Indusind bank and its Indie app is pure garbage. Help needed !

[|V|]

Okay. What a nightmare it has been. This has to be one of the worst bank out there. The infrastructure they got is pure garbage.
I have been trying to get hold of Exclusive debit card with 0 MAB. I decided to jump the hoops to get it via Pinnacle card.

Tons of issues. The app feels like its running on some potato.
What's up with this garbage app not working on wifi ? Always needs mobile data to operate.

I am facing following issues; if someone can help out, I appreciate it alot. Else, I am on a verge of getting this account and card closed and never look back.

Issues :
1. I got the CC first. Registered it for net banking and then I created exclusive a/c online. Downloaded the indie app; logged in via the app using CC details. The app logged in; it shows everything except the credit card. Called customer care; they said they will have to merge customer ID together. I didn't even create saving account's net banking account yet, what's there to merge ? Since, the credit card isn't shown along side the saving account. The MAB is exclusive a/c is 1L. FML: I can't put 1L on this bank.

Over on X Customer care says : Request you to visit the nearest IndusInd Bank branch to update your mobile number linked to your credit card under your Unique Customer Identification Code (UCIC) in order to resolve the highlighted issue.

I am not confident the branch people are educated enough to do the above procedure. Further, I opened the a/c online and now asking me to visit branch !? Really ? 🙁

2. After the saving account was created; initial funding was for 90K. I thought I will maintain 1L for few days and tried adding 10k more.

• Source bank says 10k transaction successful.
• Razorpay says 10k transaction successful and shares the usual transaction successful email.
• Indusind bank says there was an issue and that's it. No reference number, no nothing. The fund 10k is lost. No idea who has it.

Spoke to Source bank and razorpay Customer care both says fund has been transferred to Indusind bank. Both of these party already called me and explained the situation. However, Indusind bank is just mute. No call. No emails. Nothing !

3. Debit card cvv not visible. The app doesn't show any credit card. All I see is 2 debit card on "Cards" section (Exclusive and gold card). I try to see the cvv of the debit card -> "Oops, something went wrong,contact indie@indusind.com". Tried it like 50 times and its always the same.

4. Tried setting ATM pin of the card. Error -> "Oops, something went wrong, contact indie@indusind.com".

I am just frustated this all such horrible service from Indusind bank. Their customer service is pretty laid back, no prompt response.

If anyone got any input which might help me. Please share.

Thank you.

 

[Qqqqqqw111112]

Bhai sarkari bank se kaam kara sakte ho lekin Indusind se nahi. Pta nahi kaise chal raha hai ye bank. I too faced too many issues with this shit bank.

 

[VicksJ]

Not sure about 10k, raise a chargeback request with the transferring bank, stating no response from indusind. for second part, login to netbanking account and then add your credit card to it

 

[saber.mbt]

Okay. What a nightmare it has been. This has to be one of the worst bank out there. The infrastructure they got is pure garbage.
I have been trying to get hold of Exclusive debit card with 0 MAB. I decided to jump the hoops to get it via Pinnacle card.

Tons of issues. The app feels like its running on some potato.
What's up with this garbage app not working on wifi ? Always needs mobile data to operate.

I am facing following issues; if someone can help out, I appreciate it alot. Else, I am on a verge of getting this account and card closed and never look back.

Issues :
1. I got the CC first. Registered it for net banking and then I created exclusive a/c online. Downloaded the indie app; logged in via the app using CC details. The app logged in; it shows everything except the credit card. Called customer care; they said they will have to merge customer ID together. I didn't even create saving account's net banking account yet, what's there to merge ? Since, the credit card isn't shown along side the saving account. The MAB is exclusive a/c is 1L. FML: I can't put 1L on this bank.

Over on X Customer care says : Request you to visit the nearest IndusInd Bank branch to update your mobile number linked to your credit card under your Unique Customer Identification Code (UCIC) in order to resolve the highlighted issue.

I am not confident the branch people are educated enough to do the above procedure. Further, I opened the a/c online and now asking me to visit branch !? Really ? 🙁

2. After the saving account was created; initial funding was for 90K. I thought I will maintain 1L for few days and tried adding 10k more.

• Source bank says 10k transaction successful.
• Razorpay says 10k transaction successful and shares the usual transaction successful email.
• Indusind bank says there was an issue and that's it. No reference number, no nothing. The fund 10k is lost. No idea who has it.

Spoke to Source bank and razorpay Customer care both says fund has been transferred to Indusind bank. Both of these party already called me and explained the situation. However, Indusind bank is just mute. No call. No emails. Nothing !

3. Debit card cvv not visible. The app doesn't show any credit card. All I see is 2 debit card on "Cards" section (Exclusive and gold card). I try to see the cvv of the debit card -> "Oops, something went wrong,contact indie@indusind.com". Tried it like 50 times and its always the same.

4. Tried setting ATM pin of the card. Error -> "Oops, something went wrong, contact indie@indusind.com".

I am just frustated this all such horrible service from Indusind bank. Their customer service is pretty laid back, no prompt response.

If anyone got any input which might help me. Please share.

Thank you.

Thank you for outlining your issues with IndusInd Bank in detail. We appreciate the frustration caused by ongoing app, card, and customer service problems. Here’s a pointwise resolution and suggested steps for each of your concerns:

1. Credit Card and Savings Account Not Linked (Customer IDs Not Merged):

In online account setups, banks often create multiple customer IDs—one each for cards and savings accounts—requiring manual merging for a unified view.

It is true that IndusInd generally asks for in-person branch verification to process UCIC merging/updates (this is an industry safety requirement and not unique to IndusInd). However, you can email indie@indusind.com and escalate via @IndieBankSupport on social media, referencing your specific issue and requesting digital KYC or RM assistance if branch visits are not feasible.

If you must visit a branch, take a printout or screenshot of the official IndusInd recommendation from social media for staff reference.

2. Missing ₹10,000 Transfer (via Razorpay):

Since both the source bank and Razorpay confirm the transaction as successful, insist that IndusInd gives you a Service Request or Complaint Number in writing or via email for the missing credit. Request a written timeline for resolution and escalate the issue to their Grievance Redressal Officer (email/phone from the IndusInd website). Keep all transaction references, UTR, and emails handy.

If unresolved for 5–7 days, raise a complaint with RBI’s Banking Ombudsman using all communication trail and proof.

3. Debit Card CVV & Card Linking App Failures:

The CVV error and non-visibility of credit card is a technical glitch, commonly related to unlinked customer IDs or backend configuration. Confirm your mobile number is identical for both card and account. Log out, clear cached data, and re-login using net banking credentials (not just card login). If errors persist, email screenshots/errors to indie@indusind.com requesting urgent escalation.

4. ATM PIN Error:

This is likely caused by backend technical issues due to customer ID mismatch. Wait until merging/branch visit is complete—most PIN set features will only work once this is resolved.

General Advice:

Document every interaction and get written acknowledgement for each complaint (via app, call, email, or branch).

If your main intent is a zero MAB exclusive account and the process remains unresolved, you have the right to close the account/card without penalty—ensure written confirmation of closure.

 

[6ix9ine]

There is a reason @Gau₹av call this bank as SANDAAS BANK, because harkate hi ek dum waise hai.