Is there any chance my indusind aura edge card can be upgraded to legend?

[SnowLucifer]

I am new to this community so some advice will be very nice on this topic. I am currently holding indusind aura edge credit card with 30k limit. So in time can i get limit increase and pre-approved upgrade offer to legend cc?
I am a student so no income proof or itr. So not gonna go that way. Currently holding 16 credit cards in total and never missed payment and cibil is also good. Is there any chances they send upgrade offers for user like me?
Also my card collection i posted below in the comments hope it helps.

 

[helloworld]

In time, everything possible. be patient.

 

[asahi]

I am new to this community so some advice will be very nice on this topic. I am currently holding indusind aura edge credit card with 30k limit. So in time can i get limit increase and pre-approved upgrade offer to legend cc?
I am a student so no income proof or itr. So not gonna go that way. Currently holding 16 credit cards in total and never missed payment and cibil is also good. Is there any chances they send upgrade offers for user like me?

What do you mean 16 Cards how to do you got 16 as student without income proof etc

 

[SnowLucifer]

What do you mean 16 Cards how to do you got 16 as student without income proof etc

yes i have taken those cards only that doesn't require income proofs.So no problem.

 

[SnowLucifer]

In time, everything possible. be patient.

Ok so this is possible na? How long may it take?

 

[asahi]

yes i have taken those cards only that doesn't require income proofs.So no problem.

Can you list out those cards which don’t require income proofs, so many in this community looking for the same

 

[helloworld]

Ok so this is possible na? How long may it take?

too much in too short may harmful for both cibil and one's own financial.

wait for atleast 2+ years if you do constant spending on that card.

 

[Channakya]

yes i have taken those cards only that doesn't require income proofs.So no problem.

Share your credit card portfolio, it would help others

 

[newinnov]

I am new to this community so some advice will be very nice on this topic. I am currently holding indusind aura edge credit card with 30k limit. So in time can i get limit increase and pre-approved upgrade offer to legend cc?
I am a student so no income proof or itr. So not gonna go that way. Currently holding 16 credit cards in total and never missed payment and cibil is also good. Is there any chances they send upgrade offers for user like me?

Yes, indusind sends upgrade offer after approx 6 month, but they are mostly paid offers i.e voucher of 10k -16k on upgrade
Indusind will call you directly instead of sms/notification in app
If you want upgrade you have to have spend on that card everymonth
Also, please mark it as solution if it answers your query.

 

[SnowLucifer]

too much in too short may harmful for both cibil and one's own financial.

wait for atleast 2+ years if you do constant spending on that card.

Ok understood. But i rarely use the card. Indusind doesn't have that much offers

 

[SnowLucifer]

Yes, indusind sends upgrade offer after approx 6 month, but they are mostly paid offers i.e voucher of 10k -16k on upgrade
Indusind will call you directly instead of sms/notification in app
If you want upgrade you have to have spend on that card everymonth
Also, please mark it as solution if it answers your query.

Ah thats a big problem then. I rarely use that card cause the offers are not that great and reward rates also poor.

 

[SnowLucifer]

Share your credit card portfolio, it would help others

Sure if it helps. Shall i post a new thread of my credit card journey that how i got those cards or just post a list of cards that i got?

 

[helloworld]

Ok understood. But i rarely use the card. Indusind doesn't have that much offers

then you don't need upgrade. try to upgrade on the card that you use most rather all junks. moreover if your spends in a year apprx. 2 L then only 2 cards sufficient, upto 5L then 3 to 5 cards sufficient. You'll never ever utilize all 16 cards.

Post in thread 'Need Suggestions for credit cards to apply'

Aug 13, 2024

You have more than you need. Unless you're spending for your family, I do not think you need anymore cards. Btw, whats the apprx. annual spends for you (including all except wallet loads)

btw, you can focus on improving relationship and getting better limits (thats possible if you spend actively and will take time if you distribute everywhere).

• helloworld

• 

Get paid card as FYF, use for a year and see whether annual fee compensated with the benefits it offered.

If not useful, switch/upgrade/downgarde to another card in the same bank either FYF or equal points for fee paid and continue another year and see whether annual fee of new card compensated with the benefits it offered.

If not, close them and move to another bank. Taking paid card help you manage cards properly and avoid unnessary cards in one's own wallet (which are not beneficial, doesn't attract better spends due to low rewards, doesn't improve relationship with bank for better upgrades due to low spends).

Think once!

 

[Crafty]

At what age did you get IndusInd? I want to know their minimum age criteria for credit card for IndusInd

 

[BananaRepublic]

I have a Indusind Platinum credit card which I used only 2 times for my Vi mobile recharge. Then exactly after 8 months I got Indusind Legend LTF upgrade offer in mail.

 

[SnowLucifer]

then you don't need upgrade. try to upgrade on the card that you use most rather all junks. moreover if your spends in a year apprx. 2 L then only 2 cards sufficient, upto 5L then 3 to 5 cards sufficient. You'll never ever utilize all 16 cards.

Post in thread 'Need Suggestions for credit cards to apply'

Aug 13, 2024

You have more than you need. Unless you're spending for your family, I do not think you need anymore cards. Btw, whats the apprx. annual spends for you (including all except wallet loads)

btw, you can focus on improving relationship and getting better limits (thats possible if you spend actively and will take time if you distribute everywhere).

• helloworld

• 

Get paid card as FYF, use for a year and see whether annual fee compensated with the benefits it offered.

If not useful, switch/upgrade/downgarde to another card in the same bank either FYF or equal points for fee paid and continue another year and see whether annual fee of new card compensated with the benefits it offered.

If not, close them and move to another bank. Taking paid card help you manage cards properly and avoid unnessary cards in one's own wallet (which are not beneficial, doesn't attract better spends due to low rewards, doesn't improve relationship with bank for better upgrades due to low spends).

Think once!

Actually this is the only card that is not used at all and with lowest limit too. Others cards some spends happens every month. If i got upgraded to legend the movie offer will be used and i can open a zero balance account with indusind. That's reason i was asking

 

[SnowLucifer]

At what age did you get IndusInd? I want to know their minimum age criteria for credit card for IndusInd

i got at 23

 

[SnowLucifer]

I have a Indusind Platinum credit card which I used only 2 times for my Vi mobile recharge. Then exactly after 8 months I got Indusind Legend LTF upgrade offer in mail.

Thats the inspiration i needed. Thank you

 

[Channakya]

Sure if it helps. Shall i post a new thread of my credit card journey that how i got those cards or just post a list of cards that i got?

Share it in the same. Thread just rename the title .

 

[SnowLucifer]

Share it in the same. Thread just rename the title

I am new to this community so some advice will be very nice on this topic. I am currently holding indusind aura edge credit card with 30k limit. So in time can i get limit increase and pre-approved upgrade offer to legend cc?
I am a student so no income proof or itr. So not gonna go that way. Currently holding 16 credit cards in total and never missed payment and cibil is also good. Is there any chances they send upgrade offers for user like me?

And If you curious about my 16 cards list. Sharing below-
Amazon pay ICICI (ltf)
Icici platinum (ltf)
icici coral (ltf)
icici mmt signature (ltf)
Flipkart axis (590 rs)
Axis myzone(ltf)
Hdfc mb+ (ltf)
Hdfc Swigyy (ltf)
Yes bank business prosperity (399+gst)
Yes bank digital rupay( ltf)
Kotak league platinum (ltf)
Rbl Savemax(ltf)
Indusind Aura edge(ltf)
Idfc millenia (ltf)
Au swipe up(ltf)
Onecard(ltf)