Indulging with Indus Exclusively :)

[anirban.choudhury]

Good Day Everyone,

This post is about my journey with IndusInd , this will be a little different post than the ICICI one as I will not be discussing about the fees plan associated with my card instead this post will mostly be related to my journey with IndusInd. So back in Oct 2022 , I applied for IndusInd Legend card through their online channel and was approved with a limit of 9 lakhs , however when I received my card the limit given was 5 lakhs , within 20 days of using my card I received a message that my card limit has been enhanced to 9 lakhs . Fast forward March 2023, I took an upgrade from Legend to Indulge credit card. Post that I came to know as per the SOB of exclusive savings account , one can maintain an exclusive account with 0 fund if an Indulge/Pinnacle credit card can be linked to account as surrogate . Till this time I had no banking relation with IndusInd , so I had to 2 options either open a basic 0 MAB account with IndusInd online and then get that upgraded to Exclusive account from branch or to directly open a Exclusive account online
I am not a fan of HNI banking and also as per principle I never open a account with huge IP just for credit card . So point 1 seems more feasible to me , I went ahead and opened a 0 MAB account online and got a virtual DC and a physical Titanium DC charged 249 Rs. Post completing my VKYC , I visited IndusInd branch and submitted the upgrade form to upgrade my account to Exclusive , the upgrade was processed in 7 days as 3 days were taken for approval as my account didn’t had the minimal balance required for Exclusive account . Post the upgrade I received my welcome kit which had a visa signature DC , also just when my account got upgraded I raised a request through phone banking to give a MC Exclusive DC as well , so I received both my Visa and MC DC .
P.S - I also tried to get Pioneer World Heritage Credit Card but that request was denied as I don’t have any Pioneer relation with Indus Ind
IndusInd gives 5 add-on cards so I took all 5 for my family members, Indulge add-on also gets unlimited lounge access through PP
Below is a picture of my current portfolio with IndusInd

Cheers

 

[saurabh0412]

Hey Guys

Can I hold both DCs, Visa Signature and MasterCard World with IndusInd Exclusive or Select A/C?
I heard that if we issue a Second DC, the First DC shall be automatically ceased within 45 days, is it how it works?

 

[shutapdiya]

Hey Guys

Can I hold both DCs, Visa Signature and MasterCard World with IndusInd Exclusive or Select A/C?
I heard that if we issue a Second DC, the First DC shall be automatically ceased within 45 days, is it how it works?

Yes, you can hold all 4 DCs with this account
Nothing happens after 45 days, people here are using all 4 since more than a year, myself holding it from 6 months

 

[abhiver]

Hey Guys

Can I hold both DCs, Visa Signature and MasterCard World with IndusInd Exclusive or Select A/C?
I heard that if we issue a Second DC, the First DC shall be automatically ceased within 45 days, is it how it works?

Yes you can use both. But reward are given separately

 

[Cc_creditguy]

Good Day Everyone,

This post is about my journey with IndusInd , this will be a little different post than the ICICI one as I will not be discussing about the fees plan associated with my card instead this post will mostly be related to my journey with IndusInd. So back in Oct 2022 , I applied for IndusInd Legend card through their online channel and was approved with a limit of 9 lakhs , however when I received my card the limit given was 5 lakhs , within 20 days of using my card I received a message that my card limit has been enhanced to 9 lakhs . Fast forward March 2023, I took an upgrade from Legend to Indulge credit card. Post that I came to know as per the SOB of exclusive savings account , one can maintain an exclusive account with 0 fund if an Indulge/Pinnacle credit card can be linked to account as surrogate . Till this time I had no banking relation with IndusInd , so I had to 2 options either open a basic 0 MAB account with IndusInd online and then get that upgraded to Exclusive account from branch or to directly open a Exclusive account online
I am not a fan of HNI banking and also as per principle I never open a account with huge IP just for credit card . So point 1 seems more feasible to me , I went ahead and opened a 0 MAB account online and got a virtual DC and a physical Titanium DC charged 249 Rs. Post completing my VKYC , I visited IndusInd branch and submitted the upgrade form to upgrade my account to Exclusive , the upgrade was processed in 7 days as 3 days were taken for approval as my account didn’t had the minimal balance required for Exclusive account . Post the upgrade I received my welcome kit which had a visa signature DC , also just when my account got upgraded I raised a request through phone banking to give a MC Exclusive DC as well , so I received both my Visa and MC DC .
P.S - I also tried to get Pioneer World Heritage Credit Card but that request was denied as I don’t have any Pioneer relation with Indus Ind
IndusInd gives 5 add-on cards so I took all 5 for my family members, Indulge add-on also gets unlimited lounge access through PP
Below is a picture of my current portfolio with IndusInd

Cheers

Sir do you paid 200000 for a credit card? Coz I'm holding select account in indusind with legend card kind suggest for me a good credit card all I can do Is ip of up to 10l kind suggest me some good card

 

[Deleted member 23535]

how to open select account? How much amount do i need to deposit?
Or how to open basic savings account and convert it to select account?

 

[D7162]

I am not getting points on select or exclusive in mbk or paytm

Anyone else is facing same ?

 

[sm9811911]

I am not getting points on select or exclusive in mbk or paytm

Anyone else is facing same ?

See discussion on the other thread.

 

[Deleted member 23535]

Recently got legend cc

How to redeem rp?
Is there any min rp required to redeem?
Are there Rp redemtion charges?
I heard about twidpay, how to use it?
If i buy in gyftr indusind, then will i get rp?

What is the best way to use this cc?

Tia

 

[4uziaul]

Recently got legend cc

How to redeem rp?

Netbanking or Mobile App through Indus Moments

Is there any min rp required to redeem?

500

Are there Rp redemtion charges?

99+GST

I heard about twidpay, how to use it?

It could be used on a few e-commerce sites like Jio-Mart. You will see the option to pay with Twid Pay.

If i buy in gyftr indusind, then will i get rp?

Yes

What is the best way to use this cc?

Best way is not to use it. 🤣

Tia

Try searching more diligently; many of the questions you've asked have already been answered in this forum.

 

[Deleted member 23535]

Netbanking or Mobile App through Indus Moments

500

99+GST

It could be used on a few e-commerce sites like Jio-Mart. You will see the option to pay with Twid Pay.

Yes

Best way is not to use it. 🤣

Try searching more diligently; many of the questions you've asked have already been answered in this forum.

Best way is not to use it
Iske badle close kardo boliye...😁
Ye better option hai, ab lag raha hai muje aisa...

 

[4uziaul]

Best way is not to use it
Iske badle close kardo boliye...😁
Ye better option hai, ab lag raha hai muje aisa...

Legend lene ka sirf ek hi reason hai 🤣

Select account 😁

 

[Deleted member 23535]

Legend lene ka sirf ek hi reason hai 🤣

Select account 😁

Yeah, select account ke liye apply kiya, baad me pata chala, 50k chahiye 😔

 

[4uziaul]

Yeah, select account ke liye apply kiya, baad me pata chala, 50k chahiye 😔

One-time hai account opening ke baad withdraw 😄

 

[Deleted member 23535]

One-time hai account opening ke baad withdraw 😄

Hmm. 1 guy told me about that,
But 50 k huge hai mere liye, arrange karna mushkil hai, isliye searching 4 other ways to save using this cc

 

[Deleted member 23535]

One-time hai account opening ke baad withdraw 😄

You said 99+gst is there for rp redemtion
for twidpay redemtion also?

 

[4uziaul]

You said 99+gst is there for rp redemtion
for twidpay redemtion also?

N o o 😁

 

[Deleted member 23535]

N o o 😁

Thank you

N o o 😁

I tried to use twidpay to use fk coins in jiomart
But it's not coming, i mean i am able to see fk coins in twidpay website.
Can't we use fk coins?
Any restrictions?
What is the best way of fk coins to use

@NShah

 

[4uziaul]

Thank you

I tried to use twidpay to use fk coins in jiomart
But it's not coming, i mean i am able to see fk coins in twidpay website.
Can't we use fk coins?
Any restrictions?
What is the best way of fk coins to use

@NShah

On the final payment page of Tiwdpay, are you able to see FK coins? If not, is your Flipkart account registered with the same number that you used in Jio Mart?

 

[Deleted member 23535]

On the final payment page of Tiwdpay, are you able to see FK coins? If not, is your Flipkart account registered with the same number that you used in Jio Mart?

Same number, not able to see

 

[4uziaul]

Same number, not able to see

Probably not linked. Can't do anything.