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Absolutely yes!! Do not pay 1.8L fee + GST for such a stupid card. Best is at 90K + GST with Oberoi/Yatra vouchers.

Indulge if LTF or else Pinnacle

And yes for credit card you can go for Pinnacle or Indulge which makes Exclusive account 0 AMB

Exclusive DC gives cashback on card bill payments just like HDFC Platinum, so Exclusive account is the second best after Pioneer 👍

Yes you are right, but it depends on the person and the branch as well. Also, even after having funds some branches do not agree to open a Pioneer account and even if someone is thinking about negotiating for heritage metal before account opening, they don't know that opening the account itself...

Can you please share exactly how you negotiated for CL increase? Like can we just quote a number and they accept it? And how do I approach my RM for this thing and what do I say to him? I too upgraded from Legend (DEC22) to CV explorer and have a CL of 2.5L

What was the age and variant of your card when you received first limit enhancement? Also, how is your RM helping you for increasing credit limit? Did you provide any income documents? If you can share some way in which this is happening, I can request my RM too. TIA :)

Yes they won't downgrade the account, and under slightest chance if it does happen they would still offer a good account such as Exclusive or Grandè. Also, for the vouchers part if you are okay with Yatra vouchers, please read all T&C carefully. Things such as 6 month validity and one time usage...

CC executives are the most useless creatures and personally, I feel contacting a branch that has knowledge + authority works the best. This is because CC people have to look after hundreds of customers from different states every day, but when you approach through a branch/rm they can connect...

Which branch are you connected with? I opened my account in Lower Parel Pioneer Branch and kept my nearest branch as home branch. I get all assistance from Pioneer branch only and my RM is also from that branch.

This will only happen when RM/Branch is not knowledgeable or doesn't care about customer's requirement. If you actually find a helpful RM things become easier. Even I feel now they're 100× strict about not giving Heritage Metal for free and vouchers are the best that they can do.

Yes you can get metal debit cards for all accounts linked as family. As you have sufficient credit limit for Heritage metal, surely apply for it but yes non-essential gift vouchers or oberoi is the best they can do. Maybe you can negotiate with them by giving higher value deposit for account...

Okay so for opening Pioneer account you need to give initial cheque for 10L and only after the cheque is cleared, your account will be unfreezed as per IndusInd policy. There is no need to maintain any amount in your account as it's a no fee account, only the risk is of downgrading which is very...

How old was your Pinnacle and after how many months of upgrading you received this offer?