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Kotak White Credit Card being offered at Life Time Free

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.
 
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/


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.
 
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