Tricks to get Emerald LTF and Indulge LTF

[Cardmarvel]

Hello,

I have recently opened a Select account with IndusInd. They have offered me Legend LTF, but I have asked for Indulge LTF instead. I offered them to put 5L FD as goodwill. What are my chances? Any other tricks I can use? I already hold Infinia and Magnus so I don’t have a lot to gain from Indulge, but I will keep LTF if they offer.

Similarly, I have requested my icici RM to upgrade from Sapphiro LTF to Emerald LTF. I have told them that if they do so, I will move some expenses to Emerald, give them additional SIP and won’t move my salary to Axis. Would this work? Again, I have no inclination to pay any fees for Emerald since my other cards cover most benefits already

 

[CC-Muncher]

5L for indulge?
Is it worth? What do you get additional to infinia/magnus? Or is it just card collection

 

[CC-Muncher]

Whats the 22karat gold weight inside the card 🤣

First credit card in Indian sub-continent with pure 22K gold inlay

 

[VGisHere]

5L for indulge?
Is it worth? What do you get additional to infinia/magnus? Or is it just card collection

Going by this statement of @Cardmarvel , "Again, I have no inclination to pay any fees for Emerald since my other cards cover most benefits already"
seems more like card collection 😅

 

[anirban.choudhuryanirban.choudhury is verified member.]

Hello,

I have recently opened a Select account with IndusInd. They have offered me Legend LTF, but I have asked for Indulge LTF instead. I offered them to put 5L FD as goodwill. What are my chances? Any other tricks I can use? I already hold Infinia and Magnus so I don’t have a lot to gain from Indulge, but I will keep LTF if they offer.

Similarly, I have requested my icici RM to upgrade from Sapphiro LTF to Emerald LTF. I have told them that if they do so, I will move some expenses to Emerald, give them additional SIP and won’t move my salary to Axis. Would this work? Again, I have no inclination to pay any fees for Emerald since my other cards cover most benefits already

I don’t think any of this would work
For Emeralde they need high NRV atleast 40-50 lakhs plus , some loan or other relation with Icici

On 5 lakh FD , I don’t thing IndusInd would agree for LTF Indulge , even for pioneer account they don’t offer LTF Indulge

 

[anirban.choudhuryanirban.choudhury is verified member.]

5L for indulge?
Is it worth? What do you get additional to infinia/magnus? Or is it just card collection

Indulge offers 6000 discount on ED every year per card , Induind offers 5 add-on card
That means total 36000 off in ED every year , that neither Magnus or infinnia can provide

Over Magnus the benefit of Indulge is unlimited international lounge access through PP to all add-ons , Infinnia has maximum 3 add-on as per my knowledge here also Indulge is above Infinnia

Obviously reward structure of Magnus is unbeatable

 

[CC-Muncher]

Indulge offers 6000 discount on ED every year per card , Induind offers 5 add-on card
That means total 36000 off in ED every year , that neither Magnus or infinnia can provide

Over Magnus the benefit of Indulge is unlimited international lounge access through PP to all add-ons , Infinnia has maximum 3 add-on as per my knowledge here also Indulge is above Infinnia

Obviously reward structure of Magnus is unbeatable

What is ED

 

[CC-Muncher]

Eazydiner?

 

[CC-Muncher]

What happens to PP after 3years? Do they renew?

 

[pprakash11]

Eazydiner?

Yes

 

[anirban.choudhuryanirban.choudhury is verified member.]

What happens to PP after 3years? Do they renew?

PP for primary Indulge is valid till card expiry for add-on it’s valid for 3 years , then gets renewed upon request without any charges

 

[anirban.choudhuryanirban.choudhury is verified member.]

What is ED

EazyDiner

 

[CC-Muncher]

ED offer of 36k is fine if we get it LTF as per @anirban.choudhury. Else it doesn't make any sense in getting it paid or with high NRV

 

[anirban.choudhuryanirban.choudhury is verified member.]

ED offer of 36k is fine if we get it LTF as per @anirban.choudhury. Else it doesn't make any sense in getting it paid or with high NRV

If one can manage LTF even with high NRV which I don’t think IndusInd would agree to , the card is worth to keep

 

[Cardmarvel]

I don’t think any of this would work
For Emeralde they need high NRV atleast 40-50 lakhs plus , some loan or other relation with Icici

I have all of that and I have warned them that I will move my salary to some other bank if they don’t oblige. For last several months, I never demanded anything but I have silently stopped using the Sapphiro card and they noticed it

On 5 lakh FD , I don’t thing IndusInd would agree for LTF Indulge , even for pioneer account they don’t offer LTF Indulge

Ok. Let’s see what they come back with.

 

[Cardmarvel]

Indulge offers 6000 discount on ED every year per card , Induind offers 5 add-on card
That means total 36000 off in ED every year , that neither Magnus or infinnia can provide

Oh ok. That seems quite tangible benefit. Is this discount something different than what say Infinia offers? They too have Rs 1k per month and some restaurant wise discounts, right?

Over Magnus the benefit of Indulge is unlimited international lounge access through PP to all add-ons , Infinnia has maximum 3 add-on as per my knowledge here also Indulge is above Infinnia

Infinia offers unlimited lounges too, per my understanding. They never charged me even for guests so far

Obviously reward structure of Magnus is unbeatable

True

 

[Cardmarvel]

Going by this statement of @Cardmarvel , "Again, I have no inclination to pay any fees for Emerald since my other cards cover most benefits already"
seems more like card collection 😅

Yeah, true. Since IndusInd is desperate to give me a card, I would rather bargain for the better card. Similarly, I don’t want to close Sapphiro even if I am not using it, I would rather try to upgrade it to Emerald

 

[ADITYA1904]

Indulge offers 6000 discount on ED every year per card , Induind offers 5 add-on card
That means total 36000 off in ED every year , that neither Magnus or infinnia can provide

Over Magnus the benefit of Indulge is unlimited international lounge access through PP to all add-ons , Infinnia has maximum 3 add-on as per my knowledge here also Indulge is above Infinnia

Obviously reward structure of Magnus is unbeatable

I don’t think this 36k ED every year with including Addon cards, only primary card ED 6000 a year, not applicable on addon cards as i was informed by indusind…please clarify this

 

[purush]

Different perspectives of indusind card but it's hard to believe each add on card will have separate ED benefits

 

[0xfallup]

@anirban.choudhury how did u got indulge LTF ....pls share your story