How to get credit card upgrade

[kanhaiyabsy]

I'm holding kotak league cc for last 3 years, recently after ban removal , I was able to see zen and white with null joining and null annual free, on applying not able to procide on kotak old application,
Letter no pre-approved upgrade

but currently showing zen with joining and annual fee,
How to upgrade with null joining and annual free?
Guide

 

[Cosmicgaze]

They rarely do give white as ltf unless you fight with retentions team. Zen sometimes but not often. Kotak usually refreshes the offer with a better offer every month. Wait for festive season should get something if lucky.