Upgrade Kotak Myntra card

[chandra.prakash]

I have Kotak Mahindra card from last 6 month. Can I request to upgrade this to other card like white or more with FYF.

Because I got kotak on mastercard and i already have Axis Ace which is sufficient for offline and also no purchase on Myntra app.

So please give suggestions should I request to upgrade this or close.

 

[Vasuki]

Dont know, applied online while they were giving league rupay ltf, approved without any kyc or verification as i was already holding myntra
kotak myntra applied - 14 July
kotak league rupay applied - 29 August

Will apply after 1month statement .
I applied
23 -dec . approved 29( no vkyc , no income check )

 

[chandra.prakash]

Dont know, applied online while they were giving league rupay ltf, approved without any kyc or verification as i was already holding myntra
kotak myntra applied - 14 July
kotak league rupay applied - 29 August

Any cibil inquiry also check or not

 

[FinoGuy]

Dont know, applied online while they were giving league rupay ltf, approved without any kyc or verification as i was already holding myntra
kotak myntra applied - 14 July
kotak league rupay applied - 29 August

Just curious to know why did you apply league rupay after getting komyn?? I mean you could've used komyn as FYF then nearing 1yr you could've asked them to convert LTF or downgrade to league rupay no??

 

[Vasuki]

Just curious to know why did you apply league rupay after getting komyn?? I mean you could've used komyn as FYF then nearing 1yr you could've asked them to convert LTF or downgrade to league rupay no??

I only want le from kotak now .. and maybe iocl card from them

 

[FinoGuy]

I only want le from kotak now .. and maybe iocl card from them

Why? Do you feel like paying Rs. 100+gst.. to them ?

 

[Vasuki]

Why? Do you feel like paying Rs. 100+gst.. to them ?

I joined cc 6 -8month ago..

I have 90k axis hence got 68 on kotak .. so 80% limit . Even though it was not c2c. .
Feels like they matched it .
So obusly i want higher limit on cards .
Since its good Reward on upi .. having limit will have some flexibility
So 118 rs . Doesn't matter ..since its serves the interst in long term

 

[captaintorchtm]

Just curious to know why did you apply league rupay after getting komyn?? I mean you could've used komyn as FYF then nearing 1yr you could've asked them to convert LTF or downgrade to league rupay no??

Komyn is MasterCard and helpful for me as it gives a 15% discount on Myntra during some sales, so can't close it and do not want to change it to Rupay, so got league rupay as it was ltf

 

[FinoGuy]

Komyn is MasterCard and helpful for me as it gives a 15% discount on Myntra during some sales, so can't close it and do not want to change it to Rupay, so got league rupay as it was ltf

Oh, I didn't knew the 15% part..

 

[captaintorchtm]

Oh, I didn't knew the 15% part..

Yup its hit and miss but its there for some big sales.

 

[FinoGuy]

Yup its hit and miss but its there for some big sales.

Ok, so it's extra 7.5%. So technically, 5% extra discount during sales, because other bank cards will hv 10% off usually (but with minimum spend criteria of course). + in other bank cards, one will get base cashback as well, for example SimplyClick 2.5% extra, hdfc millennia /swiggy 5%extra cashback, along with 10%off.. Nonetheless straight up discount is always better compared to cashback/rewards

 

[Vasuki]

Ok, so it's extra 7.5%. So technically, 5% extra discount during sales, because other bank cards will hv 10% off usually (but with minimum spend criteria of course). + in other bank cards, one will get base cashback as well, for example SimplyClick 2.5% extra, hdfc millennia /swiggy 5%extra cashback, along with 10%off.. Nonetheless straight up discount is always better compared to cashback/rewards

Myntra is no nonsense direct cashback.. unlike Flipkart axis is u have to wait .. here its direct and u don't have to pay

 

[captaintorchtm]

Ok, so it's extra 7.5%. So technically, 5% extra discount during sales, because other bank cards will hv 10% off usually (but with minimum spend criteria of course). + in other bank cards, one will get base cashback as well, for example SimplyClick 2.5% extra, hdfc millennia /swiggy 5%extra cashback, along with 10%off.. Nonetheless straight up discount is always better compared to cashback/rewards

you can exclude sbi from the list, as per new policy, if you get instant discount then your RP will be reversed in upcoming months and if you have used the RP then they will charge the equivalent money in the next statement

 

[Vasuki]

White is useless, saying with experience. It's best who don't care of rewards.

Get it converted to rupsy.

Any kotak card worth keeping? Which one is the best kotak cc

 

[Tejo]

Any kotak card worth keeping? Which one is the best kotak cc

Myntra kotak rupay.

 

[Vasuki]

Myntra kotak rupay.

I have that one .. anything else

 

[FinoGuy]

I have that one .. anything else

Mojo rupay ltf
League rupay ltf
Pvr ltf

 

[Vasuki]

Mojo rupay ltf
League rupay ltf
Pvr ltf

Any particular benefits

 

[ADITYA1904]

Mojo rupay ltf
League rupay ltf
Pvr ltf

Pvr ltf how?

 

[Vasuki]

Pvr ltf how?

Pvr inox is new launch

 

[Aniket]

Mojo rupay ltf
League rupay ltf
Pvr ltf

@FinoGuy @DocFixIt Zen signature?