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Devaluation Notification of upcoming changes to IndusInd Debit Card Features and Benefits

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helloworld said:
Effective 1st November 2024, the benefits and features on IndusInd Bank Debit Cards will be revised as per the below:

Debit Card Offer Changes

www.indusind.com www.indusind.com

TL; DR:
  • Swiggy: Now 10% (up to ₹300), reduced from 20%.
  • BigBasket: Now 10% (up to ₹150), reduced from 20%.
  • BookMyShow: Now offers 2 free movie only tickets for most cards, except Mastercard Titanium Delights and Visa Platinum Max (1 free movie only ticket).
  • No more rewards:
    • On Visa Classic, Gold, Platinum, Platinum Max, Platinum Duo, Platinum Exclusive and MasterCard Titanium, Titanium Plus, Titanium Metro Cards.
  • Lounge Access: Reduced from 2 to 1 visit for most cards, except for MasterCard Delights and Visa Signature Delite (2 visits).
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Would it still make sense if we're trying to open exclusive salary account just to get signature debit card for rewards against cc bill payments
 
Optimiser007 said:
rewards against cc bill payments
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this is always in a bubble and no bank "officially" allowed or provide reward points for cc bill payments. as long as it works you need to take advantage but as said bubble can burst anytime and prepare for alternative.

Do not recommend to open "salary account" just to get reward points for "cc bill payments". Moreover, its cumulatively 0.93% that means need to spend 1L every month to get that rate. If you spend only 50k as bill payments you might get only 0.5% and also with Indus we never know when the points credited.

So, 0.5% reward rate not worth the hassle to open "salary account", IMO. Open account only if you like that product or branch people otherwise even credit cards in Indus not much value and doesn't required salary account to use them.
 
helloworld said:
this is always in a bubble and no bank "officially" allowed or provide reward points for cc bill payments. as long as it works you need to take advantage but as said bubble can burst anytime and prepare for alternative.

Do not recommend to open "salary account" just to get reward points for "cc bill payments". Moreover, its cumulatively 0.93% that means need to spend 1L every month to get that rate. If you spend only 50k as bill payments you might get only 0.5% and also with Indus we never know when the points credited.

So, 0.5% reward rate not worth the hassle to open "salary account", IMO. Open account only if you like that product or branch people otherwise even credit cards in Indus not much value and doesn't required salary account to use them.
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Absolutely agreed, any idea what would be the charges on signature debit card with normal savings account? Any other alternative debit cards (of other banks too in case) u would suggest for cc bills? Currently using sbi debit card with 0.25% meagre reward rate
 
Optimiser007 said:
Absolutely agreed, any idea what would be the charges on signature debit card with normal savings account? Any other alternative debit cards (of other banks too in case) u would suggest for cc bills? Currently using sbi debit card with 0.25% meagre reward rate
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sm9811911

Thread 'Latest working methods to pay credit card bill from debit cards'

Valid as on 16th Dec 2024. I will keep on updating here and on https://x.com/sm98119

1a) RBL signature + dc: Pay using sbi unipay. 1% cashback for cc bill payment upto 1000rs pm. Extra 5,000 Rs voucher if spend of 5L or more in a year. Fees 5.9k issuance (get 5k voucher) and 1.8k annual (waived off on 3L spends). Can open multiple accounts with same pan to get multiple dc.

1b) RBL Enterprise dc: Pay using sbi unipay. 5% cb on paying cc bills upto 1k monthly. 9k vouchers if spend of 15L in an year. Fees of 2.2k annual. On joining, 8.9k fees and you get 8.5k...
  • sm9811911
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jai.moram10 said:
I opened the select bank account for 20% discount on BigBasket offer. We can use the offer twice by holding two debit cards visa and master. Now it gone, it's no more valuable for me. I will be downgrade the account. The devastation is so bad in both level, reduced the percentage and also maximum discount. Atleast they should have capped the max discount to 250 instead of 150. Now I can get discount of 10% on maximum bill amount of 1500/- which is too low compared to existing offers by other bank offers.
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Is it possible to have 2dc on single bank account?
 
I have 5000 points in select visa platinum dc ... What's the best way to redeem it? Should I cash it? Also have most of the CCs with 5-10% cb on fk amz etc so what will be beneficial ...Didn't find any thread related to it please share..
 
sarcasm99 said:
I have 5000 points in select visa platinum dc ... What's the best way to redeem it? Should I cash it?
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cash it.
sarcasm99 said:
Also have most of the CCs with 5-10% cb on fk amz etc so what will be beneficial ...Didn't find any thread related to it please share..
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not getting, could you elaborate your query because 5000 dc points and 5-10% cc cb not related, so need more information on what you're looking?
 
helloworld said:
cash it.


not getting, could you elaborate your query because 5000 dc points and 5-10% cc cb not related, so need more information on what you're looking?
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I meant if I redeem for gift cards available on indus moments instead of cashing it what's the reward rate .. is it same 1 RP=0.35 ₹ or more
 
sarcasm99 said:
I meant if I redeem for gift cards available on indus moments instead of cashing it what's the reward rate .. is it same 1 RP=0.35 ₹ or more
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yes but thats for using debit card. why cc 5-10% came here? dc should be used when cc option doesn't exist, otherwise always cc better option than dc.

this is not spend, but redemption. so, whichever you redeem that is bonus from bank.
 
I recently upgraded to exclusive and planning to take both mastercard and signature visa debit cards.
Question - whilst there are 0 forex charges.. What are cash withdrawal charges for these cards for foreign atms?
 
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