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The strangest of things happened today, I got an offer limit increase for my Kotak credit card, but to have the limit increase I need to pay a fee of 99+GST, I mean just why. I used to have league card in the past(now closed) I had got multiple credit increase never had to pay a single rupee...

Recently i got a free upgrade to Kotak PVR Platinum FYF from kotak league(which was LTF), but was thinking will i be able to ask them to convert it to LTF after an year??? i do hold a platina salary account, though they mention to give Zen card LTF they never upgraded my card till date though i...