Help me choose from IndusInd pre-approved credit card options!

[romilq]

Platinum Aura Edge, Platinum, Nexxt and Duo credit cards are available for me lifetime free. Which one to choose ? Help someone!

 

[gowthamv]

I'm in a confused situation whether to take a Legend Card or not. Offered as LTF to me. I went up to the step of V-KYC, but I exited the application at the V-KYC pending state.

Is it worthy to take a Legend CC if I have no plans of opening a Select Account with Zero AMB?

The cards I hold are basic level only. (Axis Myzone, Axis FK, Axis IndianOil, ICICI APay, PNB Rupay Select, HDFC Neu Plus - All LTF)

Considering the above cards, I don't see anything special with IndusInd Legend.

Should I take a Legend Card or ignore it?

 

[4uziaul]

I'm in a confused situation whether to take a Legend Card or not. Offered as LTF to me. I went up to the step of V-KYC, but I exited the application at the V-KYC pending state.

Is it worthy to take a Legend CC if I have no plans of opening a Select Account with Zero AMB?

The cards I hold are basic level only. (Axis Myzone, Axis FK, Axis IndianOil, ICICI APay, PNB Rupay Select, HDFC Neu Plus - All LTF)

Considering the above cards, I don't see anything special with IndusInd Legend.

Should I take a Legend Card or ignore it?

If you do not wish to open a Select account, you can simply ignore it.

 

[Ranger]

I initially opened a Zero Balance account based on the information provided by the bank employee. However, I later discovered that it actually required a MAB of 10k. 😂 During the initial days, I maintained some funds in the account. But when I tried to add more funds, I was informed that my KYC was not completed and that I needed to go through the process again. This restriction prevented me from adding more funds, which made me quite angry. Consequently, I stopped using the account, and there were no funds in it. In fact, if I had deposited anything, they would have debited my account. Surprisingly, after some time, I received a pre-approved credit card offer from them. 🤣

After how many months did u receive the offer?

 

[4uziaul]

After how many months did u receive the offer?

Probably after 6-7 months, but I can assure you that I didn't maintain any balance.

 

[AritraSaha]

Platinum Aura Edge, Platinum, Nexxt and Duo credit cards are available for me lifetime free. Which one to choose ? Help someone!

After how many months? And have you done regular transfer, maintain good balance?

 

[romilq]

After how many months? And have you done regular transfer, maintain good balance?

After 6-7 months. No balance maintained. But did 6-7 lakhs worth of debit card transactions. Otherwise MAB was 2-3k only every month.

 

[another]

I'm in a confused situation whether to take a Legend Card or not. Offered as LTF to me. I went up to the step of V-KYC, but I exited the application at the V-KYC pending state.

Is it worthy to take a Legend CC if I have no plans of opening a Select Account with Zero AMB?

The cards I hold are basic level only. (Axis Myzone, Axis FK, Axis IndianOil, ICICI APay, PNB Rupay Select, HDFC Neu Plus - All LTF)

Considering the above cards, I don't see anything special with IndusInd Legend.

Should I take a Legend Card or ignore it?

My PNB Platinum CC has decent limit. My home loan of about 70L is with them. Still they denied me upgrade from PNB platinum to Select.

Did you pay PNB Select joining fee? or got without joining fee?

 

[jack333]

My PNB Platinum CC has decent limit. My home loan of about 70L is with them. Still they denied me upgrade from PNB platinum to Select.

Did you pay PNB Select joining fee? or got without joining fee?

You've posted in wrong thread. Though some people have mentioned they were able to get Pnb rupay select as unconditional LTF on applying through branch

 

[DarthYoda]

Probably after 6-7 months, but I can assure you that I didn't maintain any balance.

I opened indusind delights account in September'23 and from last 10 days i am continuously getting calls for indusIND credit card with limit 40k, but i can't see it in my account any pre approved offer, agent is saying that only he can see offer and if i want to see it then i can log in into indusind easycredit.
Does login into indusind easycredit will hit CIBIL?

 

[romilq]

I opened indusind delights account in September'23 and from last 10 days i am continuously getting calls for indusIND credit card with limit 40k, but i can't see it in my account any pre approved offer, agent is saying that only he can see offer and if i want to see it then i can log in into indusind easycredit.
Does login into indusind easycredit will hit CIBIL?

No. Login won't hit CIBIL. Only if you submit application.

 

[4uziaul]

I opened indusind delights account in September'23 and from last 10 days i am continuously getting calls for indusIND credit card with limit 40k, but i can't see it in my account any pre approved offer, agent is saying that only he can see offer and if i want to see it then i can log in into indusind easycredit.
Does login into indusind easycredit will hit CIBIL?

Sorry, I can't recollect as this happened more than 2-3 years ago. However, I received similar calls, and I just had to provide consent over the phone; I didn't have to share any documents. Alternatively, you can also ask them to send you the details of the pre-approved credit card offer to your email.

 

[DarthYoda]

No. Login won't hit CIBIL. Only if you submit application.

Did you get it by this way only?

 

[DarthYoda]

Sorry, I can't recollect as this happened more than 2-3 years ago. However, I received similar calls, and I just had to provide consent over the phone; I didn't have to share any documents. Alternatively, you can also ask them to send you the details of the pre-approved credit card offer to your email.

Its strange that just within 1month indusind gave me pre approved but no Emails from axis which i want😅
Yeah will ask the same tomorrow.

 

[romilq]

Did you get it by this way only?

Yes I got it through EasyCredit portal. I logged in and logged out many times before finally completing my research and choosing card. I too got 40k limit only.

 

[DarthYoda]

Yes I got it through EasyCredit portal. I logged in and logged out many times before finally completing my research and choosing card. I too got 40k limit only.

Same I'm getting aura, platinum and next card.
Which card did u selected, did you tried for upgrade to legend cc and how many months elapsed since u get the credit card.
Did u get any LE?
TIA

 

[romilq]

Same I'm getting aura, platinum and next card.
Which card did u selected, did you tried for upgrade to legend cc and how many months elapsed since u get the credit card.
Did u get any LE?
TIA

I got Aura, Platinum, Duo and Nexxt. First 3 were LTF and Nexxt came with 2.5k joining fee only, no annual fee. I chose Duo as I was using IndusInd account so wanted both debit and credit account in same card. It was issued instantly on submitting application. The card didn't arrive in 2 weeks. So I called them and they said that Delite account is not eligible for Duo card as it is online opened account. So they will have to cancel card and I can apply again with a fresh application after few months. I asked them to change variant to other cards that were offered. They denied that too. BTW I had already started using the card since virtual card is available instantly. I escalated to level 3, then MD/CEO. All said same copy-paste reply that it will have to be cancelled. By now two months had passed and card started showing in my CIBIL, not to mention the CIBIL inquiry that showed up instantly on approval. Fir RBI ka danda pada IndusInd ki G**** pe. They changed my variant to Nexxt LTF with no joining fee. Also it has been 6 months now. No LE. I have heard IndusInd rarely gives LE that too of a few thousands only.

 

[DarthYoda]

I got Aura, Platinum, Duo and Nexxt. First 3 were LTF and Nexxt came with 2.5k joining fee only, no annual fee. I chose Duo as I was using IndusInd account so wanted both debit and credit account in same card. It was issued instantly on submitting application. The card didn't arrive in 2 weeks. So I called them and they said that Delite account is not eligible for Duo card as it is online opened account. So they will have to cancel card and I can apply again with a fresh application after few months. I asked them to change variant to other cards that were offered. They denied that too. BTW I had already started using the card since virtual card is available instantly. I escalated to level 3, then MD/CEO. All said same copy-paste reply that it will have to be cancelled. By now two months had passed and card started showing in my CIBIL, not to mention the CIBIL inquiry that showed up instantly on approval. Fir RBI ka danda pada IndusInd ki G**** pe. They changed my variant to Nexxt LTF with no joining fee. Also it has been 6 months now. No LE. I have heard IndusInd rarely gives LE that too of a few thousands only.

First of all thanks for the detailed answer.
I think i should wait for this offer to refresh, maybe indusind provide me with Legend.
Can someone shed some light if indusind provide better offers like hdfc if we don't accept initial offers?
Btw, why didn't u tried for card upgrade as someone pointed out in this thread we can request for Card upgrade after 6months.

 

[CARDBITRAGE]

we can request for Card upgrade after 6months.

You can request a card upgrade with IndusInd right after receiving the card. In fact, I was asking for an upgrade even before the activation of my card and they were happy to do it.

 

[romilq]

First of all thanks for the detailed answer.
I think i should wait for this offer to refresh, maybe indusind provide me with Legend.
Can someone shed some light if indusind provide better offers like hdfc if we don't accept initial offers?
Btw, why didn't u tried for card upgrade as someone pointed out in this thread we can request for Card upgrade after 6months.

I am rarely using it. I have better cards right now. So keeping IndusInd only for bank offers.

 

[DarthYoda]

You can request a card upgrade with IndusInd right after receiving the card. In fact, I was asking for an upgrade even before the activation of my card and they were happy to do it.

Which card and what limit you were provided in pre approved offer and in which card you finally upgraded?