Help me choose from IndusInd pre-approved credit card options!

Nexxt is better than other 3

Duo card will be better...Platinum & Platinum Aura Edge are crap cards...Most IndusInd cards are crap anyways...I have Legend LTF but I hardly use it because of no offers...Got it as an upgrade over Aura Edge...

Sushrut.B wrote:

Duo card will be better...Platinum & Platinum Aura Edge are crap cards...Most IndusInd cards are crap anyways...I have Legend LTF but I hardly use it because of no offers...Got it as an upgrade over Aura Edge...

Ya I am just taking it for bank offers as it is LTF. Thank you.

kartikxxx wrote:

Nexxt is better than other 3

Thanks

Sushrut.B wrote:

Duo card will be better...Platinum & Platinum Aura Edge are crap cards...Most IndusInd cards are crap anyways...I have Legend LTF but I hardly use it because of no offers...Got it as an upgrade over Aura Edge...

If I take Duo card, will the existing debit card - Platinum Plus be cancelled ?

Duo is useless. 😒😒 One card has both debit card n credit card. It is like "one ring to rule em all, one ring to bind em...." Dangerous affair.

Take the NEXXT card. Auro Edge will suit you if you buy groceries a lot. NEXXT is good if you plan watch movies as it has movie ticket offer.

https://www.indusind.com/content/indusind-corpo...

bikidas2060 wrote:

Duo is useless. 😒😒 One card has both debit card n credit card. It is like "one ring to rule em all, one ring to bind em...." Dangerous affair.

Take the NEXXT card. Auro Edge will suit you if you buy groceries a lot. NEXXT is good if you plan watch movies as it has movie ticket offer.

https://www.indusind.com/content/indusind-corpo...

Seems good! 

You won't be able to book movies on indusind cards, every time quota will be exhausted

romilq wrote:
If I take Duo card, will the existing debit card - Platinum Plus be cancelled ?

Yes...Your existing card will be blocked as soon as you start using the new upgraded card...

bikidas2060 wrote:

Duo is useless. 😒😒 One card has both debit card n credit card. It is like "one ring to rule em all, one ring to bind em...." Dangerous affair.

Take the NEXXT card. Auro Edge will suit you if you buy groceries a lot. NEXXT is good if you plan watch movies as it has movie ticket offer.

https://www.indusind.com/content/indusind-corpo...

All Indus cards are useless (like most Kotak cards) lol...

Where did you get to know about Pre-approved CC Offers? @romilq  I have an IndusInd account, but get only pre-approved Loan Offers through SMS.

satraghav wrote:

Where did you get to know about Pre-approved CC Offers? @romilq  I have an IndusInd account, but get only pre-approved Loan Offers through SMS.

Got loan offer last month by email.  Now this month got cc offer by email. I don’t get any offers by sms. 

But where do you see the offers yeh to bataya hi nahin

some1anywhere wrote:

But where do you see the offers yeh to bataya hi nahin

Mail pe bhai. Offer aaya hai. Aur link pe click karte hi IndusInd login karne ko bolta hai. Aur login karte hi 4 cards me se choose karne ko bolta hai. 

romilq wrote:

Mail pe bhai. Offer aaya hai. Aur link pe click karte hi IndusInd login karne ko bolta hai. Aur login karte hi 4 cards me se choose karne ko bolta hai. 

Accha! So that's how people see pre-approved offers in IndusInd. I am holding IndusInd Exclusive account since Oct 2022 and maintaining upwards of 1 lakh balance despite that account having a 0 balance special waiver. Also sometimes 2 lakh+ balance. Yet no pre-approved offer for me.

Also the two times I applied for CC - once on C2C basis using my SBI CC with 1.7L limit and 2nd time on basis of CIBIL, it was instantly rejected without giving any reason whatsoever. (Apparently holding 14 CCs from 11 banks with total CL of 13 lakhs doesn't help for IndusInd).

@romilq tell me what you did to get pre-approved offer? Have savings account? How old? What type of account? Do you maintain MAB?

some1anywhere wrote:

Accha! So that's how people see pre-approved offers in IndusInd. I am holding IndusInd Exclusive account since Oct 2022 and maintaining upwards of 1 lakh balance despite that account having a 0 balance special waiver. Also sometimes 2 lakh+ balance. Yet no pre-approved offer for me.

Also the two times I applied for CC - once on C2C basis using my SBI CC with 1.7L limit and 2nd time on basis of CIBIL, it was instantly rejected without giving any reason whatsoever. (Apparently holding 14 CCs from 11 banks with total CL of 13 lakhs doesn't help for IndusInd).

@romilq tell me what you did to get pre-approved offer? Have savings account? How old? What type of account? Do you maintain MAB?

I opened zero balance Indus Delite account in October or November last year with initial funding of 10590 where 590 is for debit card. I don’t maintain much MAB. Maybe just around 2k-5k MAB since account was opened. Last month started getting 198k preapproved loan offer. This month got preapproved cc offer. I don’t maintain MAB but have done transactions worth 7-8 lakhs through debit card in these 5-6 months since the accident was opened. I transfer from my main ICICI account to Indusind just before doing transaction. So never maintained anything as MAB. Also mine 4 applications were rejected till now. Two through Paisabazaar and two on Indusind site instantly.  Last rejection being in this January. Today it was instantly approved and I got approval mail and sms as soon as I selected card and pressed ok. 

romilq wrote:

since the accident was opened.

😄Nice typo.

I see. So maybe doing debit card transactions helped.

some1anywhere wrote:
😄Nice typo.

I see. So maybe doing debit card transactions helped.

Jab reject hua 4 baar tab ye accident hi laga tha. Par ab jab pre approved milke approval bhi aa gaya to lag raha hai sahi accident tha 😂 Anyways yea debit card transactions and net banking transactions probably helped. Since I didn’t keep any MAB. 

What's the credit limit you got in the pre-approved CC offer? @romilq

satraghav wrote:

What's the credit limit you got in the pre-approved CC offer? @romilq

That was not shown. I think will get to know when card is delivered. 

romilq wrote:

I opened zero balance Indus Delite account in October or November last year with initial funding of 10590 where 590 is for debit card. I don’t maintain much MAB. Maybe just around 2k-5k MAB since account was opened. Last month started getting 198k preapproved loan offer. This month got preapproved cc offer. I don’t maintain MAB but have done transactions worth 7-8 lakhs through debit card in these 5-6 months since the accident was opened. I transfer from my main ICICI account to Indusind just before doing transaction. So never maintained anything as MAB. Also mine 4 applications were rejected till now. Two through Paisabazaar and two on Indusind site instantly.  Last rejection being in this January. Today it was instantly approved and I got approval mail and sms as soon as I selected card and pressed ok. 

One more question. Btw does pre-approved offer come 3 months of last rejection date? Or rather, IF pre-approved offer comes within 3 months of last declined date, should we take it or it will be instantly denied due to cooldown period not enough ?

some1anywhere wrote:
One more question. Btw does pre-approved offer come 3 months of last rejection date? Or rather, IF pre-approved offer comes within 3 months of last declined date, should we take it or it will be instantly denied due to cooldown period not enough ?

I don’t think there’s any cooldown period. My last rejection was on January 8th this year and on 17th of  March few days ago I got pre-approved offer which was instantly approved when I selected the card and submitted the application. 

romilq wrote:

I don’t think there’s any cooldown period. My last rejection was on January 8th this year and on 17th of  March few days ago I got pre-approved offer which was instantly approved when I selected the card and submitted the application. 

Oh that's good to know. There is definitely a cooldown period of 3 months but that only applies (as we learn from your case) if one applies for a CC on their own and it's declined. Just like HDFC Bank, if there's a pre-approved offer, you can get the CC any time.

some1anywhere wrote:

Oh that's good to know. There is definitely a cooldown period of 3 months but that only applies (as we learn from your case) if one applies for a CC on their own and it's declined. Just like HDFC Bank, if there's a pre-approved offer, you can get the CC any time.

Since there was no update after I got instant approval message from IndusInd bank, today I emailed the priority credit card support with the reference number to inquire about the status. They replied that it has been rejected. So I called phone support and inquired with Twitter support too. Both said it is approved. I again emailed the priority credit card support to recheck the status and told them about what phone and Twitter support told me, again they copy-pasted the same rejection email citing internal parameters. It seems email support that too of priority credit card department is full of dumbass clowns. They don't even properly check your reference number and keep copy-pasting same replies even when you appeal to re-check. I just got the dispatched email with tracking id.

romilq wrote:

Since there was no update after I got instant approval message from IndusInd bank, today I emailed the priority credit card support with the reference number to inquire about the status. They replied that it has been rejected. So I called phone support and inquired with Twitter support too. Both said it is approved. I again emailed the priority credit card support to recheck the status and told them about what phone and Twitter support told me, again they copy-pasted the same rejection email citing internal parameters. It seems email support that too of priority credit card department is full of dumbass clowns. They don't even properly check your reference number and keep copy-pasting same replies even when you appeal to re-check. I just got the dispacthed email with tracking id.

After years of dealing with clueless morons, I have come to realize that ALMOST all customer care in almost all the banks is full of dumb clowns who don't deserve the job, can't even communicate properly in correct English, and send copy-paste replies. Dealing with such idiots is very painful.

some1anywhere wrote:
After years of dealing with clueless morons, I have come to realize that ALMOST all customer care in almost all the banks is full of dumb clowns who don't deserve the job, can't even communicate properly in correct English, and send copy-paste replies. Dealing with such idiots is very painful.

You are right. I have such an experience with almost all banks. They don't even read the question properly. Even if they read they do not understand it. Last week I emailed AU bank to see if they can upgrade my card variant and I specifically mentioned the card that I wanted. The guy replied with steps to apply for a limit increase. Similar experience with all banks. After the first reply I have to ask them always to properly read the issue again and then answer.

some1anywhere wrote:
After years of dealing with clueless morons, I have come to realize that ALMOST all customer care in almost all the banks is full of dumb clowns who don't deserve the job, can't even communicate properly in correct English, and send copy-paste replies. Dealing with such idiots is very painful.

Actually once in a while, you do get some really good knowledgeable folks in customer care... So now, I simply call cc, and within a minute of talking I get to know if the guy is capable of understanding/working out the issue or not; If not, just disconnect, no need to spend efforts in explaining the issue; and try with a different cc guy... Also, if approached via Twitter, the cc guys who call back generally tend to be more knowledgeable and already have the context, so resolving it becomes easy... for mails, always prefer putting all the customer mails id (cc/head/no/pno/ceo) in the bcc, so that they all can reply/resolve individually...