-
Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.
Kotak Bank Credit Card Limit Enhancement
- Thread starter Anil_Singh
- Start date
Anil_Singh
TF Ace
I also thinks the same. Because I had 1.62 L credit limit of SBI card. Kotak offered me the same limit (after increasing).
mashreq
TF Buzz
I recieved a LE offer as well last week. They issued me a Zen Signature LTF based on my 811 account in Nov-22. Till date Made only a single spend on my card at the time of setup. At issuance i had a limit of 4.5L and now they’ve bumped it to 8.25L. I was quite surprised and happy at the same time when i saw the email and accepted it right away!
Wanted to know that Does Kotak give a LE quite often and is it always this generous?
Also How is the acceptance of Kotak Cards in terms of using it to apply for C2C for other cards? Asking As i would consider using it for this post completing a year.
Wanted to know that Does Kotak give a LE quite often and is it always this generous?
Also How is the acceptance of Kotak Cards in terms of using it to apply for C2C for other cards? Asking As i would consider using it for this post completing a year.
rockyBalboa
TF Premier
How long you had your 811 account before you got preapproved credit card? Also how you managed your account? Balance, spend etc.
mashreq
TF Buzz
I had opened my 811 account Mid September 2022 primarily to use the Kotak Virtual Debit card for any Online offers. I was specifically using it on EazyDiner as there were good offers back then giving 30% off on Kotak Debit Cards. Must’ve used it 4-5 times and practically that was the only amount i ever transferred into my 811 account for transacting. EazyDiner later reduced their offers so I haven’t been using the 811 account since December so might close it in the future.
In November i had recieved a call from the Kotak Credit Card Team and they said they would want to offer a card based on my account with them. I said i would only consider taking a card if its LTF as i knew there’s no decent Kotak Card and I only would be using it for Online offers so they offered me the Zen Signature Card LTF. As far as i recall there wasn’t any CIBIL hit too as i believe it was a pre approved offer from their end. Nonetheless i was happy when I recieved as the limit offered was higher than any card i owned at that point.
Coming Back to the present its been less than 3 months since i got my card and they’ve already given a 1.83X enhancement so no complaints xD
Do you use your card on regular basis?
He is having similar limits on all his cards.Looks you are giving tough competition to everyone in terms of overall CC Limit. Congrats Brother
so 2.9x limit and you didn't even generate statements damn bro.
I got 3x LE an Kotak after 2 months
2 months of issuing card? damn. You must have used card alot.
itachiuchiha
TF Buzz
Did you open account in sep 2021 or 2022...i.e you got cc offer after 2 months or 1 year?
Anil_Singh
TF Ace
I opened 811 account on 2nd Sep 2022, got pre-approved card offer on 26 Nov 2022 and then my card generated and delivered in next 3-4 days.
mashreq
TF Buzz
I had opened mine in September 2022 just as i mentioned in my post. I got a call too in November 2022 from their Credit Card Team just like @anilsingh8248
itachiuchiha
TF Buzz
Ok doubt cleared...because i opened account in dec yet no offer
mashreq
TF Buzz
Ideally before end of March you should recieve usually these Credit Card Teams seem to get more aggressive towards Quarter/Year End
