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Prologue: When the Kotak executive reached out to me for a card upgrade, initially he offered Royal Signature as LTF read more about this here (https://www.technofino.in/community/threads/kotak-royale-signature-unboxing.1754/). I was not interested in Royal Signature, instead I was more inclined...

How it started: Kotak has one of the supreme collection of cards when it comes to most unrewarding and boring credit cards. I was holding Kotak Urbane CC just for the namesake and occasionally used it for shopping on Amazon and Flipkart when the 10% discounts offers used to run (another one is...