Kotak sending Limit Enhancement

[Cosmicgaze]

Had Kotak 811 unsecured got when opening 811 account, back in June 2023.
Feb this year got offer to upgrade to mojo or zen picked zen. The offer said upgrading card can give you better le 😂
Done decent transactions offline and online and no le till date. Just checking the app everywhere only can see 1500 reward points added.

OneCard with sib gave me a le 6 months after getting card and maybe another due next month and I used one card less 😒

 

[It_is_Naruto]

For me...no WhatsApp msg...
Just checked app...5 lacs to 6 lacs....for kotak White... @ 100 + gst...
Will give it a pass..

 

[SSV]

I called kotak yesterday threatened I'll close card what will I spend with petty 20k limit. They agreed for closure... Didn't mention we'll take LE request or anything told me to keep spending via CC. I've already spent total of 7L in both cards, ashed her how much spends is required you tell me so I'll spend accordingly she replied keep spending when you'll be Eligible you'll get a LE.

For axis CC..
How much limit you got on axis cc?
H
For how long you are holding?
How much did you spend?
What's your occupation type , salaried or self employed at the timevof application?
Have you ever received LE

 

[anonymuos]

Can you tell us how you applied for the other two cards?

Thanks 😊

Zen I applied from branch via Kotak CC guy at branch. Had 2 Kotak accounts with very good balance then, 811 and Everyday account. After entering PAN, Zen LTF was showing pre-approved. There was no cibil hit. 6 months later, applied online for League RuPay. Was no cibil hit either. Approved in 1-2 days. UPI RuPay was pre-approved via WhatsApp message. But now will close it once Kotak Myntra issuance starts again, although the UPI Kotak card gives rewards on UPI without requirement of MOV of ₹2000 like the Myntra CC. Also there is no cap on max rewards that can be earned although the reward rate is poor.

 

[TheTrickySid]

Called customer care they said
No offer for me
Raised request for cc limit increase

My 6 month is not completed yet so can't complain
2nd card 3rd month running

What would you have complaint even if the card would have been 6 months old?

 

[SSV]

What would you have complaint even if the card would have been 6 months old?

No need to complaint .just enquiring and asking for it.. if they give , they give.... if they want to give you LE, no rule can stop them..

 

[TheTrickySid]

For me...no WhatsApp msg...
Just checked app...5 lacs to 6 lacs....for kotak White... @ 100 + gst...
Will give it a pass..

There are 2 ways to check LE in the app, where exactly did you check??

Also is your white card LTF or paid??

 

[It_is_Naruto]

There are 2 ways to check LE in the app, where exactly did you check??

Also is your white card LTF or paid??

Credit card service requests --> credit limit increase..
What is the other way?

It's LTF.

 

[TheTrickySid]

What is the other way?

It also shows when you try to modify the credit limit.

It's LTF.

How did you get it ltf??

 

[theflash]

For axis CC..
How much limit you got on axis cc?
H
For how long you are holding?
How much did you spend?
What's your occupation type , salaried or self employed at the timevof application?
Have you ever received LE

Never received LE
Limit 15k since card issuance.
Occupation salaried
Holding card since June'22
Barely spend anything on Myzone sometimes Paytm B1G1, Zomato spends on Neo and Neo Rupay. Roughly 800/Month.

 

[It_is_Naruto]

It also shows when you try to modify the credit limit.

How did you get it ltf??

Thanks... I will check it there too.

About LTF, it came with my Kotak privy account.. which I had already closed last year 😀
Since it was being offered LTF, I opted for it.

 

[SSV]

Never received LE
Limit 15k since card issuance.
Occupation salaried
Don't have salary slip now due to new company joining and not filing ITR as of now...
Holding card since June'22
Barely spend anything on Myzone sometimes Paytm B1G1, Zomato spends on Neo and Neo Rupay. Roughly 800/Month.

Just stop spending... spend once in a quarter or so..
you will get LE in a year...

 

[federer.reddevil]

Called customer care.
Request raised in two minutes.
SR email recieved right before ending the call.
SR fulfillment mail received right after ending the call.
Checked in app, new limit visible.

Thanks @VISHESH_BANSAL

What is the phone number to raise request?

 

[nimod]

What is the phone number to raise request?

Kotak Customer care:

Customer Service - Kotak Mahindra Bank

Contact Kotak Bank Customer Service to know more about our products and services. Click here to read Kotak Mahindra Bank reviews, FAQs and other information.

www.kotak.com

 

[TheTrickySid]

Thanks... I will check it there too.

About LTF, it came with my Kotak privy account.. which I had already closed last year 😀
Since it was being offered LTF, I opted for it.

So you got kotak white ltf with privy account and now you have closed the privy account but still having ltf kotak white??

 

[RAMESH BABU N]

No LE offer.
No gripe.

Very happy with the existing limit of 6L.

 

[It_is_Naruto]

So you got kotak white ltf with privy account and now you have closed the privy account but still having ltf kotak white??

Yes.... Its still is LTF I think. Renewal is in Sep'24 by the way... 🙂

 

[TheTrickySid]

Yes.... Its still is LTF I think. Renewal is in Sep'24 by the way... 🙂

Can you just confirm this thing from the customer support please just to be sure.

 

[It_is_Naruto]

Can you just confirm this thing from the customer support please just to be sure.

Well I was thinking to wait till Sep. The leaflet with the card didn't mention any condition to maintain Privy status.
So in case there is any fee levied, I will negotiate or simply close. I am not using it much anyways.
Let me write an email... dekhte hain..

 

[aayusharyan]

Just remember, kotak can charge LE fees, about 100+GST.