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My 15 days journey with INDUSIND Bank(From Pinnacle CC to Exclusive account with both Visa and MC World Debit cards)

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ZappyRed

ZappyRed

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May 9 2024 - Applied for Pinnacle CC at around 12PM, approved the same day at 7PM with 5L limit(5000+GST fees(Onetime joining fees) reversed for 50k spends in 3months, confirmed by calling CC)

May 11 2024 - Pinnacle Card delivered

Since my goal is to get an Exclusive Account, I didn't create any Netbanking logins for credit card, after reading many posts for not being able to link them later to make 0 MAB Exclusive account.

May 15 2024 - Applied for Indus Exclusive Account with 90k initial funding via Online Link. Account opened in minutes. Did Video KYC.

May 21 2024 - Welcome kit delivered with VISA Signature Debit card, Cheque Book, some other documents. Created logins for Netbanking, linked Pinnacle credit card to make the Exclusive account 0 MAB. Withdrawn all money to my other accounts.

May 24 2024 - Randomly out of no where saw that we can also apply for MC WORLD DC by calling the C care. Called the CC just now @ 1.40 AM today(May 24 2024). The CC guy took the request for a MC World debit card(Surprisingly I got the request taken in the first call itself, after address verification in call).
May 24 2024 - @ 1.41 AM the MC WORLD DC is showing up on the INDUS APP(I am indeed quite surprised at their swiftness to take the request, approve it and generate a Virtual card and show it up in their portal).


INDUSIND BANK - DONE AND DUSTED

A big thanks and shout out to the TF community for sharing their experiences which helped me immensely in the above journey.
 
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Got an exclusive account with visa variant. Called CC 4 times and tried asking for MC world but they denied saying we will close the old one. In fact got connected to same agent during 4th call.

Any way out in this scenario?
 
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Update: I visited the branch and got the exclusive account opened however the RM asked for 2 lakhs initial funding and told me that it is 90k MAB account. Then I talked about my pinnacle card and she also told that by linking pinnacle cc to exclusive account will make it 0 MAB. I just created new user id using debit card and linked cc. it was linked seamlessly.

two queries -

1. I cannot use the debit card as of now the error says insufficient funds! should I raise an issue or wait for some more time?
2. how to get additional debit mastercard world debit card along with visa signature debit card?

Regards,
Ashok Singh.
 
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ashok.singh said:
Update: I visited the branch and got the exclusive account opened however the RM asked for 2 lakhs initial funding and told me that it is 90k MAB account. Then I talked about my pinnacle card and she also told that by linking pinnacle cc to exclusive account will make it 0 MAB. I just created new user id using debit card and linked cc. it was linked seamlessly.

two queries -

1. I cannot use the debit card as of now the error says insufficient funds! should I raise an issue or wait for some more time?
2. how to get additional debit mastercard world debit card along with visa signature debit card?

Regards,
Ashok Singh.
Click to expand...
1. amount must be frozen currently. Please wait for a few days after opening the account
2. Calling CC is the only way. Although they are reluctant to give both cards together these days.
 
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shivamk said:
1. amount must be frozen currently. Please wait for a few days after opening the account
2. Calling CC is the only way. Although they are reluctant to give both cards together these days.
Click to expand...
Thanks for the response bro.

One more query if you or anyone could answer..

I cannot use the newly created user id on indus mobile however it is working fine on indus net!!!
 
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Hi SSV Sir,

Got an exclusive account with visa variant. I have called customer care so many times and tried asking for MC world but they denied saying we will close the visa one.

Any way you can help?
 
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kunalgoel said:
Hi SSV Sir,

Got an exclusive account with visa variant. I have called customer care so many times and tried asking for MC world but they denied saying we will close the visa one.

Any way you can help?
Click to expand...
there is no way other than closing visa. take MC after closing visa, then after getting mc, apply visa from app.
 
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vear said:
Hi @SSV got both Pinnacle CC and exclusive SB account with Visa DC. I called support twice, but denied MC without blocking the existing Visa DC. Could you please suggest how to get the second DC? TIA.
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It seems they are reluctant to give second dc these days. Give a break of 2 to 3 months and try later
 
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