Introducing Account upgrade on WhatsApp

What are benefits of account upgrade through WhatsApp banking ?

Upgrading your IndusInd account via WhatsApp Banking offers unmatched convenience- initiate the process anytime, without visiting branch. Enjoy faster processing, real time updates, and personalized support, all from your phone. Its secure, effortless and available 24/7 to enhance your banking experience.

What are the benefits of account upgrade?

Upgrading your accounts with IndusInd bank offers benefits like upgraded debit card with added perks, discount on locker facilities, a team of dedicated Relationship Manager to support and guide you on your Banking, Investments and Financial needs, AMC Waiver for your IndusInd Demat Account and many more.

How much time will it take to complete the upgrade process through WhatsApp banking?

The account upgrade process through IndusInd’s WhatsApp journey is typically completed in few minutes (typically 7-8 minutes), provided your account meets the eligibility criteria and your PAN and Date of Birth are already updated

Are grouped accounts allowed for upgrade through WhatsApp banking

Accounts which are grouped are not eligible for an upgrade through WhatsApp banking. For more assistance you may contact the customer care or visit branch.

How long will it take for my PAN number/ DOB  to be updated?

After submitting your PAN details/ DOB proof online through your IndusInd Bank account or by visiting branch, the bank usually processes the request within 1-2 business days.

The account has been upgraded, how long will it take for the welcome kit and debit card to be delivered?

After the account upgrade and backend process, the welcome kit and debit card will be delivered within 10 working days. You can track the delivery by using WhatsApp banking or contacting your RM.

To what all variants can I upgrade using WhatsApp Banking? 

Account upgrade using WhatsApp banking is allowed only to Select, Exclusive and Grande. For any other account upgrade, kindly contact your RM or visit the nearest branch

Can I still hold the debit card of lower variant after the upgrade?

No, as per the customer consent form, your existing card will be disabled once you start using your upgraded card or within 45 days of card upgrade or on the date of existing card’s expiry, whichever comes earlier.

After how long can you upgrade your account again using WhatsApp banking ?

You can upgrade the account using WhatsApp banking anytime provided you meet the requirements of the upgrade to higher variant.

I requested an account upgrade through WhatsApp banking, but want to cancel it. Is it possible to cancel the same using WhatsApp banking?

The account upgrade process through WhatsApp is real time and instant. For any cancellation, reach out to the assigned RM or contact the customer care at 1860 267 7777

I am unable to access the account upgrade journey using  WhatsApp Banking?

The upgrade through WhatsApp banking is allowed to certain set of customers who meet the eligibility criteria set by bank. In case you are unable to upgrade through WhatsApp, kindly reach out to the assigned RM or visit the nearest branch for assistance.

What are the fees & charges for account upgrade?

1- There are no charges for account Upgrade. However, each account variant comes with certain relationship criteria or Minimum Balance Requirements which the client is required to maintain. Such charges are clearly displayed during the update journey and client is asked to mandatorily accept such requirements before proceeding with the upgrade.

2- No hidden charges apply for the account upgrade however, customers have to maintain the AQB as per the variant they choose to upgrade to, failing which Non-maintenance charges (NMC) shall be levied.

Who is eligible to for account upgrade through WhatsApp Banking 

The upgrade through WhatsApp banking is allowed to certain set of customers who meet the following eligibility criteria set by the bank

• PAN & DOB is already updated in the bank account
• ReKYC is not due
• Account is active, not under any debit /credit freeze and no lien is marked
• Account is not a group account and has single mode of operation
• Belongs to eligible product type defined by the bank
• Not applicable for Indus comfort and non-residents account