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

[prc1990]

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

 

[prc1990]

PVR card gives good benefit if you can spend 15k each month at least. Otherwise none of the Kotak cards are really of any use unless we are talking about some offers in retail or online shop on kotak specific cards. Even average low tier cards beat kotak cards by miles. Why I took offer was because this is my wife's first card and Kotak dream different was also one of my first cards when I started out a year ago. So, basically hoping it helps in building her CIBIL.

Now a days, I hardly see bank discounts for Kotak cards on Amazon 🥲.

 

[AllSeeker]

Now a days, I hardly see bank discounts for Kotak cards on Amazon 🥲.

Yes, but where I live there are electronic household item showrooms and since the last year happened to also be my first year of married life, I had to do lot of shopping there and believe it or not, Kotak card was always on their offer for "No cost EMI", interest amount is added to your cc in about 90 days from the purchase. That way I had gotten more benefit out of it than even amazon icici card or axis freecharge and flipkar cards. Only other contending bank was HDFC but at that time I did not have my Millennia card. Now that one replaces need for my all other cards tbh, including amazon ICICI, axis flipkart and other entry level cards.

 

[prc1990]

Yes, but where I live there are electronic household item showrooms and since the last year happened to also be my first year of married life, I had to do lot of shopping there and believe it or not, Kotak card was always on their offer for "No cost EMI", interest amount is added to your cc in about 90 days from the purchase. That way I had gotten more benefit out of it than even amazon icici card or axis freecharge and flipkar cards. Only other contending bank was HDFC but at that time I did not have my Millennia card. Now that one replaces need for my all other cards tbh, including amazon ICICI, axis flipkart and other entry level cards.

Pero bero 👻.

 

[AllSeeker]

Pero bero 👻.

I've no idea what that means 😢🤔

 

[prc1990]

I've no idea what that means 😢🤔

Pro (Pero) bro (bero) 🥺🥺🥺😝😝

 

[Lakshya Mahani]

I Also got the same league cc pre- approved LTF offer on 8th april, applied on 9th april through a call from kotak itself , till now, no response, application still in process as of 18 april. What to do?

 

[KumarS]

Skip Ko-ttak card, the reward rate is pathetic, and they take 2 months to issue the card after multiple verification and hardly ever reverse it. mind you they may call it as LTF, but may still charge unless there is written proof of LTF

In summary - I would avoid Ko-ttak card

 

[Lakshya Mahani]

You are absolutely right about reward rate, after yes bank, maybe kotak is the worst in providing good value reward points, also, if the card gets approved, this will be my first unsecured card. I am having all the proofs regarding fees and charges(The offer was pre-approved and LTF), the offer is also visible on my kotak application.
Let's see how much time it takes.....

 

[KumarS]

You are absolutely right about reward rate, after yes bank, maybe kotak is the worst in providing good value reward points, also, if the card gets approved, this will be my first unsecured card. I am having all the proofs regarding fees and charges(The offer was pre-approved and LTF), the offer is also visible on my kotak application.
Let's see how much time it takes.....

Nice. Just note that in Kotak case, be watchful, someone on this very thread (on page 1) mentioned that you need to spend 50k for annual waiver.

If you are looking for good card with easy approval life time free
BoB cards
IDFC First Millennia or Select
ICICI Amazon pay
1Card

 

[Lakshya Mahani]

Nice. Just note that in Kotak case, be watchful, someone on this very thread (on page 1) mentioned that you need to spend 50k for annual waiver.

If you are looking for good card with easy approval life time free
BoB cards
IDFC First Millennia or Select
ICICI Amazon pay
1Card

Sure sir, i will be careful with kotak.
Thanks for alerting though.

 

[prc1990]

I too got kotak league as pre approved LTF on my 811 account.

Been using it for 4 month now. They today gave me an upgrade to PVR platinum card.

Should I take it ?

BTW for LTF cust.care told me that " they are sorry to say that my league card is not LTF , these card have no joining fee but there is a renewal fee after 1 yr.

Then why was it portrayed as LTF, have you already escalated?

 

[ashwinkashwink is verified member.]

Nice. Just note that in Kotak case, be watchful, someone on this very thread (on page 1) mentioned that you need to spend 50k for annual waiver.

If you are looking for good card with easy approval life time free
BoB cards
IDFC First Millennia or Select
ICICI Amazon pay
1Card

Bob truly not offering ltf cards, there will be a capping of spending criteria 😂

 

[TheTrickySid]

You are absolutely right about reward rate, after yes bank, maybe kotak is the worst in providing good value reward points, also, if the card gets approved, this will be my first unsecured card. I am having all the proofs regarding fees and charges(The offer was pre-approved and LTF), the offer is also visible on my kotak application.
Let's see how much time it takes.....

Can you send the apply link in the email I want to try if i can get the card LTF as I too have a 811 account

 

[Lakshya Mahani]

Can you send the apply link in the email I want to try if i can get the card LTF as I too have a 811 account

Customer Digital Journey

kudosdigital.kotak.com

 

[Nixan]

Thanks for confirming!

How strict Kotak is in terms of card approval? Can you please share your experiences?

Finally u got credit card or not?

 

[prc1990]

Finally u got credit card or not?

I have never applied actually for all these confusions on the pricing.

@Lakshya Mahani can you please help @Nixan?

 

[Lakshya Mahani]

I have never applied actually for all these confusions on the pricing.

@Lakshya Mahani can you please help @Nixan?

i my case, i had an existing 811 account with them. After 4 months of opening the account, i received a pre-approved offer on 8 may.
Even i was shocked because i entered student while opening the account. On 9th may i got a call from kotak stating that you have an offer for ltf league card, do you want to apply, i said yes, after that till one month nothing happened. i escalated the issue over customer care many times but nothing happened. on 22 may i got a call from kotak about my occupation, i replied self-employed( agent who called me told this when verification over call will happen). on 23 may i got my card approved.NO INCOME DOCS, NO PHYSICAL VERIFICATION was done by bank.

 

[ashwinkashwink is verified member.]

i my case, i had an existing 811 account with them. After 4 months of opening the account, i received a pre-approved offer on 8 may.
Even i was shocked because i entered student while opening the account. On 9th may i got a call from kotak stating that you have an offer for ltf league card, do you want to apply, i said yes, after that till one month nothing happened. i escalated the issue over customer care many times but nothing happened. on 22 may i got a call from kotak about my occupation, i replied self-employed( agent who called me told this when verification over call will happen). on 23 may i got my card approved.NO INCOME DOCS, NO PHYSICAL VERIFICATION was done by bank.

Interesting..

 

[Lakshya Mahani]

Did you get card?

League is LTF for everyone anyway

Yes, i recieved my card on 26 may.
I am not sure league is LTF for everyone.

 

[ashwinkashwink is verified member.]

Yes, i recieved my card on 26 may.
I am not sure league is LTF for everyone.

It depends on their pre approved offer