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.

 

[Juganta]

How did you get both Signature and Mastercard. I called the customer care and they said only one card can be linked to the account. Thus, only one card can be activeI

I have received all 3 Select debit Card in this month Feb'24

Existing DC . Indus Delight
New DC<
1. Indus Visa Signature Select
2. Indus MC World Select
3. Indus Visa Platinum Select,
,
All i got just by calling Cust care.

 

[minhazuddin]

I have received all 3 Select debit Card in this month Feb'24

Existing DC . Indus Delight
New DC<
1. Indus Visa Signature Select
2. Indus MC World Select
3. Indus Visa Platinum Select,
,
All i got just by calling Cust care.

So you hold Select account. May be they allow in Select account but not in Exclusive account

 

[4uziaul]

So you hold Select account. May be they allow in Select account but not in Exclusive account

They allow it in every account.

 

[minhazuddin]

They allow it in every account.

But when I called customer care and asked them for new card, they said only one card can be active in the account. When I said some people have got more than one card in their account then he asked me the account number of those people to verify and inform the bank about the error.

 

[sm9811911]

But when I called customer care and asked them for new card, they said only one card can be active in the account. When I said some people have got more than one card in their account then he asked me the account number of those people to verify and inform the bank about the error.

Try and try till you succeed

 

[Trevorjames]

This has been quite extensively discussed here

Best Way to pay Credit Card Bill

Guys I am redacting this post as I have been asked by the bank for non disclosure as mentioned in TnCs else my account would be suspended. They had asked me to remove this as this violates the TnC related to not getting reward points for CC payments. Here is Indusind Account Referral...

www.technofino.in

Does it does network currency exchange fee when I withdraw from foreign ATMs?

 

[minhazuddin]

I have received all 3 Select debit Card in this month Feb'24

Existing DC . Indus Delight
New DC<
1. Indus Visa Signature Select
2. Indus MC World Select
3. Indus Visa Platinum Select,
,
All i got just by calling Cust care.

Btw, how did you request them for new card. ? What was your statement to be precise

 

[SSV]

Btw, how did you request them for new card. ? What was your statement to be precise

Try at 2am and tell them that when you go overseas you want a back up for the card on a different network.
Don’t tell them that everyone else in the planet has it that’s why I want it too…then everyone including you will be like you …

 

[minhazuddin]

Try at 2am and tell them that when you go overseas you want a back up for the card on a different network.
Don’t tell them that everyone else in the planet has it that’s why I want it too…then everyone including you will be like you …

Thanks for the guerrilla technique.

 

[Juganta]

Btw, how did you request them for new card. ? What was your statement to be precise

If apply option is showing in Indus app you can apply from there also.
And via customer care, Try again and again unless u get 1 knowledgable person on the other side

 

[minhazuddin]

If apply option is showing in Indus app you can apply from there also.
And via customer care, Try again and again unless u get 1 knowledgable person on the other side

Sure. I'll keep trying.

 

[dilbersha]

Yes giving buddy! 👍 Go ahead

P+ charging convenience fee now right?

 

[pinki]

P+ charging convenience fee now right?

Not applicable for below or at max 30k payments!

 

[minhazuddin]

Try at 2am and tell them that when you go overseas you want a back up for the card on a different network.
Don’t tell them that everyone else in the planet has it that’s why I want it too…then everyone including you will be like you …

Today I exactly did the same. Called them late night and narrated false foreign trip plan and asked them for MasterCard variant to have as backup. The guy on other end did not even ask why u need two debit card or stuff like that. He straightforwardly went ahead and applied for the card. Thanks a lot Mr Pioneer @S S V

 

[SSV]

Today I exactly did the same. Called them late night and narrated false foreign trip plan and asked them for MasterCard variant to have as backup. The guy on other end did not even ask why u need two debit card or stuff like that. He straightforwardly went ahead and applied for the card. Thanks a lot Mr Pioneer @S S V

Excellent .. I am glad that you got what you wanted.. Have fun... Enjoy ...

PS: We should alway try to work along with the system.. not against the system there by causing the unwanted friction...

 

[rojajimmy]

Ok guys. I have had the Exclusive account for almost 4 years too and of course they would just say its 1 card per account, but today a while back on the 2nd call, the request was taken for a Visa Signature Select (I have World MC Embossed and Titatnium which they call the default card)
I got the World MC Embossed earlier on after reading about the Reward points on CC bill payments probably some 1 year ago or so and today they have taken the request for Visa one. Now instead of Titanium I need to get a 3rd premium one where I get 1050 INR on all 3 cards every month.

 

[waveparticle1729]

Anyone got rewards on recent ccpay transactions on Paytm? There are reports on the other forum that points are not being credited.

 

[SSV]

Anyone got rewards on recent ccpay transactions on Paytm? There are reports on the other forum that points are not being credited.

Yes , not credited for me for the transaction done about 15vdays ago on my Visa exclusive

 

[nitin040]

i got rewards on 5th mar for visa platinum payment done through paytm on 28th feb

 

[Juganta]

For Spends of Feb month
RP Credited on March,
What should i consider this RP for March or Feb?
Will i get again 3000 RP for March spends?