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

 

[Cc_creditguy]

Could you elaborate the detailed process of making Indus select account 0 AMB ? I have recently opened select account with legend card already available. How to verify if the account has been confirmed 0 AMB??

Just mail them

 

[4uziaul]

Could you elaborate the detailed process of making Indus select account 0 AMB ? I have recently opened select account with legend card already available. How to verify if the account has been confirmed 0 AMB??

The answer is above your post. 😁

 

[deepakshrm898]

Just link your credit card to your SB account through indus mobile app , once done visit nearest branch and ask them to upgrade account to Select
Nothing else needs to be done
Just for confirmation once you have upgraded the account send a mail to
reachus@indus and ask as you have added Legend card as surrogate product so whether or not your select account has been converted to 0 MAB
They would confirm on mail

What's the process for credit card user to link savings account on Indusmobile app?

 

[deepakshrm898]

I mean which user ID to use for Indusmobile app for credit card user who has recently opened account with bank??

 

[4uziaul]

I mean which user ID to use for Indusmobile app for credit card user who has recently opened account with bank??

Try this:

Post in thread 'Best Way to pay Credit Card Bill 0.93%- 1% reward (IndusInd- 0.93% and HDFC- 1%) Debit Card' https://www.technofino.in/community...d-0-93-and-hdfc-1-debit-card.4373/post-340335

 

[deepakshrm898]

Try this:

Post in thread 'Best Way to pay Credit Card Bill 0.93%- 1% reward (IndusInd- 0.93% and HDFC- 1%) Debit Card' https://www.technofino.in/community...d-0-93-and-hdfc-1-debit-card.4373/post-340335

Thank you for the assistance

 

[Superman]

Apply from IndusInd mobile app.

How to apply from mobile app?

I have Exclusive account with Visa Signature debit card and want to get MC world debit card as well.

When I search "debit card" in the search bar of the app it shows "Get a new ATM/Debit Card" option. It's showing only 3 type of cards to apply.
1. Visa Gold Digi Card
2. Signature Exclusive
3. Platinum Exclusive

Why it shows only VISA cards and not a MC card even though I already have VISA Signature card?

 

[4uziaul]

How to apply from mobile app?

I have Exclusive account with Visa Signature debit card and want to get MC world debit card as well.

When I search "debit card" in the search bar of the app it shows "Get a new ATM/Debit Card" option. It's showing only 3 type of cards to apply.
1. Visa Gold Digi Card
2. Signature Exclusive
3. Platinum Exclusive

Why it shows only VISA cards and not a MC card even though I already have VISA Signature card?

Apply through your RM.

 

[Superman]

Apply through your RM.

RM and BM pushing for ULIPs and other products everytime I interact with them which is why I wanted to try via mobile app.

Is there no other way than to talk to RM/CC ?

 

[4uziaul]

RM and BM pushing for ULIPs and other products everytime I interact with them which is why I wanted to try via mobile app.

Is there no other way than to talk to RM/CC ?

Then the only way is customer care. Keep trying until you connect with the right agent.

 

[Superman]

Then the only way is customer care. Keep trying until you connect with the right agent.

Got it, Thanks

 

[zoom.wale.bhaiya]

I already have indusind legend cr card & today visited the branch to open select account with 50k deposit so that later on convert it to 0 AMB by linking legend cr card under same cust ID however bank guy was giving me on the spot insta kit to open select account and says once account is active he will place request to send the select account welcome kit with personalised debit card via post. Is this how it works in indusind branch. I told them i don't want insta kit and send the welcome kit directly via post but they denied and said for them to process on their system I have to take insta kit...is this true. Should i proceeed with insta kit and then place request to send the welcome kit with MC debit card or visa DC. Please help.. thanks

 

[Superman]

I already have indusind legend cr card & today visited the branch to open select account with 50k deposit so that later on convert it to 0 AMB by linking legend cr card under same cust ID however bank guy was giving me on the spot insta kit to open select account and says once account is active he will place request to send the select account welcome kit with personalised debit card via post. Is this how it works in indusind branch. I told them i don't want insta kit and send the welcome kit directly via post but they denied and said for them to process on their system I have to take insta kit...is this true. Should i proceeed with insta kit and then place request to send the welcome kit with MC debit card or visa DC. Please help.. thanks

I did the similar thing a couple of months back, got Pinnacle card first through branch and as soon as card was approved BM visited my house to open Exclusive account. No insta kit was given to me, received personalised debit card and welcome kit 4-5 days later by courier.

 

[zoom.wale.bhaiya]

I did the similar thing a couple of months back, got Pinnacle card first through branch and as soon as card was approved BM visited my house to open Exclusive account. No insta kit was given to me, received personalised debit card and welcome kit 4-5 days later by courier.

Yeah that's what i thought but it seems this indusind branch near me informs me that for every customer we always give instant insta kit & then later on can place request to get the welcome as per the account variant with personalised DC..I m just little hesitant & confused to take instant insta kit however bank insist that's the only way to process on their mediocre banking system... should i go ahead with instakit then?

 

[Superman]

Yeah that's what i thought but it seems this indusind branch near me informs me that for every customer we always give instant insta kit & then later on can place request to get the welcome as per the account variant with personalised DC..I m just little hesitant & confused to take instant insta kit however bank insist that's the only way to process on their mediocre banking system... should i go ahead with instakit then?

I had opened ICICI wealth account as well few months back and I had received instant kit immediately and later received the wealth management kit within a week.

Wouldn't harm taking the insta kit now but definitely reach out to branch/CC if you don't receive personalised kit within a week.

 

[Sunil R]

Yes .
All Four.

how do have 4 DC.?? which savings account do you hold? and variants those 4 cards
can you please DM if dont want to share it her

myself: legend + select variant

 

[4uziaul]

how do have 4 DC.?? which savings account do you hold? and variants those 4 cards
can you please DM if dont want to share it her

myself: legend + select variant

All the answers are in this thread, and he answered a similar question you are asking now.


Select Visa Signature
Select World MasterCard
Platinum Visa
Titanium

 

[denisjos]

I have a exclusive account, after reading about multiple dc option recently I reached out to the customer care. I don't have an RM yet as the account was recently opened.
All of them denied the option to have multi DC's. I tried 5 times and couple of them kept me on hold before informing me of the same so I think this is the general direction they are getting from their head of operations.
I then went to the bank in person and talked to the dy. Manager who was open to the idea but he did ask me the reason why I wanted 2 DC's. Also his colleagues discouraged him from applying but he just rotated the monitor towards me and asked to select the card.
So we can expect a rewamp in their dc rewards soon. They may link it to the user id rather than the card number.

 

[hackymanoj]

I have a exclusive account, after reading about multiple dc option recently I reached out to the customer care. I don't have an RM yet as the account was recently opened.
All of them denied the option to have multi DC's. I tried 5 times and couple of them kept me on hold before informing me of the same so I think this is the general direction they are getting from their head of operations.
I then went to the bank in person and talked to the dy. Manager who was open to the idea but he did ask me the reason why I wanted 2 DC's. Also his colleagues discouraged him from applying but he just rotated the monitor towards me and asked to select the card.
So we can expect a rewamp in their dc rewards soon. They may link it to the user id rather than the card number.

In my opinion, you shouldn't have told the BM or Customer care that people are holding multiple dc's. There are multiple ways to get these DCs without the need of customer care. You can easily apply from the app. If someone denied you Master card you can ask them to apply Master closing the Visa, because other cards can easily be applied from your Indusind app. Again making them know that people are multiple debit cards might trigger the audit process and we will lose the benefits

 

[Cc_creditguy]

In my opinion, you shouldn't have told the BM or Customer care that people are holding multiple dc's. There are multiple ways to get these DCs without the need of customer care. You can easily apply from the app. If someone denied you Master card you can ask them to apply Master closing the Visa, because other cards can easily be applied from your Indusind app. Again making them know that people are multiple debit cards might trigger the audit process and we will lose the benefits

True bro 3 words