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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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SSV said:
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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Bro, once we link our Pinnacle card with exclusive savings account, and add family member account to our cust id - will our family member will get the same benifits as 0 MAB. Can you please advise
 
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ChurningNoob said:
Thanks I called CC they said fees is 15k so I asked them to close the card now they are ready to reverse the chargers once I activate the card, so just did kyc for exclusive saving account. Once I receive saving acc details will activate the card and start the fight 😀
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I am having similar issue. At the time of Pinnacle card application, it showed me 5000 as joining fee. However got an SMS after card got dispatched saying the joining fee is 15,000 INR.

I have not activated the card and called the Indusland customer care (2 days after receiving the physical card) to enquire about the joining fee for my card. I got reply saying that they can not see joining fee details in my credit card account and typically it may take 7 days to reflect the joining fee on the account😱 . They asked me to call again after a week. Looks like their IT systems are ancient:see-no-evil-monkey:

I will call again after a week and request for cancellation if they insist for 15k joining fee.
 
SSV said:
It seems they are reluctant to give second dc these days. Give a break of 2 to 3 months and try later
Click to expand...
Went to the branch and asked the RM for the second DC. He showed which cards are available for my account on his screen and it showed MC. Asked him to select that, shared an OTP and the second DC got approved. Now I can see the card number in my app as well.
 
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vear said:
Went to the branch and asked the RM for the second DC. He showed which cards are available for my account on his screen and it showed MC. Asked him to select that, shared an OTP and the second DC got approved. Now I can see the card number in my app as well.
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Very good..
Congratulations!!
 
Neo said:
I am having similar issue. At the time of Pinnacle card application, it showed me 5000 as joining fee. However got an SMS after card got dispatched saying the joining fee is 15,000 INR.

I have not activated the card and called the Indusland customer care (2 days after receiving the physical card) to enquire about the joining fee for my card. I got reply saying that they can not see joining fee details in my credit card account and typically it may take 7 days to reflect the joining fee on the account😱 . They asked me to call again after a week. Looks like their IT systems are ancient:see-no-evil-monkey:

I will call again after a week and request for cancellation if they insist for 15k joining fee.
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Did you get any update on this
 
vear said:
Went to the branch and asked the RM for the second DC. He showed which cards are available for my account on his screen and it showed MC. Asked him to select that, shared an OTP and the second DC got approved. Now I can see the card number in my app as well.
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Are they charging for second DC?
 
ZappyRed said:
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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Did you applied Pinnacle CC from Branch ?
 
Be careful about the initial funding cheque for the exclusive account. See my experience below.

I went through branch for the Select account opening with an initial funding cheque. Unfortunately my initial funding check got bounced. I have offered them a cheque from my other account (Name is exactly same as Indusind account) or Funds transfer from my other bank account to the IndusInd.

IndusInd BM mentioned that both the options are not possible 😭 Also once your initial funding cheque for bounced (irrespective of the bounce reason) , your IndusInd account will go into debt freeze mode.

Now IndusInd will resubmit the same exact cheque for second and last attempt (Their system doesn't accept to change cheque at this stage) . And if the cheque gets rejected at the second attempt, then it's the end of the story 🤕 You can not do anything beyond this step. You need to close the account and go for a new account opening process. This is how their system works.
 
telescope said:
Go to app. After login, click on menu button on top left corner, then click on apply, then apply debit card, then apply for visa signature exclusive dc. That's it.
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Applied in a min, thank you!! So usually in how many days does reward points credit after paying bill?
 
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