Offer Fulfilled! Kotak Myntra (Paid) To Zen (LTF) Conversion

[SSV]

Hi Guys / Gals,

As Myntra card is getting closed from next month , I converted my Myntra paid card to Zen LTF.

The Steps involved:

1) Call CC ( 1860 266 2666 )and Convert Myntra card to Zen Paid card - you can do this manually
2) Once you receive the Zen card, Dont activate the card.
3) Call CC and ask if there is any LTF offer is available.. The offer should be available if you have a higher CL ... ( I have 2.8L CL, I guess it should work if it is more than 1L CL)..
3) They will raise a cancellation request first.
4) Retention team will call you after 30 mins or so and verify your identity and then convert your Zen card to LTF and you will get Email as well..

All the best,...

 

[akiratoriyama]

Wonder if I can upgrade my kotak privy league ltf card to some other card using a similar trick. Then again kotak cards are only useful for offers I feel, which are far and few between.

 

[shu_sha_]

Wonder if I can upgrade my kotak privy league ltf card to some other card using a similar trick. Then again kotak cards are only useful for offers I feel, which are far and few between.

Kotak doesn't offer card upgrade via retention
You might end up loosing your Privy League card as well

 

[navdeep22]

There is no use of zen bro, other than international lounge access on swiping credit card via priority pass.
Have it LTF from few years

 

[SSV]

There is no use of zen bro, other than international lounge access on swiping credit card via priority pass.
Have it LTF from few years

I too just want a LTF Kotak card.. that’s it
As Myntra (paid) is getting closed , wanted a LTF Kotak card for offers.. the higher variant, the better while it being LTF, that is the strategy

 

[PrinceHeart]

There is no use of zen bro, other than international lounge access on swiping credit card via priority pass.
Have it LTF from few years

I use it specially for 0 fees in irctc when i want train booking.

I too just want a LTF Kotak card.. that’s it
As Myntra (paid) is getting closed , wanted an LTF Korak card for offers.. the higher variant, the better while it being LTF, that is the strategy

I got 6L cl on my zen card. Paid annual charge in april, called support and want to close. I said no need really as i have other bank cards give more rewards %. They refunded the fees, refunded the gst as well.

So i got this cc free this yr as well. Lets see whats the scenario next yr. I see upgrade to white card but paid. White card no use for me really. But white reserve is nice, but too many terms to get it though.

 

[navdeep22]

I use it specially for 0 fees in irctc when i want train booking.



I got 6L cl on my zen card. Paid annual charge in april, called support and want to close. I said no need really as i have other bank cards give more rewards %. They refunded the fees, refunded the gst as well.

So i got this cc free this yr as well. Lets see whats the scenario next yr. I see upgrade to white card but paid. White card no use for me really. But white reserve is nice, but too many terms to get it though.

Can u elaborate about 0 fee on irctc?

 

[SSV]

Can u elaborate about 0 fee on irctc?

I think it is this :

 

[PrinceHeart]

Can u elaborate about 0 fee on irctc?

Surcharge waiver. Max Rs500 per yr.

 

[Deepak_9155]

my myntra cc limit is 50k
issued in august 2023 !

will it work for me ?? @SSV

 

[akiratoriyama]

Kotak doesn't offer card upgrade via retention
You might end up loosing your Privy League card as well

Yeah haven't bothered due to that. My highest limit card too so useful for c2c sometimes.

 

[SSV]

my myntra cc limit is 50k
issued in august 2023 !

will it work for me ?? @SSV

Unfortunately No,
First try to get Limit Enhancement.. then you can try

 

[navdeep22]

Surcharge waiver. Max Rs500 per yr.

View attachment 101562

I have read this. But book irctc tickets on regular basis, and never seen surcharge on credit cards payment. Where can I see surcharge while booking ticket?

 

[PrinceHeart]

I have read this. But book irctc tickets on regular basis, and never seen surcharge on credit cards payment. Where can I see surcharge while booking ticket?

Seriously ?

Next time you book your tickets via irctc, Take note of total, then choose credit card as mode of payment. On next page, it will show the total with surcharge as well.

And whenever you choose mode of payment or any other mode, under the category there are surcharge info written.

Maybe you book in hurry most of the time, thats why never seen surcharge info.

 

[navdeep22]

3 screenshots attached
Payment details from irctc app
Total payment from email for UPI payment
Total payment from email of another ticket which has 10₹ extra convience fee and payment details

Where can I check surcharge?

 

[navdeep22]

Seriously ?

Next time you book your tickets via irctc, Take note of total, then choose credit card as mode of payment. On next page, it will show the total with surcharge as well.

And whenever you choose mode of payment or any other mode, under the category there are surcharge info written.

Maybe you book in hurry most of the time, thats why never seen surcharge info.

. . .

 

[PrinceHeart]

3 screenshots attached
Payment details from irctc app
Total payment from email for UPI payment
Total payment from email of another ticket which has 10₹ extra convience fee and payment details

Where can I check surcharge?View attachment 101584View attachment 101585View attachment 101586

Irctc ipay 1.8% + 18% gst for cc use. For icici its1% + 18% gst.

The final price will get calculated on the otp page.

Rupay and upi is free to use. No surcharge. Thats why you did not pay any surcharge. It says the surcharge % when you go to choose your mode of payment.

 

[PrinceHeart]

. . .

This is 1% fuel surcharge cashback pic. You seem to get cashback on both your fuel purchases. What about this ?

 

[navdeep22]

View attachment 101590

View attachment 101591

Irctc ipay 1.8% + 18% gst for cc use. For icici its1% + 18% gst.

The final price will get calculated on the otp page.

Rupay and upi is free to use. No surcharge. Thats why you did not pay any surcharge. It says the surcharge % when you go to choose your mode of payment.

Bro, for credit card I use hdfc gateway, never charged a dime extra

 

[navdeep22]

View attachment 101590

View attachment 101591

Irctc ipay 1.8% + 18% gst for cc use. For icici its1% + 18% gst.

The final price will get calculated on the otp page.

Rupay and upi is free to use. No surcharge. Thats why you did not pay any surcharge. It says the surcharge % when you go to choose your mode of payment.

It's written on gateways but never payed any surcharges on pas 50-60 railway ticket bookings in past 2-3 years, and 20-30% of them would have been from credit card