which kotak credit card makes sense!

[Vasuki]

1- kotak white reserve ( lets not talk about trash)
2- kotak white ( is it offered ltf or only a paid card ) other than lounge access ! Anyone has any experience
3- zen signature ( is this best visa Ltf card offered by kotak )
4- league Platinum ( low tier ltf )
5,6,7- lets not talk about mojo ,pvr & xa ching 🗑️ trash .

 

[helloworld]

What is the value back of zen signature? It's 5 zen point every 150 rs.

1.67% and 0.83%

 

[techt]

I m not getting white reserve nor interested 😂 bcz it can't be ltf .
Yes White reserve has cumulative reward not for particular transaction

Spends Milestone*	White Pass earns	Total White Pass Value
3L	₹ 5,000	₹ 5,000
10L	₹ 15,000	₹ 20,000

Earn White Pass value on crossing every spend milestone

• 1 White Pass = ₹1 on White Pass catalog (for all options except cashback)
• 1 White Pass = ₹0.70 for cashback

SO for 3L milestone in terms of CB its

5000*0.7*100/300000 = 1.16%
Even the voucher CB is

5000*100/300000 = 1.67 %
So, not worthy.

 

[Vasuki]

Spends Milestone*	White Pass earns	Total White Pass Value
3L	₹ 5,000	₹ 5,000
10L	₹ 15,000	₹ 20,000

Earn White Pass value on crossing every spend milestone

• 1 White Pass = ₹1 on White Pass catalog (for all options except cashback)
• 1 White Pass = ₹0.70 for cashback

SO for 3L milestone in terms of CB its

5000*0.7*100/300000 = 1.16%
Even the voucher CB is

5000*100/300000 = 1.67 %
So, not worthy.

Yes & there is no joining benefits on 12.5 k fees .. just some membership

 

[helloworld]

Mojo is rupay i guess ( already have Myntra)

Mojo VISA primarly, recently they're giving in Rupay also and useful for 1st year only (2nd year onwards no milestone, kotak rule).

1 Mojo = 0.40p (if redeemed through contacting support - online redemption is usual 0.25p, Kotak rule).

Other - 0.4%
Online - 1%
Milestone - 1.3%

upto 2.3% in a quarter for 75k spends.

 

[Desu Sarath]

Kotak is the only bank never called me after i stopped my CC application in Mid way. I was happy about that, many banks will spam and kill peace of mind.

 

[helloworld]

Kotak is the only bank never called me after i stopped my CC application in Mid way. I was happy about that, many banks will spam and kill peace of mind.

calling sometimes heps for others that if any issues they're facing with application or need further help, they can resolve or provide solutions. Agree, once we conveyed our interest they should stop but not completely.

 

[Vasuki]

calling sometimes heps for others that if any issues they're facing with application or need further help, they can resolve or provide solutions. Agree, once we conveyed our interest they should stop but not completely.

If i take paid zen signature ..will they convert in into ltf after 6 month..or i should press for any ltf card before card activation

 

[sam1803]

If i take paid zen signature ..will they convert in into ltf after 6 month..or i should press for any ltf card before card activation

Currently they are offering Zen signature LTF for NTB. Just look in TF for zen signature thread. I too have applied through that post just for Kotak Bank offers. If you are interested in Kotak Myntra you can try to apply from Myntra app they are running 0 joining fees and 0 annual fees for upto 3 years, but this annual fees can be on the basis of 500 Myntra Voucher or fees reversal.
Kotak Myntra Thread
Kotak Zen and IOCL

 

[Tejo]

which kotak credit card makes sense!​

For whom ?

Our answer depends on that.

For a first timer, any CC is wonderful.

For a 2-3 yr old CC user, Kotak CCs are great - to get a card of his/her choice - that too with good limit and on LTF basis.

For others, like us, it depends on what CCs we hold currently and also on what CCs we are looking for.

Remember, no card is trash.

Dada, in this age too you have completed PhD in credit cards analyst

 

[lightwaves]

Firstly why do you need a kotak credit card ?

What's the use of kotak credit cards

My thoughts exactly! There's no online sale offer also

 

[lightwaves]

which kotak credit card makes sense!​

For whom ?

Our answer depends on that.

For a first timer, any CC is wonderful.

For a 2-3 yr old CC user, Kotak CCs are great - to get a card of his/her choice - that too with good limit and on LTF basis.

For others, like us, it depends on what CCs we hold currently and also on what CCs we are looking for.

Remember, no card is trash.

This is the approach we should take. we should go for or ignore a card based on requirement.

 

[Vasuki]

Currently they are offering Zen signature LTF for NTB. Just look in TF for zen signature thread. I too have applied through that post just for Kotak Bank offers. If you are interested in Kotak Myntra you can try to apply from Myntra app they are running 0 joining fees and 0 annual fees for upto 3 years, but this annual fees can be on the basis of 500 Myntra Voucher or fees reversal.
Kotak Myntra Thread
Kotak Zen and IOCL

Thanks i m not NTB .. already having Kotak myntra.

My thoughts exactly! There's no online sale offer also

Icici is Behaving like Math's teacher .hence no cc from them
Kotak is same in giving limit .. so for getting higher limit..i m looking forward to visa powered LtF Kotak card .( Which has some value )

 

[Vasuki]

This is the approach we should take. we should go for or ignore a card based on requirement.

He is retired already have everything under his experience....i m into collecting card spree 😁

 

[helloworld]

If i take paid zen signature ..will they convert in into ltf after 6 month..or i should press for any ltf card before card activation

you have high chances in first 30 days, try once.. possible.

 

[#aniket]

Mojo is rupay i guess ( already have Myntra)

It's also available on Visa Network.

 

[Vasuki]

you have high chances in first 30 days, try once.. possible.

So i should take the delivery and call them without activation.

Yes in app the card started showing

 

[Vasuki]

It's also available on Visa Network.

I like zen more its like regalia tier equilvent to Hdfc ... Not in reward just for context..
Lets see if i can get it ltf

 

[lightwaves]

He is retired already have everything under his experience....i m into collecting card spree 😁

Got it bro, will be following this thread closely, will come in handy, TIA

 

[#aniket]

@helloworld How do you compare Zen & Mojo, your view?

 

[its_karan]

If you already have a conclusion on these cards, why open a thread for this? Does this thread even make sense?