How to apply Kotak White Reserve as LTF after Privy league black?

[hedgehog2122]

Hi,

I recently got my account variant upgraded to privy league black from neon based on salary. I would like to know the procedure for applying LTF kotak white reserve.

1- I already have kotak white, will this be upgraded to while reserve or I have to apply seperately. Can I keep existing white card which is also LTF along with reserve. Currently limit on while card is 6 lakhs.

2- has kotak started taking applications for new credit cards or do I need to wait.

Thanks

 

[Infinia]

White Reserve eligibility requires age above 28. However, you can negotiate with your RM. They can seek an approval. Once they provide you the upgrade consent link, there can be no rejection.

It’s the same for Kotak White which I already hold… im waiting for the banks to open. Will update. Thanks!

 

[ashwinikumar900]

It's a useless card. I got it mainly for the form factor. I never had a metallic white card. So, wanted one 🙂

The same reason was for me; it somehow resembles an Apple Card. 🙂

 

[sovon]

my man @plastikman may be able throw some light as, if I remember well , he has some decent relationship with kotak...

Ye kotak ka bhi serviceable pin code ka issue hota hai? Ya phir maximum pincode pe available hota hai cards?

 

[SSV]

Ye kotak ka bhi serviceable pin code ka issue hota hai? Ya phir maximum pincode pe available hota hai cards?

not sure about kotak's serviceability ..I only have Myntra CC..lets wait for others' inputs..

 

[ashwinikumar900]

Ye kotak ka bhi serviceable pin code ka issue hota hai? Ya phir maximum pincode pe available hota hai cards?

No issues. They functions by collecting applications and sending them into regional zonal offices via courier.

 

[hedgehog2122]

White Reserve eligibility requires age above 28. However, you can negotiate with your RM. They can seek an approval. Once they provide you the upgrade consent link, there can be no rejection.

https://www.kotak.com/en/personal-banking/cards/credit-cards/white-credit-card/eligibility.html

Is there any minimum credit limit requirement on white to white reserve upgrade.

 

[sovon]

No issues. They functions by collecting applications and sending them into regional zonal offices via courier.

No I'm, I was trying to get IDFC, They always reject my application and offer a FD card, later I came to know that my pincode is not serviceable for IDFC, same for AU, Yes bank.
That's why I'm asking, here in my location no branch is available for Kotak, Even I am not able to open an account in Kotak for the pincode issue

 

[ashwinikumar900]

Br

No I'm, I was trying to get IDFC, They always reject my application and offer a FD card, later I came to know that my pincode is not serviceable for IDFC, same for AU, Yes bank.
That's why I'm asking, here in my location no branch is available for Kotak, Even I am not able to open an account in Kotak for the pincode issue

No I'm, I was trying to get IDFC, They always reject my application and offer a FD card, later I came to know that my pincode is not serviceable for IDFC, same for AU, Yes bank.
That's why I'm asking, here in my location no branch is available for Kotak, Even I am not able to open an account in Kotak for the pincode issue

No issues, Kotak doesn’t rejects card on the basis of branch, as far as I know, so go ahead with your application.

 

[plastikman]

Is there any minimum credit limit requirement on white to white reserve upgrade.

That I'm not aware of. RM will be able to clarify.

 

[sravanbrahma]

Finally got ltf kotak white reserve approved. I got call from branch as pre approved credit card. Still they rejected twice. Had to finally give payslip, then they approved today. I know it's kind of useless piece of metal for me as I already hold infinia. But best part I think is rewards on tax payment and loungekey unlimited.

 

[HumorSimpson]

USP of this card ?

 

[shashank08]

USP of this card ?

Metal form factor in white color.. thats it..
😜😜

 

[abhiaj_geek]

Finally got ltf kotak white reserve approved. I got call from branch as pre approved credit card. Still they rejected twice. Had to finally give payslip, then they approved today. I know it's kind of useless piece of metal for me as I already hold infinia. But best part I think is rewards on tax payment and loungekey unlimited.

Did you have a kotak black account?

 

[hedgehog2122]

C

Finally got ltf kotak white reserve approved. I got call from branch as pre approved credit card. Still they rejected twice. Had to finally give payslip, then they approved today. I know it's kind of useless piece of metal for me as I already hold infinia. But best part I think is rewards on tax payment and loungekey unlimited.

Congrats, is it an upgrade or fresh application. Pls indicate salary range if possible. Do you have a privy black account variant

 

[sravanbrahma]

Tax payments is the USP.
Sal > 3L
Yes privy black.
Yes it's fresh application.

 

[hedgehog2122]

Tax payments is the USP.
Sal > 3L
Yes privy black.
Yes it's fresh application.

How did you apply for it? Online or offline at branch through RM.

How much limit did you get on the card.

 

[abhiaj_geek]

Tax payments is the USP.
Sal > 3L
Yes privy black.
Yes it's fresh application.

At this salary, Kotak white ltf is pretty much the most useless cc

 

[HumorSimpson]

Can someone help me to understand White reserve rewards ?

Is the below calculation correct ?
Lets say I paid IT of 10L , the PG charges itself would be 10*100000*0.85*1.18/100 = 10030. The milestone reward is 20000 points which is 20000*0.7 = 14000 in cash.

~4K for 10L payments -> 0.4% ?

 

[sravanbrahma]

How did you apply for it? Online or offline at branch through RM.

How much limit did you get on the card.

I informed to Corporate relations guy that I am interested during account opening 1 year back. I don't know how(probably lead generation from him), I got call from some branch staff saying it's pre-approved for me as I have privy black.

At this salary, Kotak white ltf is pretty much the most useless cc

Yes agree. I took it only for govt payments like registration charges or any tax payments or anything like that. Infinia serves me quite well.

Can someone help me to understand White reserve rewards ?

Is the below calculation correct ?
Lets say I paid IT of 10L , the PG charges itself would be 10*100000*0.85*1.18/100 = 10030. The milestone reward is 20000 points which is 20000*0.7 = 14000 in cash.

~4K for 10L payments -> 0.4% ?

No points. Only milestone based benefit. It will range from 2-2.5% that's all