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How long it takes to get Kotak Pre-Approved CC offers for new 811 account?

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StanRoute66

StanRoute66

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Just a few days ago , I opened Kotak 811 Account . What is the general timeframe for me to start getting LTF Credit Card offers ? I will be using this account for paying my CC Bills for now .
So , Kindly Share your Experiences in this thread and tell us what Pre-approved card did you get as a 811 Customer ? also let me know if there is a process to get LTF White Card Upgrade from another Kotak Credit Card ?
 
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StanRoute66 said:
Just a few days ago , I opened Kotak 811 Account . What is the general timeframe for me to start getting LTF Credit Card offers ? I will be using this account for paying my CC Bills for now .
So , Kindly Share your Experiences in this thread and tell us what Pre-approved card did you get as a 811 Customer ? also let me know if there is a process to get LTF White Card Upgrade from another Kotak Credit Card ?
Click to expand...
Minimum six months required to get pre approved card, myself opened account with Kotak on 2019 within six months received preapproved league platinum card offer hence I applied process as usual same physical verification was happened both office and residence card application submit to receipt of card is 15 days, now they...
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AllSeeker said:
If you have FD based cc in kotak, you can basically forget about getting unsecured cc from kotak

Even if you closed that one and after a year or so apply for one, it will still be difficult.
Click to expand...
What's the reason for that? You have personal experience on this or any information received from branch that's it's difficult to get unsecured card if you ever use secured card from Kotak? Kindly share more light on this.
 
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alanabraham said:
What's the reason for that? You have personal experience on this or any information received from branch that's it's difficult to get unsecured card if you ever use secured card from Kotak? Kindly share more light on this.
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It's not about secure or unsecure Credit Card. if you get any one Credit Card from any bank, generally you will not be offered any second card from the same bank as a Part of Pre-Approved offer even if you surrendered the first one.

Reason behind when you take any one Credit card, one account number is generated which is associated with the Credit Card.
Now whenever the intelligent algorithms are run for checking the Pre-Approved offers then it generally skips those account which are already associated with an existing "Credit Card".

Now this is a general concept & should only be used as an indicative purpose, exclusions are always there.
 
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alanabraham said:
What's the reason for that? You have personal experience on this or any information received from branch that's it's difficult to get unsecured card if you ever use secured card from Kotak? Kindly share more light on this.
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First of all, kotak only gives one CC per customer, so till you have FD based CC, in most likely hood you will not be one of those exception where you will get two or one more cc but unsecured.

Also, kotak (and some other banks) have simple system where if you get FD based CC = You don't have enough salary, or are not qualified to get unsecured CC even if you managed to get dozens of CC from other banks. So, system will reject your application automatically.

You have two choices.
1. Try to make this secured CC into unsecured one (on branch level) - Very unlikely with Kotak as I've never heard of it from anyone with them
2. Close the secured one and wait for some time, for possibly pre-approved offer
 
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ashwink said:
Absolutely...
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SBI Unnati Credit Card with No Annual Fee - Apply Now | SBI Card

Apply now for SBI Card Unnati and enjoy benefits like no annual fee, milestone rewards, fuel surcharge waiver and much more. Find more about Unnati credit card features, limit, and other details today!
www.sbicard.com

This one is free for first 4 years, and you can make up with milestone benefit with spends of 50k if you want to keep it after that.

Might not be a bad card to keep around if you are only interested in SBI online offers.
 
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AllSeeker said:

SBI Unnati Credit Card with No Annual Fee - Apply Now | SBI Card

Apply now for SBI Card Unnati and enjoy benefits like no annual fee, milestone rewards, fuel surcharge waiver and much more. Find more about Unnati credit card features, limit, and other details today!
www.sbicard.com

This one is free for first 4 years, and you can make up with milestone benefit with spends of 50k if you want to keep it after that.

Might not be a bad card to keep around if you are only interested in SBI online offers.
Click to expand...
OK bro 👌
 
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