Kotak Urbane cc

[flimz]

Got the Kotak urbane as my first ever CC. Now, 4 years later it still has no offers for upgrade or enhanced credit limit. I tried cancelling but they just hit me with the "okay bro give us these details and we'll do it for ya" 😭
Anyone else find a way to escape the Kotak shitty cc quicksand?

 

[Gaara]

Got the Kotak urbane as my first ever CC. Now, 4 years later it still has no offers for upgrade or enhanced credit limit. I tried cancelling but they just hit me with the "okay bro give us these details and we'll do it for ya" 😭
Anyone else find a way to escape the Kotak shitty cc quicksand?

This card offers a milestone benefit: Spend ₹1 lakh in a year, and you’ll receive ₹1,000 cashback. Additionally, it has a base reward rate of 0.3%. Considering the annual spend of ₹1 lakh and the absence of any other cards, this is a favorable option.

 

[flimz]

This card offers a milestone benefit: Spend ₹1 lakh in a year, and you’ll receive ₹1,000 cashback. Additionally, it has a base reward rate of 0.3%. Considering the annual spend of ₹1 lakh and the absence of any other cards, this is a favorable option

Right now I have a Millennia, Amazon pay and SBI cashback card so I rarely use Urbane

 

[Gaara]

Right now I have a Millennia, Amazon pay and SBI cashback card so I rarely use Urbane

In a similar situation with my 5-year-old Urbane credit card, I contacted customer service and requested that they convert it to a lifetime free card. Initially, they declined, but after expressing my intention to close the card, they transferred my call to a retention officer who eventually granted the LTF status.

 

[flimz]

In a similar situation with my 5-year-old Urbane credit card, I contacted customer service and requested that they convert it to a lifetime free card. Initially, they declined, but after expressing my intention to close the card, they transferred my call to a retention officer who eventually granted the LTF status.

When I sent in the email, they didn't even bother to call me. Just sent a generic "we tried reaching you" blah blah and then some details about required docs for cancellation.

 

[agrprashantagrprashant is verified member.]

When I sent in the email, they didn't even bother to call me. Just sent a generic "we tried reaching you" blah blah and then some details about required docs for cancellation.

If I had to give worst bank award, I don't know if I would give it to Kotak or IndusInd.

 

[flimz]

If I had to give worst bank award, I don't know if I would give it to Kotak or IndusInd.

I have a love-hate relationship with Kotak.
Love the app, hate everything else.
Oh also, a disappointing update
Got this SMS which mentions ZERO cost but when I actually try to do this, it says there's a 100 Rupee fee.

 

[SSV]

If I had to give worst bank award, I don't know if I would give it to Kotak or IndusInd.

I am sure there would be some fierce competition in this case, which include many more banks other than those two

 

[Aniket]

I have a love-hate relationship with Kotak.
Love the app, hate everything else.
Oh also, a disappointing update
Got this SMS which mentions ZERO cost but when I actually try to do this, it says there's a 100 Rupee fee.

Bro increase it through the links, when charges get levied, mail them and reverse the charges.

Disclaimer: Nahi kar pao then mujhe mat kosna 😂
It depends how you fight for your case.

Right now you can't upgrade to any other because of RBI restrictions. W

You could have atleast demanded to make it LTF.

 

[flimz]

Bro increase it through the links, when charges get levied, mail them and reverse the charges.

Disclaimer: Nahi kar pao then mujhe mat kosna 😂
It depends how you fight for your case.

Right now you can't upgrade to any other because of RBI restrictions. W

You could have atleast demanded to make it LTF.

What RBI restriction?

 

[Gaara]

When I sent in the email, they didn't even bother to call me. Just sent a generic "we tried reaching you" blah blah and then some details about required docs for cancellation.

Bro it won't happen on mail.
You have to call them.

 

[Aniket]

What RBI restriction?

Google it for more info. 😜

 

[Lorddiesel]

Indus for sure

If I had to give worst bank award, I don't know if I would give it to Kotak or IndusInd.