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

 

[kshitij_0]

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.🤣

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🤣

Accha tum bhi wo petrol fried tikki kha liye the kya😂

 

[sam1803]

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.

Hi, I have also applied the Kotak Zen card and after doing VKYC, I received a call saying that my card has been approved but when I checked with him about the fees he said 1500 joining and 1500 annual fees. Did you too receive any such call?

I have received the SMS for setting mobile banking and to view virtual card. Will setting up mobile banking and seeing virtual card make the card activate?

 

[AlooDum]

Hi, I have also applied the Kotak Zen card and after doing VKYC, I received a call saying that my card has been approved but when I checked with him about the fees he said 1500 joining and 1500 annual fees. Did you too receive any such call?

I have received the SMS for setting mobile banking and to view virtual card. Will setting up mobile banking and seeing virtual card make the card activate?

Any existing relationship with bank?

 

[sam1803]

Any existing relationship with bank?

No.
3 words

 

[AlooDum]

No.
3 words

OMG that's strange should have been LTF in your case then. You have the screenshot of initial application for ₹ 0 joining & annual fee right. Just mail them

 

[samm255]

I have received the SMS for setting mobile banking and to view virtual card. Will setting up mobile banking and seeing virtual card make the card activate?

Don't pay attention to call, I also recived call and guy told me my card is paid. Call customer care and ask them if your card has any joining/annual fee, also DM on twitter and ask them LTF confirmation and finally email them for written confirmation. I've confirmation from all three.

Do not generate PIN for card that will activated card. Open the link which you received through SMS, after you enter OTP it will show you virtual card. Don't instal kotak app and setup yet as that required active card.

 

[samm255]

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

There is no minimum amount for points? On their website they say 12 points for Rs150 spend so I figured 150 is minimum spend for points?

 

[VISHESH_BANSAL]

There is no minimum amount for points? On their website they say 12 points for Rs150 spend so I figured 150 is minimum spend for points?

Yes.
If you do Rs.13, You will get 1 RP.

 

[samm255]

If you do Rs.13, You will get 1 RP.

Fir to balle balle ho gaya, MCC code nikalwata hu pas wale general store ka. Mujhe to laga useless card hai, bank offers ke liye apply kar diya tha. 😆

 

[dan873]

Yes.
If you do Rs.13, You will get 1 RP.

How do u track the reward points
I did A UPI transaction of 36 rs and have received 1 rp shown on statement pdf

But where do I track it on app?

 

[VISHESH_BANSAL]

How do u track the reward points
I did A UPI transaction of 36 rs and have received 1 rp shown on statement pdf

But where do I track it on app?

Kotak Rewards Section and Statment

Txn waise pta karna hai toh Call Customer Care.

 

[dan873]

Kotak Rewards Section and Statment

Txn waise pta karna hai toh Call Customer Care.

Do the give detailed txn wise pdf something if requested through customer care email

Currently I have zero points kotak rewards section but in Statement it said earned 1 point

Does kotak rewards section takes time to reflect points

 

[VISHESH_BANSAL]

Do the give detailed txn wise pdf something if requested through customer care email

Try, I never demanded such Statment

Currently I have zero points kotak rewards section but in Statement it said earned 1 point

Does kotak rewards section takes time to reflect points

No. After Txn settlement at Midnight,
In morning points are visible In Rewards Section

 

[dan873]

Try, I never demanded such Statment

No. After Txn settlement at Midnight,
In morning points are visible In Rewards Section

The rewards section is a website opened via app right?

 

[card-shard]

Got written confirmation that IOCL card is LTF. (NTB customer, applied via provided link)

 

[VISHESH_BANSAL]

The rewards section is a website opened via app right?

Y E S

 

[ashwinkashwink is verified member.]

Got written confirmation that IOCL card is LTF. (NTB customer, applied via provided link)

How can we make it LTF ?
@VISHESH_BANSAL sahab ?

 

[VISHESH_BANSAL]

How can we make it LTF ?
@VISHESH_BANSAL sahab ?

By Spending 50k every Year

 

[ashwinkashwink is verified member.]

By Spending 50k every Year

Lekin LTF hone ka kuch alag hi satisfaction hai 🆓️🤡

 

[varun__goel_]

Lekin LTF hone ka kuch alag hi satisfaction hai 🆓️🤡

Retention vaalo se ab bheek mangni pdegi🙂

NTB ko ltf de rhe to etb ko convert kr hi denge