Worst Experience with Kotak Credit Card

[zoro]

I have a Kotak Platina Salary Account(their highest variant in Salary account), but they issued only a League card as LTF, which I was not so happy but was like fine some card for getting discounts on my purchases at Flipkart/Amazon etc.

Recently I got an upgrade for PVR Platinum card FYF, it was a simple process, with no terms and conditions asked during this process, but soon after the new card was issued all my points in my League card was slashed off, when I contacted their customer care they told there is no way for me to get back my points and it is just gone.

After multiple calls and retries, still there was no hope and at this point I was actually frustrated and asked them to close the credit card itself, they were like yes sure but did not process it. After multiple attempts I was able to close the card, and no one contacted me or tried to stop me from closing the card.

I have not got any response even after complaining to their grievnece team, anyone any suggestions on what I can do?

Also planning to close my relationship entirely with Kotak, so anyone any suggestions on creating new salary account? My net take home salary is more than 1.2lakhs per month.

 

[AsB]

I have a Kotak Platina Salary Account(their highest variant in Salary account), but they issued only a League card as LTF, which I was not so happy but was like fine some card for getting discounts on my purchases at Flipkart/Amazon etc.

Recently I got an upgrade for PVR Platinum card FYF, it was a simple process, with no terms and conditions asked during this process, but soon after the new card was issued all my points in my League card was slashed off, when I contacted their customer care they told there is no way for me to get back my points and it is just gone.

After multiple calls and retries, still there was no hope and at this point I was actually frustrated and asked them to close the credit card itself, they were like yes sure but did not process it. After multiple attempts I was able to close the card, and no one contacted me or tried to stop me from closing the card.

I have not got any response even after complaining to their grievnece team, anyone any suggestions on what I can do?

Also planning to close my relationship entirely with Kotak, so anyone any suggestions on creating new salary account? My net take home salary is more than 1.2lakhs per month.

Not all banks transfer the reward points.
I know, HDFC is an exception.

 

[zoro]

Not all banks transfer the reward points.
I know, HDFC is an exception.

In my past SBI had transferred it, also it is not just about the reward points, the customer service is so annoying they promise something and I am given something else.

 

[Gautham]

I have a Kotak Platina Salary Account(their highest variant in Salary account), but they issued only a League card as LTF, which I was not so happy but was like fine some card for getting discounts on my purchases at Flipkart/Amazon etc.

Recently I got an upgrade for PVR Platinum card FYF, it was a simple process, with no terms and conditions asked during this process, but soon after the new card was issued all my points in my League card was slashed off, when I contacted their customer care they told there is no way for me to get back my points and it is just gone.

After multiple calls and retries, still there was no hope and at this point I was actually frustrated and asked them to close the credit card itself, they were like yes sure but did not process it. After multiple attempts I was able to close the card, and no one contacted me or tried to stop me from closing the card.

I have not got any response even after complaining to their grievnece team, anyone any suggestions on what I can do?

Also planning to close my relationship entirely with Kotak, so anyone any suggestions on creating new salary account? My net take home salary is more than 1.2lakhs per month.

You trying to get PVR card means u r interested in movie tickets. So create a salary account in ICICI on condition that they give u Saphiro LTF which has BOGO upto 500Rs. IDFC Select is also an option but it's capped upto 250Rs only.

 

[AsB]

In my past SBI had transferred it, also it is not just about the reward points, the customer service is so annoying they promise something and I am given something else.

Yes. Same experience here. But, ICICI too does not transfer reward points after card upgrade. Btw, did you read their terms and conditions of the upgrade?

 

[zoro]

I already have IndusInd EazyDiner which gives my 2 free movie tickets per month, also I have 4 add-on cards, so effectively I get 10 free movie tickets every month just like that without any issue.

Also, with IndusInd it is not BOGO, so I can even book 10 individual tickets.

I have 8 credit cards from different banks, I was thinking of anything that would help me with getting cashback on paying credit card bills.

 

[zoro]

Yes. Same experience here. But, ICICI too does not transfer reward points after card upgrade. Btw, did you read their terms and conditions of the upgrade?

That is the main issue here, there was no terms and conditions showed to me during the upgrade process, I clearly told them this, their response was we do not have the option to see Terms and Conditions on the page where we have upgrade option and it will be shown soon in coming days.

 

[Gautham]

I already have IndusInd EazyDiner which gives my 2 free movie tickets per month, also I have 4 add-on cards, so effectively I get 10 free movie tickets every month just like that without any issue.

Also, with IndusInd it is not BOGO, so I can even book 10 individual tickets.

I have 8 credit cards from different banks, I was thinking of anything that would help me with getting cashback on paying credit card bills.

then it makes no sense that you went for a fee based PVR Card. 😐

 

[AsB]

I already have IndusInd EazyDiner which gives my 2 free movie tickets per month, also I have 4 add-on cards, so effectively I get 10 free movie tickets every month just like that without any issue.

Also, with IndusInd it is not BOGO, so I can even book 10 individual tickets.

I have 8 credit cards from different banks, I was thinking of anything that would help me with getting cashback on paying credit card bills.

So, my question would be, why did you want a PVR card from Kotak?

If not, ask them to gice you Zen or White as LTF

 

[zoro]

So, my question would be, why did you want a PVR card from Kotak?

If not, ask them to gice you Zen or White as LTF

they were not giving me LTF, so I was like fine let me take PVR instead since it is a lil better than Kotak League.

Forget LTF, they did not even waive off joining fee.

 

[MOhit __]

they were not giving me LTF, so I was like fine let me take PVR instead since it is a lil better than Kotak League.

Forget LTF, they did not even waive off joining fee.

Got ZEN ltf within two months after opening zero balance 811 account 😐😐

 

[Andy1]

My HDFC bank is no exception. Worst ever bank HDFC bank in terms of resolution

 

[zoro]

Got ZEN ltf within two months after opening zero balance 811 account 😐😐

i think your lucky dude, and I'm not sure why they do these differently with different customers

 

[zoro]

My HDFC bank is no exception. Worst ever bank HDFC bank in terms of resolution

i think if they are pretty sure that a customer won't leave the bank and is in need for an offer or card, they will not tend to them properly so that they can make money by making us pay joining fee and other fee. After all they are banks they're there to make money from us 😂

 

[purush]

Kotak is worst expericen which i have . I transferred my salary account to Axis .

 

[vip3rc5]

I use ICICI Titanium Salary account and it's good, no card charges etc. So I would suggest to choose between ICICI or HDFC Salary Account.
Would advise to avoid using PSU banks for Salary

 

[vysakh]

I have not got any response even after complaining to their grievnece team, anyone any suggestions on what I can do?

Raise a complaint on RBI CMS and furnish all details.

 

[Andy1]

i think if they are pretty sure that a customer won't leave the bank and is in need for an offer or card, they will not tend to them properly so that they can make money by making us pay joining fee and other fee. After all they are banks they're there to make money from us 😂

Everything is Not just about money but quality too.

 

[zoro]

Raise a complaint on RBI CMS and furnish all details.

last time i tried, the page showed it's down due to technical reasons 🤣

 

[zoro]

Everything is Not just about money but quality too.

Agreed, in my case HDFC i have had no issues so far, it has always been the case only with Kotak