srpraneeth
TF Select
Share your LE journey on your kotak credit card
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Share your LE journey on kotak credit card
- Thread starter srpraneeth
- Start date
Have Privy League with more than 10 lakh NRV. Monthly spends on Kotak card around 20k-30k.
60k
1.32l
5l
12l
15l
25l
Took abound 6-7 years I guess , but 12 to 25L happened in about 3-4 months
1.32l
5l
12l
15l
25l
Took abound 6-7 years I guess , but 12 to 25L happened in about 3-4 months
RewardsAlert
TF Legend
It was solely because of your ICICI Sapphiro and Emerald high limits of 23.4 and 36L
Kotak offers LE basis of highest limits on CIBIL. You can check this by tallying Sapphiro and Emerald issuance dates.
Till now, I have only seen Kotak who softly scrolls CIBIL limits and matches the highest.
Yeah that might be true , but I have been getting frequent LE’s from kotak even more than the Icici
The last LE from 15 to 25 I think was based on some misunderstanding when I asked them for card upgrade to white reserve , as white reserve has a floor limit of 10 lakhs without checking my current limit they internally raised a SR for LE , and without even docs just by Cibil enquiry they increased it to 25 lakhs from 15 .
As per experience kotak is very aggresive in giving LE’s , they even outrun Icici
I don't have any Kotak card, which one should I apply Kotak league ?
RajMahadik
TF Premier
Absolutely TRUE... Before AMEX, i ve kotak with just 110k... After i got amex with 273k... Kotak matched same limit as amex 273k...
I would suggest zen signature , somehow take it as FYF , then next year give a closure request there is a 99% chance they would make it LTF
I have been doing this trick since last 6-7 years , haven’t ever paid a single annual or JF charges to kotak
iamabhisekagar
TF Legend
Got my Kotak CC in September with 14K limit.... request for a limit enhancement by providing FK Axis CC in March..they enhanced it to 70K....got offer again in Last week....they enhanced it to 120K
It is very difficult for any bank to match my highest limit , as far as my communication with kotak top management guys , they said normally they don’t go beyond 25 lakhs for kotak cards , for giving higher limit than that , there should be a strong reason .
The only bank as of now which can match icici limit looks idfc first but that too if I somehow become eligible for their private card as it has a base limit of 20 lakhs
RewardsAlert
TF Legend
Agreed, few years back my ICICI limit was highest around 7-8L, Kotak outperformed it and gave around 8.5.
Even without CIBIL Hit, Kotak does some soft pulling and gives equal to or more than highest limit.
One more point, I have seen people are getting High limits on AU Cards.
This means even if someone has highest limit on CIBIL as 5L, then also AU is giving them 7L or so.
and this is not only for few, but many of them.
I think AU is also running on same track.
AU max limit exhausts way early , mostly their max limit is 8 lakhs , I had to reapply by escalating to PNO only then I managed 12 lakhs limit
Kotak.. Why? Do they offer anything apart from those occasional offers on sites like Myntra and all? Kotak cards are a total waste of time (and money).
Below is the limit where banks generally max out , anything above than this requires extra effort .
AU - 8 -10 lakhs
HDFC - 25 lakhs
Kotak - 25 lakhs
Axis - 20 lakhs
SBI - 25 lakhs ( only for Aurum )
ICICI - 50 lakhs
Rest all - 8-12 lakhs
This is just from my personal experience .
AU - 8 -10 lakhs
HDFC - 25 lakhs
Kotak - 25 lakhs
Axis - 20 lakhs
SBI - 25 lakhs ( only for Aurum )
ICICI - 50 lakhs
Rest all - 8-12 lakhs
This is just from my personal experience .
Kotak and icici are the only cards which provides max online discount , even the last Amazon shopping festival had kotak and icici as partners
RewardsAlert
TF Legend
Ohh, is that the case, seems interesting as heard it for the first time.
Anyways, I was talking about beginners, and how AU is matching/giving higher than CIBIL limits.
Good to know that they entertain special exceptions for Limit increase with new application
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