Trick to get LTF Kotak IOCL and Zen credit card

[jack333]

Currently offer is going on for LTF Kotak Zen and IOCL credit card. Just change the fee code in the address bar to 300 and 188 respectively for these two. Will work only for NTB customers.

Apply Credit Cards Online for Instant Approval, No Joining Fees

A credit card is a financial instrument to help you make instant credit based transactions. Apply for Credit Cards ✓No Credit Score Required ✓No Joining Fees.

www.kotak.com

Apply through below links in which I've already edited the fee codes

IOCL

Kotak Credit Card

Kotak Credit Card

cards.kotak.com

ZEN

Kotak Credit Card

Kotak Credit Card

cards.kotak.com

 

[samm255]

On 22nd A guy called and verified address and said card is approved. No virtual card received.
Same thing happens on 23rd and 24th. Still no virtual card received or any other update. Kotak👍

Did you receive any approval message from kotak? I received it when my application was approved and it had link from where I got virtual card details by entering OTP.

 

[realjayt]

Did you receive any approval message from kotak? I received it when my application was approved and it had link from where I got virtual card details by entering OTP.

Nope. Nothing yet

 

[varun__goel_]

What is the reward rate of IOCL UPI txn?

 

[realjayt]

What is the reward rate of IOCL UPI txn?

.5% for other spends I think

 

[realjayt]

What is the reward rate of IOCL UPI txn?

6.25% on Fuel transactions at IOCL using UPI

 

[realjayt]

Did you receive any approval message from kotak? I received it when my application was approved and it had link from where I got virtual card details by entering OTP.

Card is scheduled to be delivered tomorrow. No virtual card received till now

 

[varun__goel_]

What is the reward rate of IOCL UPI txn?

@VISHESH_BANSAL You hold IOCL card right?

Can you tell what's the reward rate on non fuel & fuel upi txn? A lot of confusion on their site😅

And is it necessary to redeem it for IOCL Rewards or can be redeemed as statement credit?

 

[varun__goel_]

6.25% on Fuel transactions at IOCL using UPI

Thnx mate 👍

 

[VISHESH_BANSAL]

@VISHESH_BANSAL You hold IOCL card right?

Can you tell what's the reward rate on non fuel & fuel upi txn?

Fuel Txns Only POS-4% upto 300

For UPI Spends-Never Ever spend using Kotak IOCL via UPI at Petrol Pumps.

Grocery and Food- 2% upto 200
Both UPI and POS.

You will receive Points in Fraction, so small txn too will give RPs.

Other Spends 0.5% unlimited*
Other Spends do not have any Exclusion on Paper but I have received a shit reward of 0.01% something , on Utility MCC for a UPI Txn😂

A lot of confusion on their site😅

And is it necessary to redeem it for IOCL Rewards or can be redeemed as statement credit?

Right Now Statement Credit is avaliable as an Option.

But Kotak can stop it any time.
They are in Process to Build a system where we can convert RPs into IOCL XtraRewards since Card Launch but as Expected Kotak is not able to Build such a system as of know🤣

 

[varun__goel_]

Fuel Txns Only POS-4% upto 300

For UPI Spends-Never Ever spend using Kotak IOCL via UPI at Petrol Pumps.

Grocery and Food- 2% upto 200
Both UPI and POS.

You will receive Points in Fraction, so small txn too will give RPs.

Other Spends 0.5% unlimited*
Other Spends do not have any Exclusion on Paper but I have received a shit reward of 0.01% something , on Utility MCC for a UPI Txn😂


Right Now Statement Credit is avaliable as an Option.

But Kotak can stop it any time.
They are in Process to Build a system where we can convert RPs into IOCL XtraRewards since Card Launch but as Expected Kotak is not able to Build such a system as of know🤣

Then myntra is better even as paid🤡

For UPI Spends-Never Ever spend using Kotak IOCL via UPI at Petrol Pumps.

Aisa kya krdiya Lotak ne?😂

 

[samm255]

6.25% on Fuel transactions at IOCL using UPI

How did you come up with this figure?

 

[VISHESH_BANSAL]

Then myntra is better even as paid🤡

See Txn Above 2k at offline Stores is rare.

But Where you spend regulary offline with CC UPI, find MCC of those QRs with HDFC Help.

If MCC belongs to Food and grocery then 2% upto 200 even on txns less than 2000 is killer.

I am exhausting this 2% every Month.

If you know some rotation tricks then only Myntra is killer.🤣

Aisa kya krdiya Lotak ne?😂

Ek baar Rs.90 Tikki wale ko Pay kiye thhe.

Tikki wale ka QR Pertrol MCC ka thha🤣

Rs.11.8 ka Fuel Surcharge Pay kiya for Rs.90 Tikki🤣

 

[varun__goel_]

Ek baar Rs.90 Tikki wale ko Pay kiye thhe.

Tikki wale ka QR Pertrol MCC ka thha🤣

Rs.11.8 ka Fuel Surcharge Pay kiya for Rs.90 Tikki🤣

Ye to bhot bura hua🙂

See Txn Above 2k at offline Stores is rare.

But Where you spend regulary offline with CC UPI, find MCC of those QRs with HDFC Help.

If MCC belongs to Food and grocery then 2% upto 200 even on txns less than 2000 is killer.

I am exhausting this 2% every Month.

If you know some rotation tricks then only Myntra is killer.🤣

M kabhi direct shop qr pr krta hi nhi😂
DM krdo ek aapka band hai, jhan se krta hu txn uska cb confirm krlu.

 

[knockoffaxis101]

How to contact their retention team? Any email id?
I've got a kotak League card LTF and getting an upgrade offer for Zen but chargeable... I've mailed back on the mail received but no reply since one week

You got any update bro ?

 

[ontherocks]

But Where you spend regulary offline with CC UPI, find MCC of those QRs with HDFC Help.

HDFC Help ke baare mein thoda roshni daale

 

[VISHESH_BANSAL]

HDFC Help ke baare mein thoda roshni daale

Pay at such QRs using HDFC CC UPI and call HDFC customer Care to know MCC of a Particular QR

 

[ontherocks]

Pay at such QRs using HDFC CC UPI and call HDFC customer Care to know MCC of a Particular QR

While calling customer care, what do I need to provide them in the case when its not the most recent transaction? The transaction number?

 

[VISHESH_BANSAL]

While calling customer care, what do I need to provide them in the case when its not the most recent transaction? The transaction number?

Date and Amount

 

[Riya]

You got any update bro ?

Nope... Mailed them about 2-3 weeks back but didn't even got the acknowledgement mail...
Calling customer care for LTF is like bhains ke aage been bajana...

 

[knockoffaxis101]

I've just called them But they said first i have to cancel platinum card. After that retention team will call.."it will be subject to approval basis."