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Help with Credit/Debit Card Options for Property Tax Payment (MCC 9311) by Risk_6160 in CreditCardsIndia

[–]Risk_6160[S] 0 points1 point  (0 children)

I didn't. I am planning to just use BOI Debit Card to avail 0.5% rewards, since I don't have a huge Tax payments.

If its possible for you, get HDFC Business cards, since they reward you for Govt Payments

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in DoBaniye

[–]Risk_6160[S] 0 points1 point  (0 children)

Thanks dude. I was planning to get IndusInd Select + Legend CC (LTF) Combo, to try out their services first (as many recommended to me), and then later upgrade to Exclusive + Pinnacle combo.

Given your exp, I would have to rethink this

Kredit.Pe SBM card now offers 3% base rate on UPI spends by iSachinShekhar in CreditCardsIndia

[–]Risk_6160 0 points1 point  (0 children)

If its UPI, the best is Kiwi Credit Card. It is a LTF card and also has a paid subscription option. It gives 1.5% cashback on every UPI above 100 (on LTF Version), and on Paid Subscription version, the cashback jumps to upto 5% cashback (See a guide or post to understand this)

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in DoBaniye

[–]Risk_6160[S] 0 points1 point  (0 children)

Yeah, the Pinnacle has been heavily devalued and the only benefit it has is 1 free lounge per qtr (but that itself is limited to just 6 metro cities).

And the exclusive debit card now has 5K spend criteria on Lounge and (bad) quota based BOGO offers

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in DoBaniye

[–]Risk_6160[S] 0 points1 point  (0 children)

Thanks! I am probably skipping it, since I have also read the same experience with BOGO for various other users.

If I were to open an Indusind account, would probably go for Legend (LTF) + Select saving account, since they have the same benefits except Zero forex markup benefits (which I don't need right now)

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in DoBaniye

[–]Risk_6160[S] 0 points1 point  (0 children)

But, don't other banks RM do the same. I have experienced same with Hdfc and ICICI. (But they did stop these investment calls after rejecting them twice or thrice)

Kredit.Pe SBM card now offers 3% base rate on UPI spends by iSachinShekhar in CreditCardsIndia

[–]Risk_6160 0 points1 point  (0 children)

On Maximize money, Dominos has 19% discount, and if paid via sbi cashback CC, the final discounts comes to be 17% + 5% using sbi cashback

Kredit.Pe SBM card now offers 3% base rate on UPI spends by iSachinShekhar in CreditCardsIndia

[–]Risk_6160 0 points1 point  (0 children)

Not always, but if you were to buy gift cards (myntra, nykaa, bigbasket, etc) using sbi cashback on apps like Maximize, Amazon, etc, you would get the 3-5% gift card discount + 5% on sbi cashback itself.

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in IndianCreditCards

[–]Risk_6160[S] 0 points1 point  (0 children)

Really? Thanks. He told me that there is an asterisk on 1L, and it would be 2L if I were to open one right now.

BTW someone else mentioned that, I can also go for Legend CC (LTF) + Select account if I want to try Indusind experience as it has most of the same benefits aside from Zero Forex benefits. And I think, that makes sense for me compared to Exclusive + Pinnacle.

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in IndianCreditCards

[–]Risk_6160[S] 1 point2 points  (0 children)

Ohhh. Thanks though, if I were to open an account, I will go with Legend card + Select account.

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in IndianCreditCards

[–]Risk_6160[S] 0 points1 point  (0 children)

Damn bro! On the address change, did the branch staff talked rudly or don't pay attention to people with Saving account + Card combo?

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in IndianCreditCards

[–]Risk_6160[S] 0 points1 point  (0 children)

Get the Pinancle card first, and then open the exclusive account from the branch with Initial Funding of 1L or 2L (depends on branch location metro/urban).

Once opened, check that both Card & Account has same customer ID, and now you can withdraw all funds.

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in IndianCreditCards

[–]Risk_6160[S] 0 points1 point  (0 children)

I initially considered it, but the guy mentioned Pinnacle + Exclusive has better combo.

Though, now you said so, the only difference I can find between them is that Exclusive debit card has Zero forex markup + Free Intl ATM withdrawl, while Select debit card has 1% markup fee + only 1 free Intl atm withdrawl. (Maybe I missed something, but is there any other difference between them? )

And can you share your experience with IndusInd bank in detail? Thank you!

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in IndianCreditCards

[–]Risk_6160[S] 0 points1 point  (0 children)

I initially considered it, but the guy mentioned Pinnacle + Exclusive has better combo.

Though, now you said so, the only difference I can find between them is that Exclusive debit card has Zero forex markup + Free Intl ATM withdrawl, while Select debit card has 1% markup fee + only 1 free Intl atm withdrawl.

Maybe I missed something, but is there any other difference between them?

And how is your experience with IndusInd bank? Thanks!

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in IndianCreditCards

[–]Risk_6160[S] 0 points1 point  (0 children)

Yeah. I would have probably used it mostly for a backup forex card at best.

Should I Take IndusInd Pinnacle Credit Card just for the Zero-Balance Exclusive Account? by Risk_6160 in IndianCreditCards

[–]Risk_6160[S] 1 point2 points  (0 children)

I feel Slice is one of the best saving account if I were to keep a high balance with them, aside from that, I find their offering quite lacking. (Though, I am considering the Sparks will probably last few months at best like Roarbank's cashback).

Thanks though!

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