Warning for Tier-2/3 Applicants: CRED / IndusInd is pulling CIBIL and showing limits *before* checking address serviceability
Hey everyone,
Just wanted to share a highly frustrating experience with the IndusInd credit card application flow via CRED to save folks in Tier-2 and Tier-3 cities from taking an unnecessary hit to their credit score.
I recently saw an offer on CRED for the IndusInd card, promoted as a "limited time" Lifetime Free (LTF) product. Since CRED already tracks my credit card bills and UPI transactions, I figured it was a pre-filtered offer.
The application funnel went like this:
- They fetched my CIBIL report (Hard Inquiry logged).
- The UI literally showed me an approved eligibility limit of ₹50K.
- It moved to the Aadhaar verification step.
- The moment the address was pulled, the system instantly blocked the flow, stating the address is "unserviceable."
It didn't even technically reject me; it just froze the application because they don't deliver or verify in my location.
If a platform like CRED has all your data, and a bank doesn't have the logistics to service a region, checking the pincode should absolutely be step zero. Showing a user a specific credit limit and baiting them into a hard inquiry before checking if you can even ship the card to them is awful UX.
If you live in a Tier-2/3 city, do not trust the offer shown on CRED for IndusInd unless you are 100% sure your current address is in a tier-1 metro they service.
Has anyone else been baited by a specific limit on CRED only to get blocked by serviceability at the very end?