Indus Grandé Savings Account - Discussion

[tryabp]

Official Link: https://www.indusind.com/in/en/personal/accounts/saving-account/indus-grande.html
Brochure & SOB Attached

Key Features:
- Free Locker
- Free Pinnacle Credit Card
- Free Signature Debit Card*
- Free Grande Debit Card
- Paid Pioneer Debit Card

Additional Benefits:
- Family Banking to 8 add-on accounts
- Special Interest rates on loan
- Dedicated RM & SM
- Bookmyshow 1+1 Offer for 1000Rs (Only Card that gives 1000Rs discount on non-movie tickets)


Surrogate Option:
- Average Balance 5 lac
OR
- Life insurance 2 lac
- General Insurance 50k
- Salary 2.5 lac
- Personal Loan 15 lac
- Home Loan 1.5 cr


Please add your inputs, i will update this thread accordingly.
BM convinced me to upgrade to this account instead of Exclusive, so have opened this account yesterday. I will post unboxing and welcome kit photos once i receive it.
Update: Attached Welcome Kit Photos. Nothing fancy. Just normal plastic debit card along with some documentation received.
Update: Customer Care has denied Free Signature Debit Card. I will still try from BM / RM. Hence i am opening Exclusive Accounts for family members and after getting Signature DC i will link them to Grande and then apply for PInnacle CC.

Tip : If you have higher variant account like Pioneer /Grande then you wont get Signature DC for free! For that you have to open/upgrade to signature account first >> Get free Signature DC / Exclusive World DC >> Upgrade a/c to Grande >> Get free Grande DC / Free Pinnacle CC >> Upgrade to Pioneer >> Get free Pioneer DC. And finally you will have all DC for free.

UPDATE:
1. If you are existing CC holder of Indus then you need to have floor limit for Pinnacle as it will be applied in split limit. (3 lac before split)
2. If you have 2 Indus CC then it becomes more complicated as 3rd can be applied in offline mode only on split limit basis and there is no option to get Pinnacle free in offline application.
3. Workaround is to apply for any free card in split limit basis offline through agent / branch and then upgrade it online using Grande Scheme Code to Pinnacle.

 

[Shash]

will try and let you know.

 

[Shash]

Your city ? and never heard about city-restrictive accounts.

lucknow Uttar pradesh

 

[jetesh]

lucknow Uttar pradesh

I think for a pioneer account, they have a separate team and selected branches.

 

[imuntitled]

Please check DM @tryabp 👀

 

[Shash]

Pioneer enquiry form
https://bank.indusind.com/pioneer/home/enquiry-form.html?item=Savings Account

No call/email from pioneer team. Should i wait more?

 

[jetesh]

No call/email from pioneer team. Should i wait more?

Call customer care

 

[redcarpet]

Tip : If you have higher variant account like Pioneer /Grande then you wont get Signature DC for free! For that you have to open/upgrade to signature account first >> Get free Signature DC / Exclusive World DC >> Upgrade a/c to Grande >> Get free Grande DC / Free Pinnacle CC >> Upgrade to Pioneer >> Get free Pioneer DC. And finally you will have all DC for free.

open/upgrade to signature account first >> Get free Signature DC / Exclusive World DC >> Upgrade a/c to Grande >> Get free Grande DC / Free Pinnacle CC >>Downgrade to exclusive >> Get free exclusive dcs >> link pinnacle to get 0 mab

Is this possible to do so? Will all the Debit cards remain active and renew after expiry? All cards become ltf this way?

 

[redcarpet]

There is no pre approved offer. U Have to apply for pinnacle via branch with product code of Grande (5000Rs+GST) Refundable on 50k spend in 3 months.

Can we negotiate with branch for issuing without joining fees? Is it possible?

 

[tryabp]

open/upgrade to signature account first >> Get free Signature DC / Exclusive World DC >> Upgrade a/c to Grande >> Get free Grande DC / Free Pinnacle CC >>Downgrade to exclusive >> Get free exclusive dcs >> link pinnacle to get 0 mab

Is this possible to do so? Will all the Debit cards remain active and renew after expiry? All cards become ltf this way?

Yes possible. Probably they wont renew DC for free. But CC there is no issue.

 

[redcarpet]

Yes possible. Probably they wont renew DC for free. But CC there is no issue.

What about replacement? If they replace mine saying damaged/lost, will the new one be free as well except for Issuance/replacement charges?
Also, anyway to get pinnacle through branch without joining fees as ltf currently through branch or otherwise for NTB customers?

 

[sxchzy]

i guess they will levy replacement fee

 

[Shadab_1]

Official Link: https://www.indusind.com/in/en/personal/accounts/saving-account/indus-grande.html
Brochure & SOB Attached

Key Features:
- Free Locker
- Free Pinnacle Credit Card
- Free Signature Debit Card*
- Free Grande Debit Card
- Paid Pioneer Debit Card

Additional Benefits:
- Family Banking to 8 add-on accounts
- Special Interest rates on loan
- Dedicated RM & SM
- Bookmyshow 1+1 Offer for 1000Rs (Only Card that gives 1000Rs discount on non-movie tickets)


Surrogate Option:
- Average Balance 5 lac
OR
- Life insurance 2 lac
- General Insurance 50k
- Salary 2.5 lac
- Personal Loan 15 lac
- Home Loan 1.5 cr


Please add your inputs, i will update this thread accordingly.
BM convinced me to upgrade to this account instead of Exclusive, so have opened this account yesterday. I will post unboxing and welcome kit photos once i receive it.
Update: Attached Welcome Kit Photos. Nothing fancy. Just normal plastic debit card along with some documentation received.
Update: Customer Care has denied Free Signature Debit Card. I will still try from BM / RM. Hence i am opening Exclusive Accounts for family members and after getting Signature DC i will link them to Grande and then apply for PInnacle CC.

Tip : If you have higher variant account like Pioneer /Grande then you wont get Signature DC for free! For that you have to open/upgrade to signature account first >> Get free Signature DC / Exclusive World DC >> Upgrade a/c to Grande >> Get free Grande DC / Free Pinnacle CC >> Upgrade to Pioneer >> Get free Pioneer DC. And finally you will have all DC for free.

why do you even need so many debit cards ? some kind of fantasy ?

 

[senpai997]

Hey, I just opened an exclusive account. I thinking of upgrading the variant to pioneer and trying to negotiate the MAB to 5 lakh . Will it work ?

 

[sxchzy]

nope
if they dont charge nmc fees they will downgrade account in pionner

 

[Rahuldiwan]

There is no pre approved offer. U Have to apply for pinnacle via branch with product code of Grande (5000Rs+GST) Refundable on 50k spend in 3 months.

Hi. I have grande account, how do I apply for Pinnacle? I have kotak cc with 4.5L limit. C2C would make sense?

 

[tryabp]

Yes u can do. Just contact the branch person and they will do.
This week i was applying for Pinnacle for my family member but the option is not coming in their system.

 

[mr_vasanth]

yes officially its 2 lac but my agent told me that he can take approval for 1.5 lac as well.

I have indusind Legend with 5L credit limit. What would be the upgrade fee for Pinnacle ?

 

[tryabp]

I have indusind Legend with 5L credit limit. What would be the upgrade fee for Pinnacle ?

Its paid upgrade unless u get pre-approved free upgrade offer.

 

[mr_vasanth]

Its paid upgrade unless u get pre-approved free upgrade offer.

You have put up different upgrade fee based on credit limit on the existing card. My question is based on that.

https://www.technofino.in/community/attachments/82fd06cd-81b3-4af1-b3d2-49f9ba36fc6a-jpg.30932/

 

[tryabp]

You have put up different upgrade fee based on credit limit on the existing card. My question is based on that.

https://www.technofino.in/community/attachments/82fd06cd-81b3-4af1-b3d2-49f9ba36fc6a-jpg.30932/

yes its for eligibility. card joining fees will be there