So I figured I’d share my little credit card saga, mostly as a rant but also to hear from others who've been in the same boat.
My first-ever credit card was the Kotak Urbane, with a limit of ₹25K. As a first-timer, I was just excited to get approved and accepted whatever came my way. No complaints initially, it did the job.
Fast forward four years, and absolutely nothing has changed. Same limit. No proactive upgrades. Not a single meaningful offer from Kotak. Just inertia.
I’ve sent multiple emails over time asking for a card upgrade — especially to the Zen LTF, since I’ve seen a bunch of people here and on other forums say they've received it as a lifetime free variant.
Today, I finally got a call from the Nodal Officer, and what I heard caught me completely off-guard. I was straight-up told, “Kotak doesn’t offer LTF cards. That doesn’t exist.”
Now, I know for a fact that’s not true. There are folks here who’ve posted about their Kotak LTF cards. It just blew my mind that someone in that role would lie to me like that.
To be honest, I’d just close the card and move on, but this is my oldest credit card and closing it could hit my credit score. So I’m kind of stuck.
Has anyone faced something similar with Kotak?
Were you ever able to get a credit limit increase or upgrade after years of nothing?
Did you manage to get the Zen as LTF? If so, how?
Anyone else face strange or just blatantly false responses from customer support?
Appreciate any suggestions or stories. Just tired of being treated like my loyalty and usage) over the years means nothing.
My first-ever credit card was the Kotak Urbane, with a limit of ₹25K. As a first-timer, I was just excited to get approved and accepted whatever came my way. No complaints initially, it did the job.
Fast forward four years, and absolutely nothing has changed. Same limit. No proactive upgrades. Not a single meaningful offer from Kotak. Just inertia.
I’ve sent multiple emails over time asking for a card upgrade — especially to the Zen LTF, since I’ve seen a bunch of people here and on other forums say they've received it as a lifetime free variant.
Today, I finally got a call from the Nodal Officer, and what I heard caught me completely off-guard. I was straight-up told, “Kotak doesn’t offer LTF cards. That doesn’t exist.”
Now, I know for a fact that’s not true. There are folks here who’ve posted about their Kotak LTF cards. It just blew my mind that someone in that role would lie to me like that.
To be honest, I’d just close the card and move on, but this is my oldest credit card and closing it could hit my credit score. So I’m kind of stuck.
Has anyone faced something similar with Kotak?
Were you ever able to get a credit limit increase or upgrade after years of nothing?
Did you manage to get the Zen as LTF? If so, how?
Anyone else face strange or just blatantly false responses from customer support?
Appreciate any suggestions or stories. Just tired of being treated like my loyalty and usage) over the years means nothing.
