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Tracking IndusInd Exclusive Debit Card Points : Excel Template

jyothisthaliath

TF Premier
Initially I had a lot of trouble tracking points on transactions made through IndusInd Exclusive debit card. So with some help from ChatGPT, I made this excel template to note my monthly spends and corresponding reward points which is expected. Now it is much easier to pinpoint the transactions for which the rewards have not been credited.

1. Note down details of each transaction made using Exclusive debit card.
2. Column D and F are automatically calculated for monthly cumulative amount and reward points based on the transaction amount.
3. IndusInd is not regular in crediting points You can check the mobile app or Internet Banking site from time to time to confirm points have been credited. Note the difference in points before and after. That will give you number of points credited at one time.
4. See the total of reward points expected and verify if the same number of points have been credited. Most of the time it will match roughly with the calculated figure.
5. If you have verified that points credited, mark the last column as yes. If there is something missing, you can easily find out for which transaction you have not received points. The difference will be the same number as per points expected column.
6. In case there is a missing points issue, you can wait for few days. If the transaction which happened after the missing one has been rewarded, then you can check if the missing one has any MCC issue, for example it may not be eligible for points. Otherwise, you can take up with priority.care team with the transaction details.

Download Link

Here is a preview of the sheet:

1737889088393.webp

For calculation of points, I have used the information made available in this forum by the awesome contributors. Hope you find it useful. Let me know in case of any mistakes or improvements I can make to this.
 
Good job.

One more thing. As suggested by @Deepak_Shetty and myself in different posts, to ensure correct points credit with indusind bank, till 40k cumulative spends, make the subsequent transaction only after points are credited for the previous transaction.

It doesn't matter after 40k or if you have single payment of 40k+

Eg - if you have HDFC bill of 15k and SBI bill of 9k.
1. First pay HDFC bill of 15k
2. Wait till points are credited for the same
3. Then pay SBI bill of 9k

This way spends will considered cumulatively. If you make the payment before points are credited, it won't be considered cumulatively and you might get lesser points
 
Good job.

One more thing. As suggested by @Deepak_Shetty and myself in different posts, to ensure correct points credit with indusind bank, till 40k cumulative spends, make the subsequent transaction only after points are credited for the previous transaction.
Yes ofcourse 👍 That was really an eyeopener 😀 I can't tell you how many points I wasted without knowing this technique
 
How long does it take for points to be credited after paying the bill?
Very difficult to tell. They take anywhere from 5 days to even 30 days. You'll be bored to death 😢 Mostly happens in bulk, so no chance to know which transaction has been rewarded, unless you track it religiously
 
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Very difficult to tell. They take anywhere from 5 days to even 30 days. You'll be bored to death 😢 Mostly happens in bulk, so no chance to know which transaction has been rewarded, unless you track it religiously
Ok thanks. I think I'll use sbi virtual dc for now as dates are near
 
Good job.

One more thing. As suggested by @Deepak_Shetty and myself in different posts, to ensure correct points credit with indusind bank, till 40k cumulative spends, make the subsequent transaction only after points are credited for the previous transaction.

It doesn't matter after 40k or if you have single payment of 40k+

Eg - if you have HDFC bill of 15k and SBI bill of 9k.
1. First pay HDFC bill of 15k
2. Wait till points are credited for the same
3. Then pay SBI bill of 9k

This way spends will considered cumulatively. If you make the payment before points are credited, it won't be considered cumulatively and you might get lesser points
this is applicable for Pioneer Debit card as well?
 
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