Kotak Credit Card Upgrade

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I had applied for a Kotak Secured Credit Card last year to build up the credit score. Now it is over 750 and I wish to get a normal credit card from Kotak. In the meantime I got a credit card from HDFC. I have heard that Kotak Bank issues a second credit card (2 at the same time). What is the procedure for the same? Or should I close the secured one first and apply for the second card later on?

Also, will I get pre-approved card till the time I am holding Kotak Dream Different Credit Card? Thank you in advance.

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No idea about kotak cards.
Never owned card from kotak.
I’ll suggest you go for only ltf card from kotak.

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nimod wrote:

No idea about kotak cards.
Never owned card from kotak.
I’ll suggest you go for only ltf card from kotak.

Any other provider’s card you would like to suggest?

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Nothing else..just apply new Credit card online..you may get other one.

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nimod wrote:

SBI simply Click, Axis FK, Amex MRCC.

Thank you for your suggestions. But currently I don’t feel that I will be able to extract the benefits worth the Joining and Annual fees. Any other Amex card in your mind? @nimod

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JonSnowLongclaw wrote:

Thank you for your suggestions. But currently I don’t feel that I will be able to extract the benefits worth the Joining and Annual fees. Any other Amex card in your mind? @nimod

Amex smartearn

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Thank you @nimod and @ F7-Dimer-Primer
Also, are there any LTF offers running by credit card companies? Like we had 1 from HDFC bank, just before RBI Intervention

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JonSnowLongclaw wrote:

Thank you @nimod and @ F7-Dimer-Primer
Also, are there any LTF offers running by credit card companies? Like we had 1 from HDFC bank, just before RBI Intervention

Both Citi rewards and smartearn are paid..
Spend based Fee waiver.

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nimod wrote:

Both Citi rewards and smartearn are paid..
Spend based Fee waiver.

Can Citibank Cards be applied on Card to Card Basis?

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JonSnowLongclaw wrote:

Can Citibank Cards be applied on Card to Card Basis?

Citibank never asks for income docs. So you can just apply. They either approve or they dont approve. Thats all. Only KYC docs.

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F7-Dimer-Primer wrote:

Citibank never asks for income docs. So you can just apply. They either approve or they dont approve. Thats all. Only KYC docs.

I have also heard that citibank only issues card to salaried people.

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