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which kotak credit card makes sense!

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Vasuki

Vasuki

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1- kotak white reserve ( lets not talk about trash)
2- kotak white ( is it offered ltf or only a paid card ) other than lounge access ! Anyone has any experience
3- zen signature ( is this best visa Ltf card offered by kotak )
4- league Platinum ( low tier ltf )
5,6,7- lets not talk about mojo ,pvr & xa ching 🗑️ trash .
 
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helloworld said:
View attachment 47367

1.67% and 0.83%
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First of all thanks for ur effort and reply back.
To OP, mojo is way better than this in terms of loot purpose. Mojo gives unlimited 1% cashback and no catagory is excluded+milestone benefit+to talk to customer care u just need to send a sms and they call u back.(Very convenient).
Mojo has rupay and visa version. I had visa now converted to rupay.
 
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#aniket said:
@helloworld How do you compare Zen & Mojo, your view?
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for 1st year, I prefer Mojo (if one really wants to spend on these kotak cards).

Good thing (which is rare in this bank) about kotak is you'll get upgrade offer based on limit easily and its mostly FYF. So, you always can have LTF kotak card (if no particular card requirement).

Mojo 1st year - 2.3% with milestone
Zen - Just above Mojo and has lounge benefit, nothing special with this card actually, same for all Kotak cards.
 
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Last edited:
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I have been using Kotak IOCL card since Sep 2023. Annual fee is 449 which is waived off at Annual spends of Rs 50k. Benefit on IOCL fuel is 5% cashback on rewards, maximum monthly limit is Rs 300/1200 rewards points. I find it quite useful as limit is more than other competing IOCL cobranded cards. Cashback is payable upto maximum purchase is Rs 7500 fuel monthly.
 
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pranjal1984 said:
I have been using Kotak IOCL card since Sep 2023. Annual fee is 449 which is waived off at Annual spends of Rs 50k. Benefit on IOCL fuel is 5% cashback on rewards, maximum monthly limit is Rs 300/1200 rewards points. I find it quite useful as limit is more than other competing IOCL cobranded cards. Cashback is payable upto maximum purchase is Rs 7500 fuel monthly.
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Did u had any redemption problem
 
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leonneel said:
What is the value back of zen signature? It's 5 zen point every 150 rs.
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DocFixIt said:
Kotak white reserve give 2.35% return on 1cr spends 🌝

Yes i already have it , was just wondering about visa card of kotak hence no mention of rupay

For c2C 🥸


Mojo is rupay i guess ( already have Myntra)

Yes 10% on selected & 5 on other
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Mojo is available on both visa and rupay
 
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DocFixIt said:
Thanks i m not NTB .. already having Kotak myntra.

Icici is Behaving like Math's teacher .hence no cc from them
Kotak is same in giving limit .. so for getting higher limit..i m looking forward to visa powered LtF Kotak card .( Which has some value )
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Kotak not giving me any limit enhancements or card upgrades. I have been holding a kotak account for over 15 years now, had one as a junior account and upgraded to a regular savings after 18 and then upgraded to ace.

The only card they offered me were league, mojo and pvr. With a limit of 30k, My AMB requirement is more than the limit these guys are offering. When I asked for a limit increase they had the balls to send me an improved offer for 35k.

If it wasn't for the fact that they give me better rates on loans, I would never even want to visit them for life.
 
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VladimirPumpkin said:
Kotak not giving me any limit enhancements or card upgrades. I have been holding a kotak account for over 15 years now, had one as a junior account and upgraded to a regular savings after 18 and then upgraded to ace.

The only card they offered me were league, mojo and pvr. With a limit of 30k, My AMB requirement is more than the limit these guys are offering. When I asked for a limit increase they had the balls to send me an improved offer for 35k.

If it wasn't for the fact that they give me better rates on loans, I would never even want to visit them for life.
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Banks are highly random.
You should close & get new card
But 15 year ..cibil will take a toll if other card are not that old
 
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DocFixIt said:
Banks are highly random.
You should close & get new card
But 15 year ..cibil will take a toll if other card are not that old
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I just didn't see the need. My RM could do that but I didn't see the point since any kotak offers that are available with CC are also available with DC. And the rewards offered by the CC's do not give any value to bother with upgrading them.

And I don't care much about closing CC's since I didn't start my credit history with them but through secured loans. So closing the CC's has minimal impact on me.
 
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VladimirPumpkin said:
I just didn't see the need. My RM could do that but I didn't see the point since any kotak offers that are available with CC are also available with DC. And the rewards offered by the CC's do not give any value to bother with upgrading them.

And I don't care much about closing CC's since I didn't start my credit history with them but through secured loans. So closing the CC's has minimal impact on me.
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True True
Kotak card aren't worth hassle
I got kotak card without hassle with zen signature ltf ( now paid ) i m done with kotak cc
 
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Desu Sarath said:
Kotak is the only bank never called me after i stopped my CC application in Mid way. I was happy about that, many banks will spam and kill peace of mind.
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really....they called me so many times after i put mobile number....didn't even enter otp.....now if i want to harass anyone...i just put their number in rbl and kotak bank new account opening section and then they get calls for 4-5 days constant from diffeent numbers.....have seen this happen to office colleague live...he was like..i didn't open an account with them...i'm like...so happy
 
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ccdc said:
really....they called me so many times after i put mobile number....didn't even enter otp.....now if i want to harass anyone...i just put their number in rbl and kotak bank new account opening section and then they get calls for 4-5 days constant from diffeent numbers.....have seen this happen to office colleague live...he was like..i didn't open an account with them...i'm like...so happy
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Next time try bankbazaar too. Heard they are notorious spammers.
 
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ccdc said:
really....they called me so many times after i put mobile number....didn't even enter otp.....now if i want to harass anyone...i just put their number in rbl and kotak bank new account opening section and then they get calls for 4-5 days constant from diffeent numbers.....have seen this happen to office colleague live...he was like..i didn't open an account with them...i'm like...so happy
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In that case, I am the lucky 😉 no no luckiest one 😀.

But seriously, when you just put mobile number and with out doing anything,calling you is really too much.

Better try these applications in safe browsers which are controlled by organisations like our office networks, than in mobile browser or apps.
 
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ccdc said:
bank bazaar asks for otp....these guys call even if otp is not entered...i hope this loophole doesn't get abused and then get patched....i have many ppl to harass...
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Well whenever your RM annoys you. You know what to do.

Find out whenever they are having a staff meeting at the bank to discuss and appropriately time the application.

The bank CC gives a call, and if someone hears the content, let the drama unfold.

My mind coming up with various useless cheap drama thrillers because of this loophole.
 
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