Didn't know BOBCARD does the same too. It is seriously wrong though.
Axis Bank, on the other hand, doesn't show you the limit, and you wouldn't know it until the physical card is delivered to you. I applied for their Neo LTF card recently, and it was approved today (But similar to IndusInd, no confirmation SMS or email has been sent yet). To know the limit, I talked to their customer support, but they said they don't have the information about the limit and I'll know it only when the card is delivered to me, as it would be mentioned in the attached leaflet inside the envelope.
Talking of Axis Bank's customer care, it was a great experience. The call got connected to them instantly and the representatives sounded very professional too. Whereas for IndusInd, the calls take at least 10 minutes to connect no matter at what time of day I connect, and once they even made me hop from one representative to another.
Although any IndusInd credit card serves no purpose to me, but their debit cards have usually had amazing merchant offers for the past one year or so. So, I'm confused whether to open the Select bank account or not. 😕
Indusind indeed offers really good features for an account that can be converted into a 0 MAB account - upto 4 LTF DCs, lounge access, decent reward points, BB & Swiggy offers, etc.
Just hope that you never have to deal with their branch employees or customer support. Because if you're ever required to, it'll not be long until you realise how incompetent this bank is!
Calling their customer support GARBAGE would be an understatement. If you ever need to speak to their customer support executives, you first have to navigate through their insanely long list of IVR options. Then once you select the option to talk to a Rep, they'll keep you waiting for a minimum of 8-10 minutes (max for me has been 16 mins) before connecting you to someone. But the ordeal is not over yet, most of the times (from my experience) the representative isn't very knowledgeable and doesn't really know how to deal with the issue, so you have no other option but to hang up and hope that someone knowledgeable attends your call next time.
Also, I once called them to get an update on my request for updating my RMN. The rep whom I was connected to sounded like he was very sleepy. He asked me to repeat my concern 3 TIMES, that too when my concern was just "could you please provide an update on my RMN change request?" Later during the call he started talking to me a little rudely even when I was being super polite throughout the call. He even threatened me of imposing debit free on my account when I asked him to transfer my call to his supervisor because I felt he wasn't able to understand/respond to my concern satisfactorily. I later reported this incident but am almost certain that no action was taken despite assuring me of the same.
Now, in anticipation of better assistance, you might decide to reach out to them via email, but don't get your hopes too high because things won't be much different there either. They'll respond to your queries at their own sluggish pace and would eventually ask you to visit the branch for almost everything.
And don't even get me started on my experiences with my home branch. I also had the opportunity to talk to a lady from their Internal Ombudsman team. I decided to report all these incidents to her, thinking at least she would be able to make sure nothing like this happens to me in the future. But, to my surprise, instead of assuring me of making things right in the future, she offered me "some gifts" in the form of loyalty points to let go of these incidents and not mention them in their surveys that she was about to send me.
All this happened to me within just 4 months of opening my SELECT account.
