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Is it possible to convert Kotak Royale paid to LTF

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sahilcapricorn

sahilcapricorn

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Ok, first off I tried to search if this or similar query exist in already created threads; but couldn't really find. Apologies if this has been answered before.

So, I hold a Kotak Royale since over an year, that was an upgrade from League (also paid). Is there a way to covert it to LTF? My credit card relation with Kotak is fairly old, maybe 6 years or so.. I'm ok to downgrade also as the card has minimal rewards and I'd like to keep it only for offers.. Plus they increase limit every now and then.. I've reached 5L since initial issue of 50k. Due to another LE shortly..

Any ideas or suggestion pls? TIA
 
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sahilcapricorn said:
Ok, first off I tried to search if this or similar query exist in already created threads; but couldn't really find. Apologies if this has been answered before.

So, I hold a Kotak Royale since over an year, that was an upgrade from League (also paid). Is there a way to covert it to LTF? My credit card relation with Kotak is fairly old, maybe 6 years or so.. I'm ok to downgrade also as the card has minimal rewards and I'd like to keep it only for offers.. Plus they increase limit every now and then.. I've reached 5L since initial issue of 50k. Due to another LE shortly..

Any ideas or suggestion pls? TIA
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Call on to the CS and ask them to convert it to LTF. I had PVR platinum and asked them to downgrade to league platinum and make it LTF. Instead they offered me royale signature LTF. When I denied that card, they offered me zen Signature LTF and I grabbed it.
 
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sahilcapricorn said:
They denied. Not willing to convert to LTF or downgrade to any other that doesn't have annual fee. Pushing me to take White card paid variant that offers better value rewards. Not sure what to do. Maybe cancel card?
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I think this LTF issuance mostly differs from executive to execute.
I would suggest you to try atleast with 8-10 executive.
It that doesn't work then try with 1-2 senior executives.

Else I've seen ppl taking paid upgrade card and then requesting to convert it to LTF though there is no assurance of LTF request being approved it is totally luck based.
 
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Why not surrender it and get a card from other players like SBI, HDFC, etc?
I had this card some 8 yrs back, and I gave it back after 3 months, back then they expected me to spend some 30K for Rs 75 reward, that's 0.25P, not great considering they market it as a super premium card.
 
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satviksehgal said:
Why not surrender it and get a card from other players like SBI, HDFC, etc?
I had this card some 8 yrs back, and I gave it back after 3 months, back then they expected me to spend some 30K for Rs 75 reward, that's 0.25P, not great considering they market it as a super premium card.
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Just for the kotak based offers.

If it's getting converted to LTF it's well and good else surrendering is the only option left.
 
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sahilcapricorn said:
They denied. Not willing to convert to LTF or downgrade to any other that doesn't have annual fee. Pushing me to take White card paid variant that offers better value rewards. Not sure what to do. Maybe cancel card?
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Don't put yourself at their mercy. Ask them to place a request for cancellation of the existing card. The retention team will call you back and either convert your existing card to LTF or offer you a different LTF card.

This is coming from a guy who holds not one but two so called premium LTF cards from Kotak, Royal Signature and Kotak White.
 
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Bigde said:
Don't put yourself at their mercy. Ask them to place a request for cancellation of the existing card. The retention team will call you back and either convert your existing card to LTF or offer you a different LTF card.

This is coming from a guy who holds not one but two so called premium LTF cards from Kotak, Royal Signature and Kotak White.
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What if the retention team doesn't call you and directly closes the card 😂
 
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HyperBeast said:
What if the retention team doesn't call you and directly closes the card 😂
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Kotak cards are useless anyways. Not worth keeping them by paying annual fee.

This also reminds me of one altercation which I had with IndusInd CC team when they refused to upgrade my LTF Legend to LTF Pinnacle.

In a fit of rage, I asked the CC executive to cancel my card if they were not willing to offer the LTF upgrade to Pinnacle. To my utter surprise, they took my cancellation request without haggling. I kept on waiting for the call from the retention team, on contrary got a message from them stating that my card was cancelled successfully. After realising my mistake, reached out to them with a poker face and asked them to reinstate the card, finally they did but it was one heck of an experience.
 
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Bigde said:
Kotak cards are useless anyways. Not worth keeping them by paying annual fee.

This also reminds me of one altercation which I had with IndusInd CC team when they refused to upgrade my LTF Legend to LTF Pinnacle.

In a fit of rage, I asked the CC executive to cancel my card if they were not willing to offer the LTF upgrade to Pinnacle. To my utter surprise, they took my cancellation request without haggling. I kept on waiting for the call from the retention team, on contrary got a message from them stating that my card was cancelled successfully. After realising my mistake, reached out to them with a poker face and asked them to reinstate the card, finally they did but it was one heck of an experience.
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So cancelled cards can be reactivated??
 
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I have requested for cancellation.. Let's see.. I had kept it for offers only.. Anyway I have 16 more cards with almost all banks and most being either super premium or basic LTF.. Lol.. Hope they convert it LTF.. I just like how they keep increasing my limit every 6 months..
 
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