Revaluation Top Kotak Mahindra Credit Cards to Grab Now?

[Anindya98]

With RBI lifting the ban on Kotak Mahindra Bank, the bank is likely to make a strong comeback in the credit card market.

It's the perfect time to explore their credit card offerings. To regain lost market share, Kotak might roll out lucrative LTF deals and higher approval rates. Additionally, the bank could offer exclusive rewards, cashback, and promotional discounts to make their cards more appealing.

This creates an excellent opportunity for potential customers to explore Kotak’s credit card options, especially if they’re looking for fee-free cards with competitive benefits.

Which cards should you consider?

Share your suggestions and reasons—whether it's for rewards, cashback, or exclusive benefits. Let's discuss the best picks and why they’re worth getting now!

RBI Ban Lift

Kotak CC Application Resumes from 15th April.

 

[GURPS]

I applied for Kotak card on 2nd April 2025. Application no is allotted. CIBIL was checked.
5th April 2025 8am: rejection mail due to internal evaluation of income/cibil is communicated. However, I have much higher income than required income and good CIBIL.
Same day, I complaint to them asking for exact reason.
Just now received call from Kotak team, their new card offering is not yet live... I told, I did through website only and CIBIL was checked and all..She in shock, will talk to team then say the same.
Now received the written response to complaint : "We are happy to announce that we will soon resume onboarding new customers through our online channels and begin Issuing new credit cards."
Don't know why they did CIBIL check!

Sadly, I too applied yesterday and the application no. is generated. I think my application will also go through the same fate.

 

[Navneetk24]

Has anyone applied for kotak cards recently? Has the process been stabilized or is there still issues during application?

 

[Nishan11]

Has anyone applied for kotak cards recently? Has the process been stabilized or is there still issues during application?

I applied on 18th June, still in process 😂

They keep saying 10 more working days.

Previously I had PVR inox card, which I closed last December.

 

[pranjal1984]

Has anyone applied for kotak cards recently? Has the process been stabilized or is there still issues during application?

Yes. I applied for League LTF on 6th July. Card approved on 8th July and delivered on 9th July. No CIBIL hit was done. Card shares the same limit of 2.52 L with my existing Kotak IOCL card.

 

[Navneetk24]

I applied on 18th June, still in process 😂

They keep saying 10 more working days.

Previously I had PVR inox card, which I closed last December.

Is there any change in application process, like income verification becoming tougher or anything after the RBI ban? I also closed mine last year, so did they ask to provide docs and do address verification again?

 

[✪ D&C Cards Connoisseur 💳]

Sharing my experience of acquiring Kotak Zen LTF recently.
I applied through a branch guy for Zen LTF on 20th June 2025 from the comfort of my home without actually visiting the branch (LTF offer was for June according to branch). Got both Experian and Cibil hit and on Next day got rejection mail stating Income Criteria & Credit Score not in line as expected. I took snapshot of Kotak Zen income criteria, attached latest 3 months payslip, experian and cibil report on the date of mail and send a strong response to Kotak and also threatened to complain to RBIO. Then someonce from Kotak CC called and I made the same dance again. Got reply asking me to wait for 3 days and then this mail for waiting continued thrice. In between got 2 more Cibil hits. Finally Kotak Zen LTF approved. I have seen the fear of RBIO in their words. RBI ka juju, iye daar mujhe accha laga 😂 😂
Cibil hits - On raising concern for 3 cibil hits for a single card, when I have already attached Cibil Report, they asked me to provide Cibil report reflecting hits, whenever possible from my end and they will supress the enquiries.

 

[raghumahajan]

Applied Kotak Rupay virtual card as it is LTF to have kotak offers once in a while

 

[BVCBVC is verified member.]

I have seen the fear of RBIO in their words. RBI ka juju, iye daar mujhe accha laga 😂 😂

They have seen the good punishment and they wont be ready again.