Yes Bank Grandeur Account

[theflash]

you got marquee by opening a bank account? let me know how i’m interested

Y e s

 

[hellobois]

Y e s

Paid or LTF?

 

[LHR]

Y e s

how long did it take for them to issue the card? share the specifics please

 

[theflash]

Paid or LTF?

It's paid to everyone afaik

 

[theflash]

how long did it take for them to issue the card? share the specifics please

Account opened on 10th June

Applied on 11/12th
Application number received on 18th
Card approved on 24/25th

 

[LHR]

Account opened on 10th June

Applied on 11/12th
Application number received on 18th
Card approved on 24/25th

how long did it take for the card to get to you?

 

[hellobois]

It's paid to everyone afaik

I see the reward rate is not that much. What's the USP of this card? Fee is also on the higher side.

 

[theflash]

I see the reward rate is not that much. What's the USP of this card? Fee is also on the higher side.

I got it when they gave 60k points so FY fee compensated already.

I took for unlimited lounge for primary and add-on

 

[theflash]

how long did it take for the card to get to you?

Not sure maybe 3-5 days..

 

[LHR]

Not sure maybe 3-5 days..

are you still with the 50k limit? do they increase limit if you give them card statements with a higher limit?

 

[Grandeur]

Do we get downgrade intimation?

Is it possible to group family members account to my grandeur and keep until the downgrade notice and then close all?

Intimation is given but specific date is not mentioned in intimation.

Grouping of existing account depends upon the account variants you are holding.

 

[theflash]

are you still with the 50k limit?

Yes

do they increase limit if you give them card statements with a higher limit?

Not received any info yet. I want to try though.

 

[theflash]

Intimation is given but specific date is not mentioned in intimation.

Grouping of existing account depends upon the account variants you are holding.

I have Grandeur and family members have Savings Pro. So that's the reason. Although I'll do one thing will add 10k maybe and get their accounts linked.

If no dates mentioned in intimation then will do one thing will close as soon as I get intimation...

Do you suggest anything else? I don't want to pay closure charges. But it doesn't seem worthy keeping the account open as well I just opened for Marquee CC + Add-on so...

 

[techprince]

when you have that sort of money ready to put in as FD , I am just thinking what other value we can extract from this apart from Interst on FD.

Are you looking for any other benefit that will be useful for you in addtion to Interst income on the FD from your future banker?

From this below table( highest rates on FD ), you can consider " AU small finance bank , YES bank and IndusInd for your FD investment and still try to get some other additional benefit..



View attachment 70468

https://www.paisabazaar.com/fixed-deposit/scheduled-banks-fd-interest-rates/

Why not RBL?

 

[SSV]

Why not RBL?

RBL is also okay just for deposit purposes, but you won't get any other benefits like a good CC with this kind of relationship

 

[techprince]

RBL is also okay just for deposit purposes, but you won't get any other benefits like a good CC with this kind of relationship

Lets say i am only interested in LTF cards as my expenses are low. Out of RBL/Yes/AU, which bank offers LTF cards based on relationship?

 

[SSV]

Lets say i am only interested in LTF cards as my expenses are low. Out of RBL/Yes/AU, which bank offers LTF cards based on relationship?

RBL CCs even if given LTF are waste.
So try for either Yes/ AU. Probably AU LIT card is better for your needs .
Go and research on that card..
Not sure which bank offers ltf cards based the relationship as I don't have relationship with any of those.
But my gut feel is AU is better choice for you

 

[techprince]

RBL CCs even if given LTF are waste.
So try for either Yes/ AU. Probably AU LIT card is better for your needs .
Go and research on that card..
Not sure which bank offers ltf cards based the relationship as I don't have relationship with any of those.
But my gut feel is AU is better choice for you

Yes. AU already rejected my application for Xcite Ultra. So made an account for pre-approved cc. Yes bank offered me rewards card 🤣 so i made an account there as well.

Thanks!

 

[LHR]

Intimation is given but specific date is not mentioned in intimation.

Grouping of existing account depends upon the account variants you are holding.

whats the process and timeline for upgrading the initial 50k limit on the card without any income documents?

 

[Grandeur]

whats the process and timeline for upgrading the initial 50k limit on the card without any income documents?

There are other ways also available to get the higher limit apart from account basis like CIBIL, C2C, etc. This process is available at the same time while applying for the credit card.