Indusind's LTF card strategy
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Indusind is known for their Life time free cards after paying the joining fee.
The funny things is they still earn from customers by collecting only the joining fee.
All their good cards come up with big joining fee except the Legend one which they started with 0 joining/annual fee recently.
Want to share my experience how they earn by just taking the joining fee.
I took their Amex Iconia card about 7 years ago by paying 3.5K (no joining benefits/vouchers). After 1 year of taking Iconia they offered me upgrade to Signautre with 10K joining fee (no joining benefits/vouchers) the offer was not good looking at the fee but rewards were good at that time (upto 2% +milestone benefit). after a long thought, I opted for it and paid 10K+GST.
After a year again an email received for upgrade eligibility to Pinnacle Card (rewards upto 2.5%) for a joining fee of 25K (15K voucher against joining fee) and this time I refused the offer.
In 2021 again got another offer for their Indulge card (invite only card) for fee of 90K+ GST and welcome voucher of 100K (Luxe Voucher which values around 80K because there are other various ways to get upto 20% discount on luxury hotels).
So the bottom line is they collect the renewal fee in other ways by continuously downgrading previous cards and launching new cards and customer pays to upgrade to better rewards card. 😄
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Moral story climax : Atlast hero realized that no heroine character in his movie but director simply want to impress hero just by making a girl to dance with him in item song 
I got iconia amex without paying any fee and dodged their every effort for upgrade.
Well spotted. Good strategy from the bank's point of view.
They offered me eazydiner cc against indusind legend without any joining fee and also LTF
They will now launch new cards with better rewards and offcourse with joining fee and will repeat the same process
just apply via cashkaro or some other site which offers cashback on approval and you will get ltf with no joining or annual fees..
may or may not works for all cards, but will definetly work for legend
i got 1800 cashback with ltf legend card without any joining fess
IndusInd legend credit card is a below average credit card I can't even get movie benefit from this card even after 6 months just because whenever I try to book a ticket it always shows limit reached, few days ago it was giving 3 + 3 tickets and now it is giving oneplus one but nobody got any of them until now..
First it used to show timing to book tickets by legend credit card but even now even if the card is in list of credit card offers we can't get the offer at any cost bcz limit reached 
The only card which provide movie offers free of cost is access Myzone life time free credit card
Not at all recommended for Movie.
Not exactly the right place to ask this but I've been looking to get an IndusInd credit card LTF and my choice would be EazyDiner variant as it will be handy for occasional dine-in at Barbeque Nation or AB's
So, any (proven) way to get IndusInd EazyDiner CC LTF ?
My RM upgraded my family's card to Legacy (without charges). can DM me if needed any assistance in application process.
BTW what is the reward rate of iconia amex? Is it still 2% for cash credit?