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

 

[pprakash11]

When can we take out that 50k then? After a month or as soon as acx becomes 0 MAB

As soon as ac becomes 0 MAB.

 

[gupta93126]

@anirban.choudhury Did you pay 2 lakhs for this card?

 

[Pankhuri]

Greetings, Your IndusInd Bank A/C No. XXXXXXXXXXXX and IFSC code INDBXXXXXXX has been activated for use. Please ensure to complete your KYC within 1 year from date of account opening for uninterrupted banking services. Please click here [SOME LINK] to complete your video KYC instantly online or visit the nearest IndusInd branch. Please ignore if already completed - IndusInd Bank

So, I got this message. Should I now just do vkyc and then visit branch to upgrade to select? I don't need debit card anyway, should I still pay ₹249 for that?

Cc - @pprakash11

 

[pprakash11]

So, I got this message. Should I now just do vkyc and then visit branch to upgrade to select? I don't need debit card anyway, should I still pay ₹249 for that?

Cc - @pprakash11

Yeah, you can do VKYC and then visit branch.
Or directly visit branch, do KYC & upgrade both atst.

 

[federer.reddevil]

Went to the branch and filled upgrade request form. Branch additionally asked me to forward the email (related to surrogate product) which i got from exclusive@indusind.com before taking the upgrade request

Now waiting for the upgrade to happen

Is your account upgraded or any idea how long they said it will take for the upgrade?

 

[xxScriptzxx]

Is your account upgraded or any idea how long they said it will take for the upgrade?

They have raised a request, it generally takes 5 working days

 

[federer.reddevil]

They have raised a request, it generally takes 5 working days

Oh ok then since I made on Monday then it should be done by next Monday

 

[D7162]

I visited branch and they dont have idea about this 0 balance exclusive account neither they are aware of Surrogate product. So How to proceed? Simple open exclusive with 1 lakh initial deposit and club after that ? or push branch for zero balance only ?

 

[hellobois]

I visited branch and they dont have idea about this 0 balance exclusive account neither they are aware of Surrogate product. So How to proceed? Simple open exclusive with 1 lakh initial deposit and club after that ? or push branch for zero balance only ?

I think it's for select and not exclusive. Which credit card do you have?

 

[federer.reddevil]

I think it's for select and not exclusive. Which credit card do you have?

Exclusive for Pinnacle card

 

[VISHESH_BANSAL]

I visited branch and they dont have idea about this 0 balance exclusive account neither they are aware of Surrogate product. So How to proceed? Simple open exclusive with 1 lakh initial deposit and club after that ? or push branch for zero balance only ?

Pta sabhi Branch staff ko hota hai.
Koi branch kyu chayegi ki 1 lakh AMB wale Account m koi Zero Balance rakhe.
Isley yeh Branch Staff notanki karte hai.
Open Select And link Legend
Or Open EXCLUSIVE and link Pinnacle yourself and enjoy Zero MAB.

Do not ask branch staff.
You have to link CC yourself via netbanking.
Branch has no role in it except opening of Select/Exclusive Account.

 

[D7162]

My bad- may be wrong thread ? I am holding Pinnacle and want exclusive account

 

[D7162]

Pta sabhi Branch staff ko hota hai.
Koi branch kyu chayegi ki 1 lakh AMB wala Account m koi Zero Balance rakhe.
Isley yeh Branch Staff notanki karte hai.

i have shown email received from Priority care but they still deny about this

so DO I have to open exclusive account first using 1 lakh initial balance ?

 

[anirban.choudhury]

@anirban.choudhury Did you pay 2 lakhs for this card?

No
It’s LTF

 

[anirban.choudhury]

i have shown email received from Priority care but they still deny about this

You can get 0 balance Exclsuive with pinnacle
Just follow the post
I have shared how to do it

 

[D7162]

You can get 0 balance Exclsuive with pinnacle
Just follow the post
I have shared how to do it

Ok but how you convinced them to upgrade even without min balance ?

 

[Wealth is my birth right!]

Ok but how you convinced them to upgrade even without min balance ?

Fund and upgrade then u can withdraw

 

[anirban.choudhury]

Ok but how you convinced them to upgrade even without min balance ?

By false commitments
You can try they would mostly do that , for safety add some fund like 10k
I did it with 249 Rs

 

[Pankhuri]

Went to the branch and filled upgrade request form. Branch additionally asked me to forward the email (related to surrogate product) which i got from exclusive@indusind.com before taking the upgrade request

Now waiting for the upgrade to happen

How did you get that email? What adress did you email and what was your request?

 

[krishc]

Is Select Debit Card LTF with Select account variant ?
How much initial deposit is required for opening select account online ?