Kotak 811 Infinity Metal Debit Card – Unboxing & First Impressions

[Koushikdas24]

yes , visit branch and it will be opened

Just visited branch. Still not opening after entering pan details.

Thinking about complaining to RBIO, not sure if anything will happens

 

[Koushikdas24]

I escalated the issue with all three levels of grievance redressal of Kotak. Once I got reply from PNO that account cannot be opened, I further raised a complaint in RBI BO website. So I didn’t have to wait for 30 days, as PNO rejected my request.

As for the draft, I don’t think my version would work in your case, as it was mostly a long and detailed timeline of events as I had visited multiple branches in the city and KYC officers.

I suggest giving a shot online as few people in here did reply that they did manage to reopen 811 account after closing it.

If that doesn’t work try the offline branch route.

Then move onto all three levels of grievance redressal and then only to BO.

Good luck in your adventure 🤞

First, branch agent can't open, after PAN entering throws error. He says you can't open now, try later. Clueless
Secondly, cs also told if you had a 811 AC and for however reason it closed, you can't open again.

Thirdly, while complaining in level 1 throws me an error Oops , something went wrong. we can't process your request. Please try again later.

Can you share their mail id? Also give me some article to shoot at them.

 

[badg3rbyte]

Damn you got the 250 voucher pretty quickly.
Here I am waiting for it for 1.5 months lol

Are you sure you opened during the offer period?
I opened the account on Friday with the agent, got 250 voucher on Monday, 1000 voucher on Wednesday. Initially, there was no update on metal card and the agent assured that I'll get it. Didn't call customer care. I think I got card update on Tuesday and Wednesday, the card was delivered.
So, I'd say, chill guys... It'll come, if the agent applied for Metal DC. Card feels very nice 👌
Also, I read in this thread ig that the voucher offer and Card offer cannot be combined. Seems like it is incorrect.

Also, though I was wanting to apply for Metal card, he was more interested - so definitely they have some sort of incentive. Also, they have their regional whatsapp group in which daily achievements - x no. of metal cards applied - posted.

 

[sousnake]

Are you sure you opened during the offer period?
I opened the account on Friday with the agent, got 250 voucher on Monday, 1000 voucher on Wednesday. Initially, there was no update on metal card and the agent assured that I'll get it. Didn't call customer care. I think I got card update on Tuesday and Wednesday, the card was delivered.
So, I'd say, chill guys... It'll come, if the agent applied for Metal DC. Card feels very nice 👌
Also, I read in this thread ig that the voucher offer and Card offer cannot be combined. Seems like it is incorrect.

Also, though I was wanting to apply for Metal card, he was more interested - so definitely they have some sort of incentive. Also, they have their regional whatsapp group in which daily achievements - x no. of metal cards applied - posted.

I got 250 voucher as well within 3 days but haven't received 1000 voucher yet. Have got metal card 8 days back.
Whom to reach out for this?

 

[safetorpedo2]

Are you sure you opened during the offer period?
I opened the account on Friday with the agent, got 250 voucher on Monday, 1000 voucher on Wednesday. Initially, there was no update on metal card and the agent assured that I'll get it. Didn't call customer care. I think I got card update on Tuesday and Wednesday, the card was delivered.
So, I'd say, chill guys... It'll come, if the agent applied for Metal DC. Card feels very nice 👌
Also, I read in this thread ig that the voucher offer and Card offer cannot be combined. Seems like it is incorrect.

Also, though I was wanting to apply for Metal card, he was more interested - so definitely they have some sort of incentive. Also, they have their regional whatsapp group in which daily achievements - x no. of metal cards applied - posted.

I applied in mid June, already got the 1k voucher for card spends, so its unlikely that I'm outside the offer timeline as both the 1k and 250 voucher are under the same offer name

 

[badg3rbyte]

I got 250 voucher as well within 3 days but haven't received 1000 voucher yet. Have got metal card 8 days back.
Whom to reach out for this?

I think you should contact customer care and see. The 1000 rs voucher has a 1k spending condition either by DC or UPI. I assume you would've done that. I think even P2P UPI counts as my 1k+ transaction was P2P. If you've done that, then you should get, considering you got the 250 voucher.

I applied in mid June, already got the 1k voucher for card spends, so its unlikely that I'm outside the offer timeline as both the 1k and 250 voucher are under the same offer name

250 voucher is for 25k+ initial funding. If you've done 81.1k, then you should get the voucher as well. Check with customer care.

Also, are you sure you haven't missed any messages? Try searching with tags like "Funding offer" or something like that.

 

[sousnake]

I think you should contact customer care and see. The 1000 rs voucher has a 1k spending condition either by DC or UPI. I assume you would've done that. I think even P2P UPI counts as my 1k+ transaction was P2P. If you've done that, then you should get, considering you got the 250 voucher.

250 voucher is for 25k+ initial funding. If you've done 81.1k, then you should get the voucher as well. Check with customer care.

Also, are you sure you haven't missed any messages? Try searching with tags like "Funding offer" or something like that.

yeah I did 1520 rs transaction on fuel pump using debit card tap. I even got 5% cb on that but not 1000 voucher.
will mail customer care.

 

[thomasjackson]

Do international spends give 5% cashback on 811 super using the metal dc?

 

[yoloof]

has anyone tried forex online or cash withdrawal charges with the metal card yet? any clarity on charges?

 

[Lynx]

Yesterday, I went to the Kotak branch, and the agent said Metal DC will not LTF. I asked, What if I fund ₹82k? He replied, That’s the basic requirement — you need to fund ₹80–₹82k to apply Infinity Metal DC, but it will still be chargeable at ₹999 + GST.

Ig he didn't want to apply metal DC idk why but i guessed.

 

[Z_S]

Yesterday, I went to the Kotak branch, and the agent said Metal DC will not LTF. I asked, What if I fund ₹82k? He replied, That’s the basic requirement — you need to fund ₹80–₹82k to apply Infinity Metal DC, but it will still be chargeable at ₹999 + GST.

Ig he didn't want to apply metal DC idk why but i guessed.

Talk to different branch or if you want then can send you the bank agent number who will help to open your account mostly covering all areas

 

[Ram1]

Talk to different branch or if you want then can send you the bank agent number who will help to open your account mostly covering all areas

They need thumb right

 

[Lynx]

Talk to different branch or if you want then can send you the bank agent number who will help to open your account mostly covering all areas

Only 1 kotak branch in my city,
i don't have his number.
Actually he was ready to continue with metal DC, but he was telling that the dc Will be chargeable.( Should i tell him to continue with metal DC?
Maybe he doesn't know about charge stuff or he is right?) also he was telling: "kya karenge aap metal debit card le ke plastic hi le lijiye aapke liye sahi rahega kyu faltu me charge denge"

 

[sousnake]

Yesterday, I went to the Kotak branch, and the agent said Metal DC will not LTF. I asked, What if I fund ₹82k? He replied, That’s the basic requirement — you need to fund ₹80–₹82k to apply Infinity Metal DC, but it will still be chargeable at ₹999 + GST.

Ig he didn't want to apply metal DC idk why but i guessed.

You can show him pdf where it is clearly mentioned that metal dc is free for kotak super account for NTB customer.
In my case same thing happened but when I showed him pdf, he discussed with someone in bank and then said yes it is free.
Then he give his phone to me and said you can fill youself all details and select metal dc in last step.

 

[Lynx]

You can show him pdf where it is clearly mentioned that metal dc is free for kotak super account for NTB customer.
In my case same thing happened but when I showed him pdf, he discussed with someone in bank and then said yes it is free.
Then he give his phone to me and said you can fill youself all details and select metal dc in last step.

Can you share the PDF?

 

[thomasjackson]

Yesterday, I went to the Kotak branch, and the agent said Metal DC will not LTF. I asked, What if I fund ₹82k? He replied, That’s the basic requirement — you need to fund ₹80–₹82k to apply Infinity Metal DC, but it will still be chargeable at ₹999 + GST.

Ig he didn't want to apply metal DC idk why but i guessed.

I guess he must be confused between the joining and renewal fee.

Joining fee is 4999 + GST
Renewal fee is 999 + GST

As long as the customer enrolled in 811 super program, both these charges are waived.

Additional condition for joining fee waiver is IP >= 81.1K during offline KYC

If you opt out of the 811 super, then only annual fee is charged

Source

 

[Lynx]

I guess he must be confused between the joining and renewal fee.

Joining fee is 4999 + GST
Renewal fee is 999 + GST

As long as the customer enrolled in 811 super program, both these charges are waived.

Additional condition for joining fee waiver is IP >= 81.1K during offline KYC

If you opt out of the 811 super, then only annual fee is charged

Source

Thanks brother will tell him to continue with metal DC.

 

[badg3rbyte]

Chan

Do international spends give 5% cashback on 811 super using the metal dc?

Chances of that is pretty low. I don't think they'll give, considering the fact that forex markup is waived off.
Also, just wondering.... Considering that international spends might be higher, cashback is anyway limited to 500 per month. Would it be of any use? 🤔

 

[Koushikdas24]

Can you pls share the draft that you have written to rbi ombudsman.? Btw, did you follow 30 days and 3 reminders process or directly to RBIO ? I am also facing same issue. My account is 13 yrs and redundant. I have the email of closure of old account. But still kotak says u have CRN and can't open 811 ss account. So I will also approach RBIO .

Woohoo man, just completed my vkyc anddd got confirmation from them.
I won't get any metal card though but it's tolerable.

Trick- if they're not allowing to 811 again, try opening a normal AC. Complete their vkyc just at last page don't fund your AC, close the window. After sometime or next day try opening 811 and bam you will be able to vkyc for 811 or super.

 

[Adith]

I think you should contact customer care and see. The 1000 rs voucher has a 1k spending condition either by DC or UPI. I assume you would've done that. I think even P2P UPI counts as my 1k+ transaction was P2P. If you've done that, then you should get, considering you got the 250 voucher.

250 voucher is for 25k+ initial funding. If you've done 81.1k, then you should get the voucher as well. Check with customer care.

Also, are you sure you haven't missed any messages? Try searching with tags like "Funding offer" or something like that.

Thank you for this !! I had opened in July but never recieved the coupons. Searched for " funding offer " and voila , there they are in my SMS history ! Redeemed both 1000 and 250 for flipkart voucher.