Best Way To Pay Credit Card Bills: More Information on IndusInd Exclusive Debit Cards

[seekndestroy99]

IndusInd Exclusive Account offers a free "IndusInd Exclusive Signature" Debit Card. Maximum cashback earned in a calendar month is ₹ 1050 statement credit at 0.93%.
Not many are aware that we can get 2 more debit cards issued for free in the same Exclusive Account, which would have their own separate cashback capping.

The variants are:

• Mastercard World Embossed
• Visa Platinum
  As per https://www.indusind.com/in/en/personal/Indus-Rewards-program.html, the Maximum Reward Point which can be earned in Mastercard World is 3000 (same as Exclusive Signature), but Platinum is 2000.

To get the additional debit cards, drop a mail to exclusive@indusind.com if you are an Exclusive Account Holder.

At ₹ 0.35 for a point for cash redemption, this amounts to a total of ₹ 1050 + ₹ 1050 + ₹ 700 = ₹ 2800 of cashback a month.



The cashback calculation could be a bit difficult to track and understand which is mentioned on this page:

Indus Rewards Debit Card Program - IndusInd Bank

Read all the important terms and conditions before applying for IndusInd Bank’s Debit Card. Click here and read all about IndusRewards Program here.

www.indusind.com

Hence, I calculated this in Excel, which makes it a bit easier to understand and track. Just to clarify, you can do any transaction value through the card (no minimum value). It all gets added to the spends. Then, as per your total spends, the points would be calculated at the end of the month. The debit points reflecting in your account would keep on changing in real time though.

Cumulative Amount	Points	Cumulative	Value of Points	Cumulative	Percent Savings per block	Cumulative % Savings
5000	50	50	17.5	17.5	0.35	0.35
10000	75	125	26.25	43.75	0.53	0.44
20000	200	325	70	113.75	0.70	0.57
30000	250	575	87.5	201.25	0.88	0.67
40000	250	825	87.5	288.75	0.88	0.72
50000	300	1125	105	393.75	1.05	0.79
60000	300	1425	105	498.75	1.05	0.83
70000	300	1725	105	603.75	1.05	0.86
80000	300	2025	105	708.75	1.05	0.89
90000	300	2325	105	813.75	1.05	0.90
100000	300	2625	105	918.75	1.05	0.92
112500	375	3000	131.25	1050	1.05	0.93
TOTAL	3000		1050

If there are any discrepancies or corrections, please let me know.

 

[4uziaul]

I just got my debit card and since it’s says cumulative I had one doubt suppose if I do one single transaction of 112500 will I get 3000 points or just 375 points ?

3000 points.

 

[hks789]

I upgraded my partner account to exclusive account 2 months back. Now I have old partner visa signature card with exclusive visa and mc cards. All are active as well.
Do we need to raise a request to close the old visa signature card?

 

[ARV]

I upgraded my partner account to exclusive account 2 months back. Now I have old partner visa signature card with exclusive visa and mc cards. All are active as well.
Do we need to raise a request to close the old visa signature card?

Could you please share how you upgraded, i also have partner account. Want to upgrade.

 

[hks789]

Could you please share how you upgraded, i also have partner account. Want to upgrade.

It was done through my RM, also opened new addon accounts.

If you have existing partner account with zero mab special waiver condition, you won't have that in Exclusive.

To make mab waiver on Exclusive you will need to link a pinnacle card or any other condition as per sob

 

[4uziaul]

Could you please share how you upgraded, i also have partner account. Want to upgrade.

Just go to your nearest branch and request them to upgrade your account.

 

[CARDBITRAGE]

How did you guys get multiple DCs on your exclusive account? I called IndusInd CC and was told I should close my existing card to process the request. I called customer care twice now, but the same person is picking up my call. Now what do I do?

 

[4uziaul]

How did you guys get multiple DCs on your exclusive account? I called IndusInd CC and was told I should close my existing card to process the request. I called customer care twice now, but the same person is picking up my call. Now what do I do?

Apply MasterCard from branch and Visa from the app.

 

[lucifer]

How did you guys get multiple DCs on your exclusive account? I called IndusInd CC and was told I should close my existing card to process the request. I called customer care twice now, but the same person is picking up my call. Now what do I do?

menu>apply>debit card

 

[CARDBITRAGE]

Apply MasterCard from branch and Visa from the app.

I won't be able to visit the branch as I'm not in town. Can I ask them to issue MC variant by blocking visa and then reapply for visa on the app?

 

[4uziaul]

I won't be able to visit the branch as I'm not in town. Can I ask them to issue MC variant by blocking visa and then reapply for visa on the app?

You don't even have to visit your branch; simply call your RM and ask them to take the request over the phone. Once they generate the request, an OTP will be sent to your registered device. Share the OTP with your RM, and that's it. I didn't even have to visit my branch to apply for any cards, including those for my family members.

 

[Pankhuri]

You don't even have to visit your branch; simply call your RM and ask them to take the request over the phone. Once they generate the request, an OTP will be sent to your registered device. Share the OTP with your RM, and that's it. I didn't even have to visit my branch to apply for any cards, including those for my family members.

What documents do indus check to determine relationship? Want to open an account for my cousin and then link it to my account under sibling. Would that work?

 

[4uziaul]

What documents do indus check to determine relationship? Want to open an account for my cousin and then link it to my account under sibling. Would that work?

Nothing 😂

 

[Pankhuri]

Nothing 😂

So should I open a basic savings account, add it to family and it would be converted to 0 mab select account or should I first open a select account with 50k funding and then link it as family account?

Also if I link their account as family, will it increase their chance of getting a legend credit card from bank?

 

[4uziaul]

So should I open a basic savings account, add it to family and it would be converted to 0 mab select account or should I first open a select account with 50k funding and then link it as family account?

Also if I link their account as family, will it increase their chance of getting a legend credit card from bank?

You can't avoid the funding aspect unless you have a good relationship with your bank or manage to fool them. It's advisable to open the account offline, fund it, and then link your family members to that account.

 

[Ravana_88]

Is this card better or the RBL signature + ?

 

[4uziaul]

Is this card better or the RBL signature + ?

Obviously RBL Signature+

 

[docmaniac]

IndusInd Exclusive Account offers a free "IndusInd Exclusive Signature" Debit Card. Maximum cashback earned in a calendar month is ₹ 1050 statement credit at 0.93%.
Not many are aware that we can get 2 more debit cards issued for free in the same Exclusive Account, which would have their own separate cashback capping.

The variants are:

• Mastercard World Embossed
• Visa Platinum
  As per https://www.indusind.com/in/en/personal/Indus-Rewards-program.html, the Maximum Reward Point which can be earned in Mastercard World is 3000 (same as Exclusive Signature), but Platinum is 2000.

To get the additional debit cards, drop a mail to exclusive@indusind.com if you are an Exclusive Account Holder.

At ₹ 0.35 for a point for cash redemption, this amounts to a total of ₹ 1050 + ₹ 1050 + ₹ 700 = ₹ 2800 of cashback a month.



The cashback calculation could be a bit difficult to track and understand which is mentioned on this page:

Indus Rewards Debit Card Program - IndusInd Bank

Read all the important terms and conditions before applying for IndusInd Bank’s Debit Card. Click here and read all about IndusRewards Program here.

www.indusind.com

Hence, I calculated this in Excel, which makes it a bit easier to understand and track. Just to clarify, you can do any transaction value through the card (no minimum value). It all gets added to the spends. Then, as per your total spends, the points would be calculated at the end of the month. The debit points reflecting in your account would keep on changing in real time though.

Cumulative Amount	Points	Cumulative	Value of Points	Cumulative	Percent Savings per block	Cumulative % Savings
5000	50	50	17.5	17.5	0.35	0.35
10000	75	125	26.25	43.75	0.53	0.44
20000	200	325	70	113.75	0.70	0.57
30000	250	575	87.5	201.25	0.88	0.67
40000	250	825	87.5	288.75	0.88	0.72
50000	300	1125	105	393.75	1.05	0.79
60000	300	1425	105	498.75	1.05	0.83
70000	300	1725	105	603.75	1.05	0.86
80000	300	2025	105	708.75	1.05	0.89
90000	300	2325	105	813.75	1.05	0.90
100000	300	2625	105	918.75	1.05	0.92
112500	375	3000	131.25	1050	1.05	0.93
TOTAL	3000		1050

If there are any discrepancies or corrections, please let me know.

What about Platinum debit card, to get 700 rupees cashback how much shall we spent??

 

[rishabk27775]

What about Platinum debit card, to get 700 rupees cashback how much shall we spent??

Please someone tell how much to spend

 

[Oscar]

Please someone tell how much to spend

If you are asking about HDFC Platinum debit cards, you get 1% on spends upto 750/month which amounts to 75K.

 

[sequoia]

Indus Signature card cc bill txn failing in Paytm since last week. Any solution or any other app giving rewards for Indus?