Kotak White Credit Card being offered at Life Time Free

[SubhankarSubhankar is verified member.]

Kotak is offering Life Time Free variant of Kotak White Credit card. Try your luck.

Kotak Credit Card

Kotak Credit Card

cards.kotak.com

 

[mrmuggle98]

Welcome to the club.

Your Kotak White PVR Card comes with the following benefits:

• Get 1 free PVR movie ticket* every month when you spend ₹ 10,000 and above in a monthly billing cycle
• Get 2 free PVR movie tickets* every month when you spend ₹ 15,000 and above in a monthly billing cycle
• Shop Anywhere in India using your PVR Kotak Credit Card to get your free PVR movie tickets. Available for ANY TIME , ANY DAY , ANY SHOW

You got this communication?

 

[Piyush_Jaiswal]

does viewing the card in the app count as 'activation'?

No. Only OTP based confirmation and any transaction either offline or online counts as activation.

 

[Piyush_Jaiswal]

You got this communication?

No. Just anticipating.

 

[srikant]

I already have League Platinum LTF - got 2 months back - should I apply and will I get it? Is there any cooldown period

Yes, I think it's 3 months.

I applied Urbane Gold apparently on 16 May, so waiting until 16 Aug to check if I can apply League -- or should I try White?

League's available in RuPay, though - is White?

 

[Piyush_Jaiswal]

Yes, I think it's 3 months.

I applied Urbane Gold apparently on 16 May, so waiting until 16 Aug to check if I can apply League -- or should I try White?

League's available in RuPay, though - is White?

They are not offering Rupay variant yet. Try your luck after October 2023.

I hope they don't extend the dates further.

 

[Huzaif]

@tanvi , @luku @vaibhav111 how much should be the cibil for applying, and can we apply for the card on a C2C basis? and how much was your cibil or any other documents needed?

anyone please clarify

 

[Piyush_Jaiswal]

anyone please clarify

Cibil above 750 will be good. Since the card is approved instantly for NTB customers, it checks for existing credit cards and their limits in your report. If you have other bank's CC with good limit then you will be approved. It won't require you to submit your CC statements or any income document.

Make sure you don't have many enquiries in the past 6 months.

 

[vaibhav111vaibhav111 is verified member.]

anyone please clarify

No c2c here, my cibil is 791 for reference. It already pre approved so just vkyc left

 

[Vaastav]

No c2c here, my cibil is 791 for reference. It already pre approved so just vkyc left

I think they'll do physical KYC now in our case. I can't find any option to again do Online KYC after it was failed.

 

[vaibhav111vaibhav111 is verified member.]

Complete the VKYC. The Card will remain LTF in any case. You can complain to RBI also since it is mentioned in the application form.

Case 1: You complete the VKYC and receive the Card.
Pros:
You have 30 days grace period according to RBI Guidelines. Bank does not report your CC Account unless it is activated.
You still have the bargaining power left since you have not activated the card.
There's a possibility that they offer you the paid benefits in the LTF card itself if you fight.
You get the Premium Card to keep although it will be inactive.
You will have the option to downgrade to other cards such as Zen LTF if you are not satisfied with the benefits of White LTF without wasting another enquiry.
We will get to know the exact information if you receive the card. So, it will be beneficial for the community.

Cons:
No cons as such, since credit enquiry is already made. This is the only loss


Case 2: You don't complete the VKYC
Pros:
No pros as such. Your card isn't going to be reported to cibil anyways. You have the bargaining power left in this case also.

Cons:
You will not get the card to keep.
You will not be able to know the exact information.
You will lose the option to downgrade to other cards such as Zen LTF if you are not satisfied with the benefits of White LTF.

so took your advice and now this! now what? only physical KYC will be done for me?

 

[Akshay9512]

After VKYC, what email or message you guys received? I cannot see anything confirming LTF status for the card. Please someone who received it LTF, please share your experience

 

[tanvi]

Cibil above 750 will be good. Since the card is approved instantly for NTB customers, it checks for existing credit cards and their limits in your report. If you have other bank's CC with good limit then you will be approved. It won't require you to submit your CC statements or any income document.

Make sure you don't have many enquiries in the past 6 months.

Even 730+ cibil ones are getting approval
With multiple enquiries

 

[jack333]

Did you tried that zen card link?

I'm able to get LTF option by changing fee code for these cards
White
Zen
Mojo
Which one do you think is best among these?
@Chaitanya-a @pprakash11 @VISHESH_BANSAL

 

[pprakash11]

I'm able to get LTF option by changing fee code for these cards
White
Zen
Mojo
Which one do you think is best among these?
@Chaitanya-a @pprakash11 @VISHESH_BANSAL

White ✅✅
Zen ✅
Mojo ❌

 

[Akshay9512]

I'm able to get LTF option by changing fee code for these cards
White
Zen
Mojo
Which one do you think is best among these?
@Chaitanya-a @pprakash11 @VISHESH_BANSAL

Share link for Zen

 

[Walter White]

I'm able to get LTF option by changing fee code for these cards
White
Zen
Mojo
Which one do you think is best among these?
@Chaitanya-a @pprakash11 @VISHESH_BANSAL

Kotak dumb hai. Fee code change karne pe bhi baad me annual fee dikhayega. 🤣

 

[jack333]

Share link for Zen

Mojo

Kotak Credit Card

Kotak Credit Card

cards.kotak.com

Zen

Kotak Credit Card

Kotak Credit Card

cards.kotak.com

 

[jack333]

Indian oil and myntra are showing as FYF only after trying various options. Was anyone able to get these also as LTF?

 

[4uziaul]

Indian oil and myntra are showing as FYF only after trying various options. Was anyone able to get these also as LTF?

Aaj sab loot loge kya 🤣

 

[Akshay9512]

Received the Virtual Card, confirmed over call, it is lifetime Free. yay