Kotak White Credit Card being offered at Life Time Free

[Subhankar]

Kotak is offering Life Time Free variant of Kotak White Credit card. Try your luck.

Kotak Credit Card

Kotak Credit Card

cards.kotak.com

 

[Harry1]

Not able to apply, as I recently applied😭.

 

[Shrinit Padwal]

Kotak is offering Life Time Free variant of Kotak White Credit card. Try your luck.

Kotak Credit Card

Kotak Credit Card

cards.kotak.com

I already have League Platinum LTF - got 2 months back - should I apply and will I get it? Is there any cooldown period

 

[Walter White]

Showing 3k fee while applying 😔

 

[amit]

applied and approved couple of hrs ago without doc, no prior relationship with kotak. the magic is in the URL replace fee code value with 100 for FYF, 101 for LTF and 102 for paid version. but dont know if they honour the same or not if they find this loophole.

 

[WhoU]

It shows charges after submitting OTP

 

[rogerthat]

The website says:

"This card required a minimum annual income of Rs. 25 lakhs"

So does this mean it isn't required anymore? Or that the folks at Kotak are English grammar challenged?

 

[ARV]

Following

 

[amit]

The website says:

"This card required a minimum annual income of Rs. 25 lakhs"

So does this mean it isn't required anymore? Or that the folks at Kotak are English grammar challenged?

depend upon income and where you work.

 

[amit]

It shows charges after submitting OTP

check on laptop/pc browser

 

[Shrinit Padwal]

Guess I wasted a CIBIL enquiry - showing LTF on first page - charges after OTP

 

[akshayhs]

Shows joining and renewal fee for me as well. As it is showing pre-approved offer and that I am an existing customer I am only hoping no enquiries have been made. But, let's see.

 

[Walter White]

Guess I wasted a CIBIL enquiry - showing LTF on first page - charges after OTP

If you already have a Kotak card, you won't get a hit if you apply for any other Kotak card

 

[Avangerritesh]

It shows 3k joining and annual fees after submitting otp

 

[zaid_2913]

If you already have a Kotak card, you won't get a hit if you apply for any other Kotak card

Are you sure about this?

 

[rogerthat]

Same here. Guess it is some glitch. No CIBIL hit showing up until now.

 

[Walter White]

Are you sure about this?

Learnt about this from @anirban.choudhury.

 

[gamersgzb]

Is this card better than zen... I have LTF Zen card...

 

[zaid_2913]

Learnt about this from @anirban.choudhury.

i am tempted to apply, but don’t want to waste a CIBIL hit.

 

[rogerthat]

Like @amit mentioned this is only a URL manipulation to show different values in the fee fields. For instance the Zen card:

//https://cards.kotak.com/card-details?productLogo=300&channelCode=SF96&feeCode=301/

Kotak Credit Card

Kotak Credit Card

cards.kotak.com

Change the &feeCode=301 value to 300 and the page will show zero Annual and Joining fees. Only the front end shows LTF/FYF/Paid according to the value you enter in the URL and its corresponding parameter value stored in Kotak CMS. This does not change anything in the backend which means the card is still paid until the bank offers it to you as free.

The only thing we learn here is that Kotak systems are probably not very smart.