Indie

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Ramushamu23

How's indie? Has anyone used it? Any rewards?

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Ramushamu23 wrote:

How's it? Is it like BNPL?

Its a saving bank account offered by indusind bank. they also offer credit line so if you are interested than you can also apply for that.

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My Insights about Indie by IndusIND :

Pros 🥂 :

• Zero Balance Account (in true sense if you don't need Physical Card)

• 3% earning on Top 3 Brands that we choose

• No Forex Charges* (for Tier 3)

• With Tier 3, Almost all charges are nil!

• 0.5% earning on other spends

(Spends on the following merchant categories do not earn any INDIE Gems earning: Fuel, Government Payments, Insurance, Mutual Funds, Rent Payment, Wallet Upload, Utility Payments, Credit Card bill payments.)

MAJOR PRO- Virtual Disposable Debit Cards! very interesting feature.

• Super OTP (where you can get OTP via App)
• IndusInd Brand (oldest bank in India) and Account number is easy to remember (18xxxxxxxxx) your mobile number.
• Great as a Backup Account or FD Account (very good rates)

Cons 💀:

• App Buggy af (Looks Sad overall just like IndusInd App)
• Physical Card isn't offered right away (which is good and bad depending)

• App and service is not at all refined! Transaction SMS don't come sometimes, and payment gateway fails sometimes too! Luckily only got  1 failed transaction so far

• No Tier Upgrade notification or Info

(Initial funding of 50k automatically upgrades you to Tier 3, rather than waiting for 1500 worth reward earning..but its been more than 24hours and no communication regarding this!)

• Credit Line feature- maybe just me, but its borrow plan with interest, I'm not big fan of these. Plus seems limited to very exclusive customers.
• No referrals for existing users of IndusInd
• Reward system looks very weak, And users complain it takes lot of time to credit gems.
Customer Support is 💩

Feel free to reach out for Referral or more info, Happy to Help

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GautamgR wrote:

My Insights about Indie by IndusIND :

Pros 🥂 :

• Zero Balance Account (in true sense if you don't need Physical Card)

• 3% earning on Top 3 Brands that we choose

• No Forex Charges* (for Tier 3)

• With Tier 3, Almost all charges are nil!

• 0.5% earning on other spends

(Spends on the following merchant categories do not earn any INDIE Gems earning: Fuel, Government Payments, Insurance, Mutual Funds, Rent Payment, Wallet Upload, Utility Payments, Credit Card bill payments.)

MAJOR PRO- Virtual Disposable Debit Cards! very interesting feature.

• Super OTP (where you can get OTP via App)
• IndusInd Brand (oldest bank in India) and Account number is easy to remember (18xxxxxxxxx) your mobile number.
• Great as a Backup Account or FD Account (very good rates)

Cons 💀:

• App Buggy af (Looks Sad overall just like IndusInd App)
• Physical Card isn't offered right away (which is good and bad depending)

• App and service is not at all refined! Transaction SMS don't come sometimes, and payment gateway fails sometimes too! Luckily only got  1 failed transaction so far

• No Tier Upgrade notification or Info

(Initial funding of 50k automatically upgrades you to Tier 3, rather than waiting for 1500 worth reward earning..but its been more than 24hours and no communication regarding this!)

• Credit Line feature- maybe just me, but its borrow plan with interest, I'm not big fan of these. Plus seems limited to very exclusive customers.
• No referrals for existing users of IndusInd
• Reward system looks very weak, And users complain it takes lot of time to credit gems.
Customer Support is 💩

Feel free to reach out for Referral or more info, Happy to Help

Referral benefits??
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i also have indus delight account opened in home itself.

Following the thread.

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rahulsoni0706846 wrote:

IMG3221

What about this offer easy to achieve??

If you use App frequently...

There is Rewards Boost (3% Cashback)

So, Shopping on Major Brands (3 of them) gets you more reward.

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GautamgR wrote:
If you use App frequently...

There is Rewards Boost (3% Cashback)

So, Shopping on Major Brands (3 of them) gets you more reward.

Bro that i know but i want know more about this particular offer if you can share some info about this than it would be of great help
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GautamgR wrote:

My Insights about Indie by IndusIND :

Pros 🥂 :

• Zero Balance Account (in true sense if you don't need Physical Card)

• 3% earning on Top 3 Brands that we choose

• No Forex Charges* (for Tier 3)

• With Tier 3, Almost all charges are nil!

• 0.5% earning on other spends

(Spends on the following merchant categories do not earn any INDIE Gems earning: Fuel, Government Payments, Insurance, Mutual Funds, Rent Payment, Wallet Upload, Utility Payments, Credit Card bill payments.)

MAJOR PRO- Virtual Disposable Debit Cards! very interesting feature.

• Super OTP (where you can get OTP via App)
• IndusInd Brand (oldest bank in India) and Account number is easy to remember (18xxxxxxxxx) your mobile number.
• Great as a Backup Account or FD Account (very good rates)

Cons 💀:

• App Buggy af (Looks Sad overall just like IndusInd App)
• Physical Card isn't offered right away (which is good and bad depending)

• App and service is not at all refined! Transaction SMS don't come sometimes, and payment gateway fails sometimes too! Luckily only got  1 failed transaction so far

• No Tier Upgrade notification or Info

(Initial funding of 50k automatically upgrades you to Tier 3, rather than waiting for 1500 worth reward earning..but its been more than 24hours and no communication regarding this!)

• Credit Line feature- maybe just me, but its borrow plan with interest, I'm not big fan of these. Plus seems limited to very exclusive customers.
• No referrals for existing users of IndusInd
• Reward system looks very weak, And users complain it takes lot of time to credit gems.
Customer Support is 💩

Feel free to reach out for Referral or more info, Happy to Help

Hi
How has been your experience with Indie so far?

Thinking of getting it with Tier 3 upgrade, mainly for the purpose of card with 0 markup & nil international transaction charges.
Thank you!
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batguy143 wrote:
Hi
How has been your experience with Indie so far?

Thinking of getting it with Tier 3 upgrade, mainly for the purpose of card with 0 markup & nil international transaction charges.
Thank you!
It's been great so far,
Best part is it rewards Amazon, Fkart, Swiggy etc purchase with 3% (as a Debit Card)

Plus, its a no fee, no worry card, all features are free...

App has improved since, not as laggy as before..

Credit Line gave me limit of 4.5L!! Which was impressive for me..(but its a high interest loan, still...)

Rewards other normal purchases at 0.5% (except usual fuel, wallet and all that stuff)

Rewards are credited instantly (since its Debit Card)

Numberless Card is cool...Plus you can get OTP in app too..

Tier 3 is the best, You just Funding once, no matter you can take it out after upgrade. .


Feel free to contact for any more feedback
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GautamgR wrote:
It's been great so far,
Best part is it rewards Amazon, Fkart, Swiggy etc purchase with 3% (as a Debit Card)

Plus, its a no fee, no worry card, all features are free...

App has improved since, not as laggy as before..

Credit Line gave me limit of 4.5L!! Which was impressive for me..(but its a high interest loan, still...)

Rewards other normal purchases at 0.5% (except usual fuel, wallet and all that stuff)

Rewards are credited instantly (since its Debit Card)

Numberless Card is cool...Plus you can get OTP in app too..

Tier 3 is the best, You just Funding once, no matter you can take it out after upgrade. .


Feel free to contact for any more feedback
Thanks a lot for prompt reply and crisp info! 😊
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