Opened Kotak 811 Full KYC. Will I get Credit Card offers?

[suhailmz]

Hi, I opened Kotak 811 zero balance account last week. Idea was to have a zero balance account to park some money & build a relationship value with the bank. However, I don’t see any offers for credit card in their app. Do they offer credit cards to the 811 account holders? If yes, how long after an account is opened?

 

[Chaitanya-a]

Hi, I opened Kotak 811 zero balance account last week. Idea was to have a zero balance account to park some money & build a relationship value with the bank. However, I don’t see any offers for credit card in their app. Do they offer credit cards to the 811 account holders? If yes, how long after an account is opened?

When I was trying to open kotak 811, instantly they showed up you're eligible for 811 Unsecured CC but since it is useless card (paid), I skipped that offer. So kotak usually gives CC to its account holders. Wait for 3 months.

 

[suhailmz]

When I was trying to open kotak 811, instantly they showed up you're eligible for 811 Unsecured CC but since it is useless card (paid), I skipped that offer. So kotak usually gives CC to its account holders. Wait for 3 months.

I did the same thing. Skipped the 811 card 🙂
Let me wait for their offers. Thanks.

 

[romilq]

Most probably in 3-4 months if you keep checking Experian score in the 811 app every month. Me and my friend both got it that way.

 

[RajBlr]

Hi, I opened Kotak 811 zero balance account last week. Idea was to have a zero balance account to park some money & build a relationship value with the bank. However, I don’t see any offers for credit card in their app. Do they offer credit cards to the 811 account holders? If yes, how long after an account is opened?

When I was trying to open kotak 811, instantly they showed up you're eligible for 811 Unsecured CC but since it is useless card (paid), I skipped that offer. So kotak usually gives CC to its account holders. Wait for 3 months.

Seems like right now League platinum is offered as LTF or so(JF/AF is ZERO).

Take a snap for your reference while applying as well 🙂

Kotak Credit Card

Kotak Credit Card

cards.kotak.com

Seems like 500 welcome gift Movie voucher and some milestones as well.

 

[Farhad sekh]

Most probably in 3-4 months if you keep checking Experian score in the 811 app every month. Me and my friend both got it that way.

Is it free or chargeable to check credit score on kotak 811 app?

 

[suhailmz]

Is it free or chargeable to check credit score on kotak 811 app?

Free

 

[rockyBalboa]

Hi, I just tried to open Kotak 811 0 bal account and noticed that it asks for consent to check CIBIL score. Is this normal when we open online bank accounts? I don't know as I have never opened an online bank account? Why would they need to do CIBIL check to open a bank account? Will this be counted as hard enquiry?

 

[suhailmz]

I believe it’s Normal

 

[rockyBalboa]

I believe it’s Normal

Thanks. Was there a cibil hit when you opened your account?

 

[Strange]

Hi, I just tried to open Kotak 811 0 bal account and noticed that it asks for consent to check CIBIL score. Is this normal when we open online bank accounts? I don't know as I have never opened an online bank account? Why would they need to do CIBIL check to open a bank account? Will this be counted as hard enquiry?
View attachment 9497

They want to check your CIBIL to offer pre approved/qualified Kotak 811 credit card.

 

[rockyBalboa]

I believe it’s Normal

Hi, can you kindly confirm if there was a CIBIL enquiry when you opened your 811 account? I would like to open this account but don't want to have an enquiry now as I have many during last few months. So if there's an enquiry then I would wait for a month or two.

 

[Chaitanya-a]

Hi, can you kindly confirm if there was a CIBIL enquiry when you opened your 811 account? I would like to open this account but don't want to have an enquiry now as I have many during last few months. So if there's an enquiry then I would wait for a month or two.

Not a hard enquiry. Just soft enquiry was done just to know credit score.

 

[RajBlr]

Not a hard enquiry. Just soft enquiry was done just to know credit score.

Even for account opening? or for credit card availing.

 

[Chaitanya-a]

Even for account opening? or for credit card availing.

For account opening as well. And then they show useless 811 card pre approved offer that too paid 🤦🏻‍♂️

 

[rockyBalboa]

Not a hard enquiry. Just soft enquiry was done just to know credit score.

Is this enquiry visible under Enquiries section in CIBIL report?

 

[satish0987]

Most probably in 3-4 months if you keep checking Experian score in the 811 app every month. Me and my friend both got it that way.

Bro me too opened 811 account in my family and skipped 811 FD credit card while opening account

Currently do not have any credit history
So cibil ,experian everything is zero

Tried one card FD based,slice card,simpl

Even in kotak 811 credit card section FD based credit card is also not showing 😅

In every app they take cibil enquiry and final msg will be currently not eligible

Do u know any method to build cibil score from O

Thanks

 

[Chaitanya-a]

Is this enquiry visible under Enquiries section in CIBIL report?

Nope. Coz its only soft enquiry like OneScore, Paisabazaar etc.

 

[suhailmz]

Is this enquiry visible under Enquiries section in CIBIL report?

No, it won’t count as an enquiry.

 

[suhailmz]

For account opening as well. And then they show useless 811 card pre approved offer that too paid 🤦🏻‍♂️

Did you opt for this card? I’ve opened the 811 account a month ago but no pre-approved offer so far in the app.