Got pre-approved Kotak credit card

246°
Deal Cadet
Mufasa

Got a notification pre-approved credit card but upon proceeding the application it asked me my occupation & office adress. I simply filled my Residencial Address & Self employed.


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35 Comments  |  
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Flame Flame
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Yes fill office details no verification u will get kotak cc

Spearhead Spearhead
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Getting notification & messages for same is it worth applying I currently hold HDFC diners black also getting msg from SBI for simply click.

Deal Subedar Deal Subedar
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aiman wrote:

Getting notification & messages for same is it worth applying I currently hold HDFC diners black also getting msg from SBI for simply click.

is it a message from SBI or PaissaBazzar

Spearhead Spearhead
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Sudarshan61 wrote:

is it a message from SBI or PaissaBazzar

It’s from Paisa bazar

Deal Subedar Deal Subedar
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@Mufasa Notification from kotak app? Did you check in internet banking as well?

Hotshot Hotshot
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Only take kotak cards if it’s ltf because reward points value is very pathetic for most cards..1 point is ₹0.1. even if it’s 8x it’s 0.8 per ₹150. Only benefit to use during card sales..

Deal Cadet Deal Cadet
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prem4998 wrote:

I got pop notification from Kotak 811. After few hour, I received offer in my mail also.

I got pop notification from Kotak 811. After few hour, I received offer in my mail also. I didn’t find pre-approved offer in kotak 811 app byt showing in kotak net banking.

https://cdn0.desidime.com/attachments/photos/727174/medium/Screenshot_2021-12-10-17-00-34-407_com.google.android.gm.jpg?1639135848

Deal Cadet Deal Cadet
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Fanil wrote:

Only take kotak cards if it’s ltf because reward points value is very pathetic for most cards..1 point is ₹0.1. even if it’s 8x it’s 0.8 per ₹150. Only benefit to use during card sales..

It was offered me as LTF if chargeable, I wil get it closed without second thought. Rewards points is very pathetic only good for occasional 10% card discounts in sales or grocery.

Deal Lieutenant Deal Lieutenant
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It’s LTF card offer always there.. It’s based on FD based credit card..

Deal Subedar Deal Subedar
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Mufasa wrote:

It was offered me as LTF if chargeable, I wil get it closed without second thought. Rewards points is very pathetic only good for occasional 10% card discounts in sales or grocery.

Totally agree. Take it. You have proofs so no need to worry at all.

Deal Subedar Deal Subedar
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@Mufasa If you don’t mind, can you share your account variant, MAB etc?

Deal Subedar Deal Subedar
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Fanil wrote:

Only take kotak cards if it’s ltf because reward points value is very pathetic for most cards..1 point is ₹0.1. even if it’s 8x it’s 0.8 per ₹150. Only benefit to use during card sales..

Last month, I have got Kotak League platinum LTF card.
For first transaction Rs. 2580, received 69 reward points. Under cashback redeem, showing Kotal rewards KR 27. Minimum KR 400 needed to redeem into cashback.
Any cashback redeem charges ? What is the value of KR 1 ?

Delhi Capitals Delhi Capitals
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do kotak have any non-fd based ltf card?

Deal Cadet Deal Cadet
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prem4998 wrote:

@Mufasa If you don’t mind, can you share your account variant, MAB etc?

My account Variant is kotak 811 No MAB required. I don’t maintain much balance. 1~2K like balance lying in this account. I guess they offered me on the basis of credit history. Will update you of the card is approved. It is still under process.

Deal Subedar Deal Subedar
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Mufasa wrote:

My account Variant is kotak 811 No MAB required. I don’t maintain much balance. 1~2K like balance lying in this account. I guess they offered me on the basis of credit history. Will update you of the card is approved. It is still under process.

Thanks! Let me know once you got the card in hand 🙂

Forgot to ask. How old is your account? expressionless

Deal Cadet Deal Cadet
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prem4998 wrote:

Thanks! Let me know once you got the card in hand 🙂

Forgot to ask. How old is your account? expressionless

Around 3~4 years

Deal Subedar Deal Subedar
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Mufasa wrote:

My account Variant is kotak 811 No MAB required. I don’t maintain much balance. 1~2K like balance lying in this account. I guess they offered me on the basis of credit history. Will update you of the card is approved. It is still under process.

Mostly you won’t get card approved SMS. Within a week, you will get card dispatched SMS. This happened with me and few other dimers.

Critic Critic
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demerius2020 wrote:

do kotak have any non-fd based ltf card?

None officially but for existing customers there are chances of some ltf card offer but usually there is joining fee for such cards even if offer say no annual fee.

Critic Critic
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sri222 wrote:

Last month, I have got Kotak League platinum LTF card.
For first transaction Rs. 2580, received 69 reward points. Under cashback redeem, showing Kotal rewards KR 27. Minimum KR 400 needed to redeem into cashback.
Any cashback redeem charges ? What is the value of KR 1 ?

Have you tried contacting kotak customer care? I also have the same query.

Deal Cadet Deal Cadet
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Whenever I am trying to apply through the pre-approved offer link it’s throwing an error message that your application is already under process or previous session expired contact customer care. This issue persisting for past 15 days. So any solution?

Deal Subedar Deal Subedar
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guest_999 wrote:

Have you tried contacting kotak customer care? I also have the same query.

For League platinum credit card
100 reward points = KR 40 (kotak rewards) = Rs.10
1 reward point = 10 paisa
Rs.150 = 4 reward points = 40 p
Rs.150 = 8 reward points = 80 p
No cashback redemption charges.https://cdn0.desidime.com/attachments/photos/727604/medium/IMG_20211212_214735.jpg?1639335705

Deal Cadet Deal Cadet
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sri222 wrote:

Mostly you won’t get card approved SMS. Within a week, you will get card dispatched SMS. This happened with me and few other dimers.

After how many days of applying, you got the card dispatch messages.

Deal Subedar Deal Subedar
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Mufasa wrote:

After how many days of applying, you got the card dispatch messages.

After 5 days

Deal Cadet Deal Cadet
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Mufasa wrote:

Around 3~4 years

I didn’t get approval message but the card was directly directly dispatched today.https://cdn0.desidime.com/attachments/photos/727891/medium/IMG_20211214_180953.jpg?1639488527

Deal Cadet Deal Cadet
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Mufasa wrote:

I didn’t get approval message but the card was directly directly dispatched today.

have u checked cibil?? is there a hard enquiry??

Deal Cadet Deal Cadet
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aniket1587 wrote:

have u checked cibil?? is there a hard enquiry??

No hard hard cibil enquiry has been done, probably will reflect next month if hard cibil enquiry was done. My CIBIL is still 770

Deal Cadet Deal Cadet
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Mufasa wrote:

No hard hard cibil enquiry has been done, probably will reflect next month if hard cibil enquiry was done. My CIBIL is still 770

did u submit as salaried or self employed? income details?? between 5 to 10 lacs or more than 10L??

Deal Cadet Deal Cadet
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aniket1587 wrote:

did u submit as salaried or self employed? income details?? between 5 to 10 lacs or more than 10L??

No I was offered this card pre-approved. No salary, ITR was asked. I just filled the basic kyc details. Many ppl have got this card recently pre approved based on banking relationship & Credit Score history.

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