Got pre-approved Kotak credit card

Yes fill office details no verification u will get kotak cc

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

https://www.desidime.com/discussions/kotak-offe...
@Mufasa @aiman

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

Sudarshan61 wrote:

is it a message from SBI or PaissaBazzar

It’s from Paisa bazar

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

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..

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.

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.

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

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.

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

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 ?

do kotak have any non-fd based ltf card?

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.

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?

prem4998 wrote:

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

Forgot to ask. How old is your account?

Around 3~4 years

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.

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.

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.

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?

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.

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.

Mufasa wrote:

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

After 5 days

Mufasa wrote:

Around 3~4 years

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

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??

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

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??

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.