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Is Kotak League CC is LTF or not in the attched screenshot ?

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prc1990

TF Legend
I was trying to apply for a Kotak credit card digitally and after entering income details, system was showing LEAGUE card with 0 Joining and 0 Annual fees. Can anyone please confirm if this particular card variant is offered as Life Time Free (LTF) based on customer profile?

Have attached the screenshot for reference.

P.S. I don't have any existing relationship with Kotak bank

@TechnoFino
 

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So far my experience is concerned with Kotak, here are the observations:_

1. if you are a NTB(No existing relationships with Bank) then most of the cases League, Royal Signature & other top cards will be chargeable for you.
2. If you are not a NTB then then best possible way to get a Kotak card without rejection is to open 811 with them & do transaction.
3. If you do step no-2 at least for 6-8 month then for sure you will get LTF offer even if it is not Q4.
4. Finally, I know person who even got Royal Signature LTF purely based on the Savings account as a part of Pre-Approved offer & later he also got an upgradation offer to upgrade to Kotak White which is their Top most card.

So according to me this is the time to open a 811 & start transacting as much as possible, for sure you are going to get at least Royal Signature LTF.
 
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souvikdey2002 said:
So far my experience is concerned with Kotak, here are the observations:_

1. if you are a NTB(No existing relationships with Bank) then most of the cases League, Royal Signature & other top cards will be chargeable for you.
2. If you are not a NTB then then best possible way to get a Kotak card without rejection is to open 811 with them & do transaction.
3. If you do step no-2 at least for 6-8 month then for sure you will get LTF offer even if it is not Q4.
4. Finally, I know person who even got Royal Signature LTF purely based on the Savings account as a part of Pre-Approved offer & later he also got an upgradation offer to upgrade to Kotak White which is their Top most card.

So according to me this is the time to open a 811 & start transacting as much as possible, for sure you are going to get at least Royal Signature LTF.
Click to expand...
Man royal to white demmm is the same possible with league to white?
 
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AllSeeker said:
Funny enough, my wife also got offer for that card today and she has never even operated her kotak 811 account. I was very surprised, and yes they said it is LTF, I submitted the application (Which was just 2 times "accept" box and one time delivery address box.) shocking really!
Click to expand...
That's a beauty of having a 811 what I just described above.
 
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souvikdey2002 said:
So far my experience is concerned with Kotak, here are the observations:_

1. if you are a NTB(No existing relationships with Bank) then most of the cases League, Royal Signature & other top cards will be chargeable for you.
2. If you are not a NTB then then best possible way to get a Kotak card without rejection is to open 811 with them & do transaction.
3. If you do step no-2 at least for 6-8 month then for sure you will get LTF offer even if it is not Q4.
4. Finally, I know person who even got Royal Signature LTF purely based on the Savings account as a part of Pre-Approved offer & later he also got an upgradation offer to upgrade to Kotak White which is their Top most card.

So according to me this is the time to open a 811 & start transacting as much as possible, for sure you are going to get at least Royal Signature LTF.
Click to expand...
I opened Kotak 811 back in 2018 and unfortunately didn't complete my KYC and hence, it was closed. I can't open 811 again with the same set of details (mostly PAN). Sad life 🥲🥲🥲.
 
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prc1990 said:
I opened Kotak 811 back in 2018 and unfortunately didn't complete my KYC and hence, it was closed. I can't open 811 again with the same set of details (mostly PAN). Sad life 🥲🥲🥲.
Click to expand...
I don't think it should be the case, may be you will not be allowed to open it digitally but I'm sure if you visit branch they will surely help you to open one more 811 against your CRN. May be the account number would be different but should not be a case where you will not be allowed to open an account at all. If I'm not wrong, most probably you can still operate your old account if it is not fully closed.

What I mean to say if you have not given any written application to bank asking to close the account, you will most likely to be able to make it operational again but yes, if you have to convince the branch guys that you are same person & should be having some good reasons to defend yourself why didn't you complete the Physical KYC at the first place.

Meet the branch people & let me know.
 
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souvikdey2002 said:
I don't think it should be the case, may be you will not be allowed to open it digitally but I'm sure if you visit branch they will surely help you to open one more 811 against your CRN. May be the account number would be different but should not be a case where you will not be allowed to open an account at all. If I'm not wrong, most probably you can still operate your old account if it is not fully closed.

What I mean to say if you have not given any written application to bank asking to close the account, you will most likely to be able to make it operational again but yes, if you have to convince the branch guys that you are same person & should be having some good reasons to defend yourself why didn't you complete the Physical KYC at the first place.

Meet the branch people & let me know.
Click to expand...
Yes digitally not possible to open with the same set of details.
 
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prc1990 said:
Yes digitally not possible to open with the same set of details.
Click to expand...
Try opening it in branch, it's also possible that they will active the old account ones you do the kyc (for that you need to again go to branch). If this fails its probably good idea to open Kotak 811 edge, which is their higher veriant account but MAB is 10k.
 
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AllSeeker said:
Her card is approved and dispatched today, will get it by 12th, will update limit and type.

This is really funny 🤣
Click to expand...
Received it today, it is indeed Kotak League card.

Limit was measly 14k

One concerning fact is that, no where is mentioned that it is LTF. Looks like I need to find time to fight with Kotak people if any annual or joining fees is charged.

This is truly weird business.
 
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anirbanm said:
Right, on my HDFC business moneyback, BOB Select, nowhere it's mentioned that it's LTF, though both are supposed to be.

No joining or annual charges have been billed though, yet totally agree that it's strange as we got no definite way to know.
Click to expand...
True, but I've heard/read here that while kotak claims it to be LTF they tend to not make it so. I think it was here only that someone had inquired about it with their customer care. I'll wait and see, I'll ask my wife to keep if even if its not free for year or two, she will find it useful to build CIBIL.
 
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AllSeeker said:
Received it today, it is indeed Kotak League card.

Limit was measly 14k

One concerning fact is that, no where is mentioned that it is LTF. Looks like I need to find time to fight with Kotak people if any annual or joining fees is charged.

This is truly weird business.
Click to expand...
See in the documentation, it must be written that whether it is LTF or chargeable.
Probably where the Credit Limit is written, under that you will find.
 
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