Surprising approval of Pinnacle and subsequent Exclusive account upgrade as ETB customer.

[telescope]

To give a background, I was holding LTF Aura CC with very low limit since ~5 years without any upgrade or LE. I tried applying legend many times but every time I got instant rejection. Got super frustrated and ended up cancelling that cc in May 2024.

Mid may, I applied for pinnacle through RS1910 and application got rejected instantly. Even before applying I asked him that I only closed cc few days ago and I don't want application rejection, but he was assured me it can be applied and ultimately costed me 1 cibil hit for no reason.

Today evening I got a phone call saying the call is from indusind bank and I am pre-approved for LTF legend and rupay without any joining or annual fees, I can choose any. He also told me that last time my application got rejected so he is calling me because I am now pre-approved for it. I told him that I already applied and got rejected 3 months ago and don't want another cibil hit.

He assured me that this time I'll get it. I said, I am not interested in legend and want pinnacle only. He said that's a paid card and joining fee is ₹15,000. I said, "everyone is getting it as joining fee waiver with 50k spends". Then he replied, that he can give it with that offer too.

He seemed to have every details of me and just said to verify email and mobile OTP which I did and after few minutes he called again saying application approved and said I need to submit the form. Which I did. And voila, cc approved. Now, next mission is to upgrade to exclusive account.

Update 1: (23/08/2024)

My savings account has been upgraded to exclusive account successfully.
Given the request at branch in morning and can see account scheme changed to exclusive account now in evening.
No debit card is showing yet.

 

[telescope]

I am quite pleased with Indusind now after the initial hiccups. When I called them it got directly connected to agent without going through the maze of IVR menus. Later, I learnt it is one of the feature of exclusive account.

Thinking of making this account as my primary or secondary one. Mainly because I would never (until devaluation) have to worry about charges.

 

[shivamk]

Also, can you tell if exclusive account cheques look different from normal ones?

Not sure bro, haven't opened it yet

 

[shivamk]

I am quite pleased with Indusind now after the initial hiccups. When I called them it got directly connected to agent without going through the maze of IVR menus. Later, I learnt it is one of the feature of exclusive account.

Thinking of making this account as my primary or secondary one. Mainly because I would never (until devaluation) have to worry about charges.

Which number did you call? For me it always goes through IVR

 

[telescope]

Which number did you call? For me it always goes through IVR

186026 777 77

 

[kshitij_0]

I got Exclusive Visa Signature DC visible in the app after I upgraded from Select to Exclusive. Now how can I get MC and Visa Plat Exclusive? I already have 3 active Select DCs and 1 Visa Gold DC and now this Visa Sign Exclusive.

 

[telescope]

I got Exclusive Visa Signature DC visible in the app after I upgraded from Select to Exclusive. Now how can I get MC and Visa Plat Exclusive? I already have 3 active Select DCs and 1 Visa Gold DC and now this Visa Sign Exclusive.

1. Why do you need mc?
2. Call customer care and ask for mc, they'll say you need to cancel visa to get mc. Say yes and after getting mc in hand, apply visa from app.

 

[shivamk]

1. Why do you need mc?
2. Call customer care and ask for mc, they'll say you need to cancel visa to get mc. Say yes and after getting mc in hand, apply visa from app.

Will visa be charged some replacement fee etc? in 2nd case?

 

[telescope]

Will visa be charged some replacement fee etc? in 2nd case?

Most probably yes.

 

[girish3456]

To give a background, I was holding LTF Aura CC with very low limit since ~5 years without any upgrade or LE. I tried applying legend many times but every time I got instant rejection. Got super frustrated and ended up cancelling that cc in May 2024.

Mid may, I applied for pinnacle through RS1910 and application got rejected instantly. Even before applying I asked him that I only closed cc few days ago and I don't want application rejection, but he was assured me it can be applied and ultimately costed me 1 cibil hit for no reason.

Today evening I got a phone call saying the call is from indusind bank and I am pre-approved for LTF legend and rupay without any joining or annual fees, I can choose any. He also told me that last time my application got rejected so he is calling me because I am now pre-approved for it. I told him that I already applied and got rejected 3 months ago and don't want another cibil hit.

He assured me that this time I'll get it. I said, I am not interested in legend and want pinnacle only. He said that's a paid card and joining fee is ₹15,000. I said, "everyone is getting it as joining fee waiver with 50k spends". Then he replied, that he can give it with that offer too.

He seemed to have every details of me and just said to verify email and mobile OTP which I did and after few minutes he called again saying application approved and said I need to submit the form. Which I did. And voila, cc approved. Now, next mission is to upgrade to exclusive account.

Update 1: (23/08/2024)

My savings account has been upgraded to exclusive account successfully.
Given the request at branch in morning and can see account scheme changed to exclusive account now in evening.
No debit card is showing yet.

Have you given any cheque as a initial payment

 

[telescope]

Have you given any cheque as a initial payment

I had normal savings account which I upgraded without any payment ↓

Update:

I happened to be passing by my branch in the morning and suddenly thought to pay a visit. When I asked the lady about exclusive upgrade she denied any possibility of upgrade. Said, "account upgrade acchi nahi hoti, better close account and open fresh one".

I said the account number is beautiful (indeed it is) and I can't part with it, so do something. She asked my account number and was kinda surprised with it. Then she consulted with ABM and he gave me a print out of exclusive account SoC and a plan upgrade form. My account had less than ₹100 then. I told them I can fund if necessary, but they said funding can be done later. In the whole conversation I didn't mention about pinnacle cc.

A while ago I checked account category in app and can see that account has been upgraded to exclusive account successfully.

No debit card is showing yet. Thinking of applying for mastercard varient of dc by calling customer care, or I should wait?

 

[telescope]

Also, can you tell if exclusive account cheques look different from normal ones?

Exclusive cheques look different. It has white & grey theme.