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.

 

[tryabp]

hi, I'm NTB to IndusInd. Want looking to open Exclusive account and pinnacle cc. In what order should I take it? and reduce fee as much as possible?

yes, but check eligibility for pinnacle before opening grande account.

I was also suggested this, but when we downgraded, will exclusive account can be 0 MAB?

Yes.

 

[CardGame]

yes, but check eligibility for pinnacle before opening grande account.

Yes.

How to check before? If we check and leave that's a pending application already na?

 

[tryabp]

How to check before? If we check and leave that's a pending application already na?

12 lac ITR or 2 lac for C2C.

 

[CardGame]

12 lac ITR or 2 lac for C2C.

That won't guarantee the card. When you do online application for their credit cards, the pinnacle card has to show as one of the eligible cards to apply for. That's the eligibility they need.

 

[dadofjohnwick]

yes, but check eligibility for pinnacle before opening grande account.

Yes.

i have eligibility in terms of salary. so thats not a problem. but tried online a few weeks back it straightaway showed can't issue a card at this moment due to internal issue. donno wh tho. didn't have a lot of queries in the last 3-4 mths too. strange. would try again after couple months

 

[tryabp]

i have eligibility in terms of salary. so thats not a problem. but tried online a few weeks back it straightaway showed can't issue a card at this moment due to internal issue. donno wh tho. didn't have a lot of queries in the last 3-4 mths too. strange. would try again after couple months

Do u hav existing indusind card?

 

[dadofjohnwick]

Do u hav existing indusind card?

no. i'm ntb.

 

[Vasuki]

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

How to apply c2c ? And what kinda verification happens in induslnd

 

[4uziaul]

How to apply c2c ? And what kinda verification happens in induslnd

Those days are gone. 😁 Now approval is mostly based on CIBIL.

 

[Vasuki]

Those days are gone. 😁 Now approval is mostly based on CIBIL.

Whats the process ?
Offline or online !
I have too much Difficulty in Kyc for indus. Bank account online

 

[4uziaul]

Whats the process ?
Offline or online !
I have too much Difficulty in Kyc for indus. Bank account online

Offline through bank agent.

Online also possible, but then again this is Indus 😂

 

[Vasuki]

Offline through bank agent.

Online also possible, but then again this is Indus 😂

You are playing hide and seek mate. 😅

Should i apply or find offline agent and apply .

What all kinda verification occur in indus .or just vkyc and wait

 

[4uziaul]

You are playing hide and seek mate. 😅

Should i apply or find offline agent and apply .

What all kinda verification occur in indus .or just vkyc and wait

Usually VKYC and wait.

 

[darjeeronak]

@S S V @tryabp @CardGame : Need help!

So, last month I opened up a Grande Savings account, and today I asked the Branch Manager to downgrade it to Exclusive. That guy is super insistent on keeping the Grande account for at least one quarter, stating he won't get approval from higher authorities before that for the downgrade. I asked him to provide it in writing, but he said to trust his words and our relationship. Grande isn't very beneficial, and it's not about the funds but there's no point in maintaining a 5L MAB unnecessarily. (I was also falsely told by the Branch Manager that if I open up a Grande account and then downgrade to Exclusive, my debit card will still stay as Grande LTF, allowing me to enjoy Grande debit card benefits, which is a loophole in their system.<-- I got carried away by this & opened up this account ). After some pushing from my end, he said he will check and let me know further. Do you suggest I write to the nodal officer about this?

 

[SSV]

Whats the process ?
Offline or online !
I have too much Difficulty in Kyc for indus. Bank account online

You want to apply for Indus ind CC right??

 

[Vasuki]

You want to apply for Indus ind CC right??

Yeah legend/ ezydiner

 

[4uziaul]

You are playing hide and seek mate. 😅

Should i apply or find offline agent and apply .

What all kinda verification occur in indus .or just vkyc and wait

If you have an account just use it for a while and I am sure you will get offers for pre-approved CC.

 

[SSV]

Yeah legend/ ezydiner

Okay, let’s try via my agent who helped me to get my LTF pinnacle on split basis..
Today I got my true LTF Pinnacle
DM me..

 

[Vasuki]

If you have an account just use it for a while and I am sure you will get offers for pre-approved CC.

No account & can't open online

 

[4uziaul]

No account & can't open online

Then offline is your only option.