Kotak Myntra Credit Card with zero fee for upto 3 years

[Chitra007]

https://www.myntra.com/cbc/store

 

[Gaara]

I didn't get any option to choose from.

Same here. I think even I got Rupay Variant.
Please check if this is confirmed Rupay.

Yes, it showed me the same thing to select rupay or FD card. but no option to choose master card variant. Now, in hindsight, I realize that it was merely an image of the card, and I wonder if Kotak uses the same image for both the RuPay and Mastercard variants on their site. 😂

 

[Strange]

1860 266 2666

Unfortunately, it is not toll-free, and during the wait time, they bombard you with ads for 15 to 30 minutes. Once connected to a customer care representative, they often lack sufficient knowledge to address the issue effectively. Additionally, be prepared for feedback calls after the interaction.

+912262042001
Call this normal number. No special charge in Chortel or VI.

Or Text KASSIST to 5676788 or
KPRIVY to 5676788 to get a callback.

 

[Strange]

This post person profile picture was green..
Suddenly heroine picture 😂 @S S V

Not Heroine, She is a singer, Avril Lavigne.

 

[SSV]

Not Heroine, She is a singer Avril Lavigne.

What he meant was….a heroine material !! 😉

 

[runzone]

Is cibil/experian enquiry happening if we apply for this card on myntra app?

PS: existing kotak bank cc holder

 

[SSV]

Is cibil/experian enquiry happening if we apply for this card on myntra app?

PS: existing kotak bank cc holder

For existing..NO .

 

[runzone]

For existing..NO .

Waiting for them to offer LTF 🤣

 

[Aniket]

+912262042001
Call this normal number. No special charge in Chortel or VI.

 

[rsivva]

I have got mastercard, will not activate it. is it possible to convert to rupay variant immediately?

 

[Vasuki]

I have got mastercard, will not activate it. is it possible to convert to rupay variant immediately?

Call customer care.. it has been said enough times 😁.
They will do it easily..
If unsuccessful - call until you get good. Customer executive

 

[Animal]

Is cibil/experian enquiry happening if we apply for this card on myntra app?

PS: existing kotak bank cc holder

Experian enquiry is happening for existing cc holders

 

[Vasuki]

Experian enquiry is happening for existing cc holders

Y e s ..

Rarely cibil if u r unlucky

 

[Strange]

View attachment 44704

All Banks have such telephone numbers but it works for Indian users as well. 🤣

 

[knight]

Then I have to pay a net of 950 rupees of real money from my account but if I redeem 1k neucoins then I'm paying 0 from my bank account.

The simple logic is "If you got those 1000 as actual cashback in card statement, you'd be 'paying' that money from your bank as per your logic, but that money was cashback anyways so it's free. When you get a cashback on a card in any app wallet (like neucoins or swiggy money, even hdfc points redemption for hotels/flights), you don't get the special benefit/cashback that you'd ideally get for spending again on that app"

Simple example, if i spend 20k on amazon and get 1000 cb on Millennia card, I can again spend 1000 from my card and get another 50 cb.
However if I spent 20k from Amazon pay card, I'd get 1000 cb in apay, and buying anything from that 1000 won't give any new cashback.
Effectively losing 50 rs in the process as depreciation in points/cb.

This is common for almost all co-branded credit cards.

 

[Animal]

The simple logic is "If you got those 1000 as actual cashback in card statement, you'd be 'paying' that money from your bank as per your logic, but that money was cashback anyways so it's free. When you get a cashback on a card in any app wallet (like neucoins or swiggy money, even hdfc points redemption for hotels/flights), you don't get the special benefit/cashback that you'd ideally get for spending again on that app"

Simple example, if i spend 20k on amazon and get 1000 cb on Millennia card, I can again spend 1000 from my card and get another 50 cb.
However if I spent 20k from Amazon pay card, I'd get 1000 cb in apay, and buying anything from that 1000 won't give any new cashback.
Effectively losing 50 rs in the process as depreciation in points/cb.

This is common for almost all co-branded credit cards.

Very well explained. 🙏

 

[Vasuki]

The simple logic is "If you got those 1000 as actual cashback in card statement, you'd be 'paying' that money from your bank as per your logic, but that money was cashback anyways so it's free. When you get a cashback on a card in any app wallet (like neucoins or swiggy money, even hdfc points redemption for hotels/flights), you don't get the special benefit/cashback that you'd ideally get for spending again on that app"

Simple example, if i spend 20k on amazon and get 1000 cb on Millennia card, I can again spend 1000 from my card and get another 50 cb.
However if I spent 20k from Amazon pay card, I'd get 1000 cb in apay, and buying anything from that 1000 won't give any new cashback.
Effectively losing 50 rs in the process as depreciation in points/cb.

This is common for almost all co-branded credit cards.

Isn't credit card basic psychology is lure & make them spend more ..

Only sensible ppl like us can take Out value ..


Forget depreciation.- with neu coins i bought only - medicine ( less cost than my dermatologist inhouse store) so it too depends where u spend it

But Neu coins vs Kotak myntra instant cashback anyday 💌

 

[rsivva]

+912262042001
Call this normal number. No special charge in Chortel or VI.

Or Text KASSIST to 5676788 or
KPRIVY to 5676788 to get a callback.

They cannot convert to rupay variant using this customer care is useless

 

[Vasuki]

They cannot convert to rupay variant using this customer care is useless

Who calls on this card just call on official customer care number 1860 type

 

[Chaitanya-a]

Who calls on this card just call on official customer care number 1860 type

That is also official customer care. Both number connects to same executives.

 

[Vasuki]

That is also official customer care. Both number connects to same executives.

With call back u need to verify so many things to person who do callback 😂.
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