Possibility of Paid Kotak to LTF for newbie?

[TheGuy]

Wanted to Get Kotak CC, started applying IOCL Kotak last month (Grocery being the draw and *Rupay*), but didn't want to pay fees, so stopped in address window. Now thought to get League Platinum and started application. It directly started from address and later Kotak IOCL was offered with no indication of fee or annual fee. LTF Rupay and Credit Line was main draw so accepted.

Received pdf of application next day and annual and joining fee were ticked and mentioned.

1. Can Kotak IOCL be made LTF?
2. If not can I get changed to Kotak League

Advice is needed. Thanks!
P.S. Look wise Kotak IOCL is most beautiful card ever. Finish is like ICICI Coral

 

[TheGuy]

Does c2c help?

No. Apart from HDFC Offline C2C and AU SwipeUp, it doesn't help in any bank. (For LTF Cards)

 

[smuff]

Try Kotak League. It is currently LTF.

League is basic card. Was looking if any other card being offered, it will be a card for offer only. How is your exeperience with kotak?

 

[Vasuki]

Any year end LTF offer from kotak? No relationship with kotak yet. Does c2c help?

Kotak cc are unofficially c2c .
U get 70-80% of your highest limit credit card in cibil

 

[TheGuy]

Was looking if any other card being offered, it will be a card for offer only

IOCL and Zen LTF for NTB Currently- try your luck there. Offer since 15th Feb. PVR was LTF in Jan, IDK Currently. Kotak has all cards as basic only- except some milestone in White and Some Lounges in Zen Etc. One Can always climb up the card ladder later. imo only IOCL, Myntra, PVR and White are something worth having from Kotak.

How is your exeperience with kotak?

I was seeing their application process - wanted fuel card in portfolio so was trying on that- went till application mid (address) then stopped- Got Amex for Fuel (Paytm 2.65 Charge, Amex 5 Gains = Net 2.35 and no fuss no muss). One month later thought to get LTF League for Rupay CC. Started application- direct from Address. Later IOCL was offered, no inclination for fees- as it is Rupay too- got it. Did KYC, got it approved in 7-8hrs post KYC- pdf in mail mentioned fees- didn't want fees- called Customer Care- they didn't budge- and hence this thread- later they closed.

As for customer care- there was low wait 3-4 mins, initial agents were courteous though not most efficient, there was static and hiss sound in call.
Overall my CS Experience Amex> SBI....... Kotak > ICICI (long queue, though twitter option is good) ......> Indus (IVR has bad options) > RBL (Knowledgeless Idiots) . Have not tested IDFC, Axis, HDFC.

 

[TheGuy]

U get 70-80% of your highest limit credit card in cibil

I had gotten 10% xD

Makes me wonder if they will reject me this time.

 

[smuff]

IOCL and Zen LTF for NTB Currently- try your luck there. Offer since 15th Feb. PVR was LTF in Jan, IDK Currently. Kotak has all cards as basic only- except some milestone in White and Some Lounges in Zen Etc. One Can always climb up the card ladder later. imo only IOCL, Myntra, PVR and White are something worth having from Kotak.


I was seeing their application process - wanted fuel card in portfolio so was trying on that- went till application mid (address) then stopped- Got Amex for Fuel (Paytm 2.65 Charge, Amex 5 Gains = Net 2.35 and no fuss no muss). One month later thought to get LTF League for Rupay CC. Started application- direct from Address. Later IOCL was offered, no inclination for fees- as it is Rupay too- got it. Did KYC, got it approved in 7-8hrs post KYC- pdf in mail mentioned fees- didn't want fees- called Customer Care- they didn't budge- and hence this thread- later they closed.

As for customer care- there was low wait 3-4 mins, initial agents were courteous though not most efficient, there was static and hiss sound in call.
Overall my CS Experience Amex> SBI....... Kotak > ICICI (long queue, though twitter option is good) ......> Indus (IVR has bad options) > RBL (Knowledgeless Idiots) . Have not tested IDFC, Axis, HDFC.

Thank you for detail info. At the same time this makes me wonder wheather I should go for kotak or not. Wanted a kotak card mainly for offer.

 

[Vasuki]

Thank you for detail info. At the same time this makes me wonder wheather I should go for kotak or not. Wanted a kotak card mainly for offer.

Zen ltf - yess .
Iocl - big noo

 

[TheGuy]

Zen ltf - yess .
Iocl - big noo

please explain ?

 

[Vasuki]

please explain ?

Whats there to explain .
Kotak iocl points are not credited correctly.. etc etc

Zen ltf atleast u get non Spends benefits

 

[TheGuy]

Kotak iocl points are not credited correctly.. etc etc

I was unaware about this

Zen ltf atleast u get non Spends benefits

Non spend benefits being?

 

[Vasuki]

I was unaware about this

Non spend benefits being?

Priority pass
3 international
8 domestic lounge