How long it takes to get Kotak Pre-Approved CC offers for new 811 account?

[StanRoute66]

Just a few days ago , I opened Kotak 811 Account . What is the general timeframe for me to start getting LTF Credit Card offers ? I will be using this account for paying my CC Bills for now .
So , Kindly Share your Experiences in this thread and tell us what Pre-approved card did you get as a 811 Customer ? also let me know if there is a process to get LTF White Card Upgrade from another Kotak Credit Card ?

 

[AsB]

That usually comes with very good limit. My dad got it with 5 lakh limit even though all his other cards are max 1.5L.

Maybe. But, my cousin who also has a salary account with ICICI bank, and earns around 7 lpa, got limit of 60k. I used to earn less than 1/3rd . HDFC gave me 1L and SBI 82k. In HDFC , I had entered a higher salary bracket, even though I did not earn that much.
However, my cousin that I talked about, got Flipkart card with limit of Rs 46000. I got 25k. Dont know the issue with Axis

 

[Arcade]

Maybe. But, my cousin who also has a salary account with ICICI bank, and earns around 7 lpa, got limit of 60k. I used to earn less than 1/3rd . HDFC gave me 1L and SBI 82k. In HDFC , I had entered a higher salary bracket, even though I did earn that much.
However, my cousin that I talked about, got Flipkart card with limit of Rs 46000. I got 25k. Dont know the issue with Axis

I definitely don't understand the systems banks have, like I maintained 5k in my HDFC and must have done like 4 transactions from that account but still got the cc offer while I have been maintaining upwards of 4L in my IDFC account which I've had since start of 2020 and still no pre-approved offer. Wonder if age is a factor cause I'm only 20. Who knows. 🤷‍♂️

 

[AsB]

Axis, ICICI, SBI are the most stupid banks in India

My father who holds a salary account with SBI for nearly 46 years got a limit of Rs 27k in his SBI SimplySave card. I had to cancel it. I was either lucky or something that I got 82k

 

[Arcade]

Some banks require 21-23 as minimum age

HDFC usually gives CC offers starting at age 18

The funny part is that I regularly get calls from IDFC stating that I'm "eligible" for a pre-approved personal loan, but no CC. Banks here really smoke something else.

 

[ashwink]

The funny part is that I regularly get calls from IDFC stating that I'm "eligible" for a pre-approved personal loan, but no CC. Banks here really smoke something else.

Even I have received a call for pre approved home loan 😅 & I don't have account in idfc 🤣

 

[Arcade]

Did you ever visit IDFC branch?

Nope. My RM sends someone home or everything over call so have never needed to visit branch.

 

[StanRoute66]

This is the exact same reason I also opened 811.
I'm surprised that how come our agenda is so similar.
You have done exactly what you were supposed to do, now do the transaction regularly in the account, doesn't matter how, may be UPI may be Debit Card.

BUT DON'T EVER TAKE THAT 811 FD CARD, EVEN IF YOU GET THE INVITATION WITHIN NEXT 3 MONTHS OF OPENING THE ACCOUNT. ELSE YOU WILL NOT BE OFFERED ANY MORE CARD FOR SURE AS @Batmanbaba IS SUFFERRING NOW.

So just wait for 6 month & let me once you started getting offers. Kotak rolls out offers on every Quarter.
I'm also in the same que as you are.

Glad we started this 811 project together and got our goal met very soon .
I was looking for this thread , today i got it .

 

[Krish]

Glad we started this 811 project together and got our goal met very soon .
I was looking for this thread , today i got it .

Which card?

 

[Krish]

Kotak White LTF

I opened 811 a week back, how much balance to maintain to get white LTF ?

 

[StanRoute66]

I opened 811 a week back, how much balance to maintain to get white LTF ?

1L and transact heavily

 

[ashwink]

1L and transact heavily

I'm seeing only dream different credit card 🥲

 

[Krish]

I'm seeing only dream different credit card 🥲

How old is the account?

 

[ashwink]

How old is the account?

2 months.

 

[Bob78900]

I'm seeing only dream different credit card 🥲

Wait for atleast 6 months don't go for fd card

 

[ashwink]

Wait for atleast 6 months don't go for fd card

Obviously right I'm not going for fd card for sure, thanks for your advice 👍

 

[ashwink]

Wait wait ... Sabko jab mila why won't you get

Be patient

Haan bhai.

 

[Lakshya Mahani]

I am already holding league platinum card from 1.5 months. Today I received a call that please confirm your delivery address for your kotak card, I told him I am already having one, then he said you are pre-approved for this card too, to which I denied straightaway( as kotak provides one card to one customer).
After 3 minutes, i received an SMS to give my consent to process my application. As i opened the link, I was directed to this page.
If i don't give my consent to process this application, will they make any cibil enquiry??

 

[Batmanbaba]

I am already holding league platinum card from 1.5 months. Today I received a call that please confirm your delivery address for your kotak card, I told him I am already having one, then he said you are pre-approved for this card too, to which I denied straightaway( as kotak provides one card to one customer).
After 3 minutes, i received an SMS to give my consent to process my application. As i opened the link, I was directed to this page.
If i don't give my consent to process this application, will they make any cibil enquiry??

Yaha ek ni mil rha hai.... And on other hand.... Kotak wale lage pade hue hai...

 

[V360]

Yaha ek ni mil rha hai.... And on other hand.... Kotak wale lage pade hue hai...

We are on the same boat @Batmanbaba

FD Card from Kotak >>Closed recently>>No offers till date. Never applied offline as I am waiting for LTF offer.

 

[Lakshya Mahani]

Yaha ek ni mil rha hai.... And on other hand.... Kotak wale lage pade hue hai...

Few minutes back, I checked from my side too, i was being offered 4 more cards from kotak including league platinum(ltf) which i am holding right now(ltf)