Or
2. Open Select account by depositing MAB -> Link legend card -> get it confirmed that account is now zero balance
Which of the above method will be better.
Also is there any other option ?
Anyway who did get select zero balance please guide me. Thanks

• Rcbian
• account card credit card indusind indusind legend legend legend credit card select
• Replies: 45
• Forum: IndusInd Bank Credit Card

• 

Thanks.
To my understanding from that thread,
If I open SELECT first, I can instantly link the card and convert to 0 MAB.
But, if I open any other variant/regular first, I have to wait 3 months minimum to upgrade.

I guess, I should activate tiger card and wait for 3-6 months to get any upgrade offer to LEGEND or apply separately.
Will confirm from Customer card if another core card is possible while holding tiger card as well.
If they say no, then will close tiger.

I don't find any of the Indusind cards as much rewarding. I think LEGEND + features of SELECT account are more beneficial than just having a tiger card.
Thanks for the help.

 

[Cyborg_]

So If I get Legend in the future I have to open a 0 MAB account and link the card or open a SELECT account and then link the card? or does it work both ways?

For me I won't mind extra cibil hit as I have observed it doesn't do much in the long run.
I had like 7-8 hard enquiries in the previous month and was expecting IndusInd to reject the application and yet they approved it.

In how many days you've got the approved message? Can you please share the timeline after the online applying process( as in any call or physcial verification).
I applied the tiger card on friday and as of now didn't recieve any call or mail.
Thanks.

 

[cardio_guy]

In how many days you've got the approved message? Can you please share the timeline after the online applying process( as in any call or physcial verification).
I applied the tiger card on friday and as of now didn't recieve any call or mail.
Thanks.

Tiger application and timeline details thread:

H

Thread 'IndusInd Bank Credit Card Application: Timeline and Current Process Update'

Nov 20, 2024

I’ve been wanting to get an IndusInd card and tried applying since 2023, but my applications kept getting instantly rejected after providing my address, work details, etc. However, this time, I was at least able to complete the application process, including vKYC (I chose the Legend LTF card).

When I called the IVR to check the application status, after entering my DOB and phone number, it kept saying the application was rejected. But when I spoke to customer care, they said it’s still under process, and the same was confirmed by their Twitter team.

I applied on November 18th.

What are...

• hellofromkerala
• credit card credit card application indusind indusind bank indusind bank credit card update
• Replies: 24
• Forum: IndusInd Bank Credit Card

My experience and timeline:

Post in thread 'IndusInd Bank Credit Card Application: Timeline and Current Process Update'

Nov 26, 2024

I think we are on the same batch. I also applied for IndusInd Tiger credit card on Nov 15. Completed VKYC also on the same date.
Everything was OK but no communication after that.

I also contacted their social media team and customer care, but everyone told application is in progress and we will let you know.
I had almost left it, but then -
got SMS today that card ending last 4 digits has been despatched through bluedart. !!
I also got another SMS to activate the card, with a link. Clicked the link, logged in to their portal and activated the card, set the transaction limits and all...

• cardio_guy

• 

 

[Ak Singh]

3. Wait for a few weeks or 1-2 months. Last week I got a call from an Indusind executive and she told me that even though I hold Tiger, I can still get Legend. She even checked with her supervisor and confirmed. I told her to call me next week. I am still in 2 minds whether to take Legend or not, because if I proceed, it will be a CIBIL hit and later if they tell that it is not Legend but something else, I don't want that to happen.

So they were providing upgrade or new card?
Limit was merged or separate.
Did they asked for to fill new application or just can be applied on call?

 

[cardio_guy]

So they were providing upgrade or new card?
Limit was merged or separate.
Did they asked for to fill new application or just can be applied on call?

I will ask these questions. Thanks.
I haven't applied yet. When she told me that I am eligible for Legend, I told her to call me next week. Will see next week.

 

[cyberlocker]

In how many days you've got the approved message? Can you please share the timeline after the online applying process( as in any call or physcial verification).
I applied the tiger card on friday and as of now didn't recieve any call or mail.
Thanks.

For me, It didn't take more than 10-15 days max.
There was an issue with submitting the vKYC.
I did the KYC 2 times and yet it kept showing me that I have KYC Pending.
Someone from IndusInd called and said, the agent is not submitting the KYC because of some information mismatch, and they sent a vKYC link to email.

I waited for 2 days, re-thinking whether I should go for it or not. At last, I went for it, just thinking it would get rejected since almost 8 inquiries were there and since a hard inquiry had already been done by IndusInd.
This time it got submitted successfully.
After that no communication from them.

After 6 days, I suddenly get an SMS to activate the card and an email to set the PIN.
There was no confirmation of application approval from their side, just a card-activation SMS.
The next day card was delivered.

 

[Cyborg_]

Yeah indusind is very unpredictable.
In my case there's no option to do vkyc as i hold the indusind delite savings account.
I also have like 6-7 enquiries in past 3 months. Let's see what happens.
And how much limit you got ? Is it the same that you saw while applying?

 

[cyberlocker]

Yeah indusind is very unpredictable.
In my case there's no option to do vkyc as i hold the indusind delite savings account.
I also have like 6-7 enquiries in past 3 months. Let's see what happens.
And how much limit you got ? Is it the same that you saw while applying?

They are quite deceptive on the limit.
Since I abandoned the application mid-way, I received an email stating I am eligible for a limit of 4L without any mention of t&c, conditional, etc. While They only gave upto 1L.
I have asked them to increase it to the mentioned limit.

 

[jhanishdev]

Tiger is a good card if

1. You require widespread domestic lounge access.
2. Cash credit. Gives 40ps. Rest all are 25ps or less in this category.
3. Can spend 6l or more annually
4. Forex charge becomes positive post 6L

Tiger is not good for Airmiles,bank offers or zero mab account.

 

[Cyborg_]

They are quite deceptive on the limit.
Since I abandoned the application mid-way, I received an email stating I am eligible for a limit of 4L without any mention of t&c, conditional, etc. While They only gave upto 1L.
I have asked them to increase it to the mentioned limit.

I've also seen such cases on this community where they didn't get the promised limit that was initially shown.
And one more thing..does indusind decline tiger applications for self employeds?

 

[Cyborg_]

Tiger is a good card if

1. You require widespread domestic lounge access.
2. Cash credit. Gives 40ps. Rest all are 25ps or less in this category.
3. Can spend 6l or more annually
4. Forex charge becomes positive post 6L

Tiger is not good for Airmiles,bank offers or zero mab account.

Yeah...i was planning to apply for the legend (for the select account to be zero mab) or tiger but on the card choosing page they offered only tiger..so i applied for the same.

 

[cyberlocker]

Tiger is a good card if

1. You require widespread domestic lounge access.
2. Cash credit. Gives 40ps. Rest all are 25ps or less in this category.
3. Can spend 6l or more annually
4. Forex charge becomes positive post 6L

Tiger is not good for Airmiles,bank offers or zero mab account.

Yes, I got it for the lounge ( since there are no spend criteria for the lounge for now ), low forex, and in addition, one movie ticket. Seems fair for an LTF card.
Reward wise I don't think I will touch this card.
Later I found out about Legend and 0 MAB and regretted getting this. Now only hoping to later switch to Legend. IndusInd cards are not good anyway but just good for collection.

 

[cyberlocker]

I've also seen such cases on this community where they didn't get the promised limit that was initially shown.
And one more thing..does indusind decline tiger applications for self employeds?

I had given Self Employed and it wasn't declined.

 

[Ak Singh]

Does tiger card works with bank discount offers?

 

[cyberlocker]

Does tiger card works with bank discount offers?

I am not sure, as the card is new, I am yet to use it for any discount offers and check. I hope someone who has used it for offers successfully would share their experience.