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Tricks to get Emerald LTF and Indulge LTF

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Cardmarvel

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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
 
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anirban.choudhury said:
None of the icici cards comes with information related to joining and annual charges
To confirm LTF status write a mail to customer care or head credit services and keep that in writing , also when you filled the application , you must have received a MITC agreement and application form in that charges are clearly mentioned
Click to expand...
What is the mail id of head credit services of ICICI?
 
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anirban.choudhury said:
None of the icici cards comes with information related to joining and annual charges
To confirm LTF status write a mail to customer care or head credit services and keep that in writing , also when you filled the application , you must have received a MITC agreement and application form in that charges are clearly mentioned
Click to expand...

So I called up customer care, and they say only joining fees are waived off, not the annual fees. I told them that I was told otherwise. They say, they will try to convert it into LTF.

I told my RM that I won’t activate the card. But he has responded on email from his official id that the card is indeed LTF and they will handle any issues if arise. So I have decided to activate the card and see what happens next year. I have an email chain to validate my stand and worst case, I will return it next year
 
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Cardmarvel said:
So I called up customer care, and they say only joining fees are waived off, not the annual fees. I told them that I was told otherwise. They say, they will try to convert it into LTF.

I told my RM that I won’t activate the card. But he has responded on email from his official id that the card is indeed LTF and they will handle any issues if arise. So I have decided to activate the card and see what happens next year. I have an email chain to validate my stand and worst case, I will return it next year
Click to expand...
draft a mail to pno for confirmation
 
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Cardmarvel said:
Will see next year. I have one official email right now, so can always fight it out
Click to expand...
So after I copied customer care and PNO on RM’s email, the RM finally accepted that the card is only FYF. I still haven’t activated the card and considering my options:

I can keep it for the first year and dump it next year if they don’t make it LTF by then.

I can simply NOT activate it and let it get cancelled.

I can keep the card and liquidate my MF holdings with them, effectively saving monies on commission

What say junta?
 
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Cardmarvel said:
So after I copied customer care and PNO on RM’s email, the RM finally accepted that the card is only FYF. I still haven’t activated the card and considering my options:

I can keep it for the first year and dump it next year if they don’t make it LTF by then.

I can simply NOT activate it and let it get cancelled.

I can keep the card and liquidate my MF holdings with them, effectively saving monies on commission

What say junta?
Click to expand...
welcome benefits will be there?
 
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Cardmarvel said:
So after I copied customer care and PNO on RM’s email, the RM finally accepted that the card is only FYF. I still haven’t activated the card and considering my options:

I can keep it for the first year and dump it next year if they don’t make it LTF by then.

I can simply NOT activate it and let it get cancelled.

I can keep the card and liquidate my MF holdings with them, effectively saving monies on commission

What say junta?
Click to expand...
I would suggest to cancel the card , as there was a better shot to make it LTF at inception
Also there are no welcome benefits too so keeping it for a year would not make any sense as there is nothing substantial that you can get from FYF
 
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Cardmarvel said:
So after I copied customer care and PNO on RM’s email, the RM finally accepted that the card is only FYF. I still haven’t activated the card and considering my options:

I can keep it for the first year and dump it next year if they don’t make it LTF by then.

I can simply NOT activate it and let it get cancelled.

I can keep the card and liquidate my MF holdings with them, effectively saving monies on commission

What say junta?
Click to expand...
escalate to ombudsman will be converted to LTF i guess
 
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im upgrading from iconia amex LTF to indulge LTF with 1L + gst as joining fee

ill get 1L voucher worth

i think its totally worth, cuz of BMS offer and ED offer and ofcourse indulge is really good looking card
 
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