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Indusind Pinnacle Spends Suggestions

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beast_boy

beast_boy

TF Premier
I have recently got my Legend card upgraded to Pinnacle based on Grande account, to Avoid The 5k Fees on card I need to spend 50k in 3 Months on the card, what avenues should I use to do these spends with 0 or minimal charges.

Any GV buy and sell or Any other places please suggest.

Your suggestions are heartely appreciated.
 
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seasonedroaster said:
first of all you are a savior sir 🙏

I do have 4 different zomato accounts in family My mom wife n sister

but can u plz point me to a thread where i can see exact steps to laod via zomato and steps to send to bank account

am a noob in these fields would be huge help

i think this is easily achievable by me
Click to expand...
Saviour sounds like Zillelahi from movie Welcome 😂🙏
Now for beginners ease, I am now replying with even more details that a layman would understand at first glance
Jokes apart, firstly 2 things worth noted :
1. Every Amazon account of your family should have full Kyc one. Check it first otherwise you won't be able to transfer it back to own accounts. Instead of Full Kyc wallet, they will go to Gift card balance means 2-3% loss.
2. Like Zomato, other apps are also there like Uber or Milkbasket etc but 4k limit thru CC is still there. Through Debit card there is no limit you can transfer Lakhs also but no benefit for you. (Sometimes it is beneficial too - search loot Zomato - Abhishek ji June thread but this is off topic talk)

Others have already replied the way how to add it through Zomato. I will just attach an self explanatory image.
Also how to tfr back to your own account for free. Once you add 4k, you will see two options in Amazon: Wallet balance & Gift card balance. Only wallet balance will be transferable. See attached image. Then select Upi id of yours and try to pay. There you will see amazon pay wallet option having your 4000. Pay through that and enjoy.
 

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Last edited:
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Jatayu said:
Saviour sounds like Zillelahi from movie Welcome 😂🙏
Now for beginners ease, I am now replying with even more details that a layman would understand at first glance
Jokes apart, firstly 2 things worth noted :
1. Every Amazon account of your family should have full Kyc one. Check it first otherwise you won't be able to transfer it back to own accounts. Instead of Full Kyc wallet, they will go to Gift card balance means 2-3% loss.
2. Like Zomato, other apps are also there like Uber or Milkbasket etc but 4k limit thru CC is still there. Through Debit card there is no limit you can transfer Lakhs also but no benefit for you. (Sometimes it is beneficial too - search loot Zomato - Abhishek ji June thread but this is off topic talk)

Others have already replied the way how to add it through Zomato. I will just attach an self explanatory image.
Also how to tfr back to your own account for free. Once you add 4k, you will see two options in Amazon: Wallet balance & Gift card balance. Only wallet balance will be transferable. See attached image. Then select Upi id of yours and try to pay. There you will see amazon pay wallet option having your 4000. Pay through that and enjoy.
Click to expand...
Got it

i already did a test transaction using SBI CB card it worked

i added then transferred it back to bank

am not sure if family members have done KYC but if not i can get them to do it no issue there

also 4k limit is on Amazon side am guessing
so irrespective of app i do it with it still stays 4k coz of Az limitation right?
 
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seasonedroaster said:
Got it

i already did a test transaction using SBI CB card it worked

i added then transferred it back to bank

am not sure if family members have done KYC but if not i can get them to do it no issue there

also 4k limit is on Amazon side am guessing
so irrespective of app i do it with it still stays 4k coz of Az limitation right?
Click to expand...
👍
Yes for last statement
 
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For this ₹4000 free transfer, Do they take calendar month or 1 month from last transaction?
Asking because May 18th, I did a 4000 transfer. But for the past 10 days I am trying to transfer and its showing Limit reached
 
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beast_boy said:
I have recently got my Legend card upgraded to Pinnacle based on Grande account, to Avoid The 5k Fees on card I need to spend 50k in 3 Months on the card, what avenues should I use to do these spends with 0 or minimal charges.

Any GV buy and sell or Any other places please suggest.

Your suggestions are heartely appreciated.
Click to expand...
is this still available?
 
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APT said:
so you need to open grande account and then upgrade to pinnacle?
Click to expand...
Yes. Then downgrade same account to Exclusive & enjoy zero balance banking too with Pinnacle Ltf as cherry on the cake. Only thing to watch is if you are having Legend then limit should be >4L for upgrade to Pinnacle.
 
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helloworld said:
anyway, it gives 1% offline, 2.5% online (non-travel), 1.5% (travel), 0.7% (sensitive categories where other banks gives 0%)
Click to expand...
But in earlier post you say:

pinnacle reward rate:

online: 1.8% (I didn't see mention of 2.5%)
offline: 0.75%, (not 1%)
travel: 1.12%, (not 1.5%)
special: 0.5%, (not 0.7%)

Are there 2 Pinnacle variants?
 
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Gau₹av said:
But in earlier post you say:

pinnacle reward rate:

online: 1.8% (I didn't see mention of 2.5%)
offline: 0.75%, (not 1%)
travel: 1.12%, (not 1.5%)
special: 0.5%, (not 0.7%)

Are there 2 Pinnacle variants?
Click to expand...

helloworld said:
pinnacle reward rate only. no changes. this is for 1p = 1rs. redemption.
Click to expand...

1.8% is practical and 95% possibility, 2.5% very rare scenario, but bank advertise it only 5% possibility.
 
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Jatayu said:
👍
Yes for last statement
Click to expand...
One question

After taking the suggestions from here i applied for Pinnacle Card but surprisingly i didnt get any mail or sms of application being successful or anything or TnC etc after VKYC and suddenly yesterday card came via courier without any prior intimation
Today i went ahead and opened an Exclusive savings account which has already started showing in Indie app along with card
I didnt even get any SMS about spending 50k in 3 months or email. How do i know if am eligible for this?

Am new to them since i had closed my Legend card long long time back
Do i mail customer care and ask?
any suggestions?
 
Last edited:
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seasonedroaster said:
One question

After taking the suggestions from here i applied for Pinnacle Card but surprisingly i didnt get any mail or sms of application being successful or anything or TnC etc after VKYC and suddenly yesterday card came via courier without any prior intimation
Today i went ahead and opened an Exclusive savings account which has already started showing in Indie app along with card
I didnt even get any SMS about spending 50k in 3 months or email. How do i know if am eligible for this?

Am new to them since i had closed my Legend card long long time back
Do i mail customer care and ask?
any suggestions?
Click to expand...
Maybe you didn't read full thread bcoz I mentioned many times that I got this Pinnacle conditional Ltf offer with Grande account. After Pinnacle, I downgraded account to Exclusive.
But this conditional Ltf offer is also possible without this Grande way. There are many helpful people in this forum also who apply this Pinnacle with conditional Ltf offer from their end.
Without these 2 ways, this 50k spend Ltf offer I don't think is possible for Pinnacle.
I think even 15k Joining fees can also be deducted in your case. Mail immediately to customer care and clarify everything.
 
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Jatayu said:
Yes. Then downgrade same account to Exclusive & enjoy zero balance banking too with Pinnacle Ltf as cherry on the cake. Only thing to watch is if you are having Legend then limit should be >4L for upgrade to Pinnacle.
Click to expand...
I got Pinnacle with 1.1L limit and then got LE to 1.32 but still stuck there.

CL limit doesn't really apply.
 
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wanderer0 said:
How did you apply for the card? Did anyone help you out? You must've seen the application form before submitting. It's mentioned there like mine:

View attachment 101228
Click to expand...


Jatayu said:
Maybe you didn't read full thread bcoz I mentioned many times that I got this Pinnacle conditional Ltf offer with Grande account. After Pinnacle, I downgraded account to Exclusive.
But this conditional Ltf offer is also possible without this Grande way. There are many helpful people in this forum also who apply this Pinnacle with conditional Ltf offer from their end.
Without these 2 ways, this 50k spend Ltf offer I don't think is possible for Pinnacle.
I think even 15k Joining fees can also be deducted in your case. Mail immediately to customer care and clarify everything.
Click to expand...

did you get this in mail? @wanderer0 ?
Thing is i didnt receive any mail or sms after my application n VKYC was done. No application number no Application form PDF in mail nothing

1- I applied directly in their website and saw 5k as an option then did vkyc as normal process flow, but no mail no sms nothing after that

2- After 5 days i see bluedart guy at my home delivering me the pinnacle card

3- Today i went and applied for Exclusive account at branch physically and paid for MAB

4- After i receive welcome kit for exclusive account will mail regarding 0 MAB n linking of card and account. Although i can already see savings account and Credit Card under same CIF already

5- I have mailed them asking about 50k spend since even after activating the card i didnt get any sms about the said offer

6- Can you guys tell me how do i go about acquiring both the Mastercard and Visa variant for Exclusive account? Since i hear they only issue 1 variant per Exclusive account
 
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Aegon said:
I got Pinnacle with 1.1L limit and then got LE to 1.32 but still stuck there.

CL limit doesn't really apply.
Click to expand...
Maybe there's some confusion in understanding. I wrote about Legend upgrade to Pinnacle which required 4L limit atleast. My Dad's Legend had 1L limit and it got rejected for Pinnacle upgrade then branch people told me about 4L limit criteria. I had 5L limit and it got easily upgraded. We both had Grande and old Legend CCs.
This CL has nothing to do with Exclusive account offer. I also know "CL limit doesn't really apply".
 
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seasonedroaster said:
did you get this in mail? @wanderer0 ?
Thing is i didnt receive any mail or sms after my application n VKYC was done. No application number no Application form PDF in mail nothing

1- I applied directly in their website and saw 5k as an option then did vkyc as normal process flow, but no mail no sms nothing after that

2- After 5 days i see bluedart guy at my home delivering me the pinnacle card

3- Today i went and applied for Exclusive account at branch physically and paid for MAB

4- After i receive welcome kit for exclusive account will mail regarding 0 MAB n linking of card and account. Although i can already see savings account and Credit Card under same CIF already

5- I have mailed them asking about 50k spend since even after activating the card i didnt get any sms about the said offer

6- Can you guys tell me how do i go about acquiring both the Mastercard and Visa variant for Exclusive account? Since i hear they only issue 1 variant per Exclusive account
Click to expand...
Did you took screenshot of 5k offer before applying. Attach that to mail also.
2nd thing when I upgraded to Pinnacle, I also didn't get any mail or sms. Just got the card. Plus I also didn't get any sms of 50k offer. I have their SOC in which condition is clearly written so didn't bother to mail them. If by chance Joining Fee is deducted in future, I will sue them 😂
 
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