I don't have a Kotak card, so I am not losing anything. I am happy to stay out of them. Hopefully, won't apply even if they offer LTF white.
Another name I have added to my list to stay off them for now: Yes Bank
Note(s):
1. I made these two decisions based on the email responses given by the PNO Desks of these two banks. Jinka PNO desk executives itna stupid ho unse business nehi karna humko. Koi na aj ek doh glass juice kam peunga toh koy marr nehi jaunga, kam se kam mera gala toh banch jayega.
2. I won't discuss this issue further. It's a waste of my time and energy.