https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562532
How many Kotak cards can one hold.
Already have 2. Can I still apply for this one and get it approved ? @abhishek012
Kotak launch Virtual only Lifetime free UPI RuPay Credit Card
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Kotak launch Virtual only Lifetime free UPI RuPay Credit Card:
Features -
Credit meets Convenience with Kotak UPI RuPay Credit Card. Link your card on UPI Apps & make payments instantly
Reward Benefit
Earn 3 Reward Points* per ₹100 spent
Credit Card on UPI
Enjoy facility of making UPI Payment with your credit card.
Virtual Credit Card
Go wallet free by making instant payments with your credit card.
Lifetime Free Card
No Joining & Annual Fees for life time.
UPI payment on Credit Card:
- Enjoy a seamless experience of making UPI Transactions with your Kotak UPI RuPay Virtual Credit Card on your preferred UPI Apps
- For more information regarding how to make UPI Payments with your RuPay Credit Card, Click Here
Earn Reward Points
- Earn 3 Reward Points* against every ₹ 100 spent.
- No capping limit per statement cycle on earning Reward Points
- Reward Points will be accrued for both UPI as well as Regular# Credit Card Transactions
- Every 1,000 Reward Points will be equivalent to ₹ 100
- Minimum 1000 Reward Points will be required for redemption
Life Time Free Card
*Reward Points will not be accrued for transaction categories such as: Rent, Fuel, Railway, Wallet Loading, EMI, Education & Balance Transfer
#Regular Credit Card Transactions include Online/E-Commerce and International Transactions made virtually
Eligibility Criteria
- Customer should be an existing Kotak Credit Card holder
- Customer should be in age bracket of 18-65 Years
- Customer should be a resident of India
Link your Virtual Credit Card on UPI Payment Apps
- Unfold UPI Magic with Kotak UPI RuPay Virtual Credit Card. Link your card on UPI Apps & set UPI Pin for making UPI Transactions
- For more information on how to link your RuPay Credit Card on UPI Apps, Click Here
Manage your virtual Credit Card on Kotak Mobile Banking App
- Kotak UPI RuPay Credit Card will be issued as virtual only card and no physical card will be issued. For your convenience, the card details will be auto-registered in Kotak Mobile Banking App under Credit Card section. To view card details, follow the below steps:
- Login into Kotak Mobile Banking App
- Go to “Credit Card” Section
- Go to “Card Overview” Section
To enable E-Com/Online & International Transactions & manage card usage settings, please click on “Card Control” Tab under “Card Overview” Section in Kotak Mobile Banking App.
Fees & Charges
| Fee & Other Parameters | Kotak UPI RuPay Credit Card | |
|---|---|---|
| Joining Fees | Nil | |
| Annual Fees | Nil | |
| Add on Card Benefit (Virtual Card) | Not Applicable | |
| Interest Charges on outstanding Balances | 3.5% (Annualized Rate - 42%) | |
| Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due) | MAD can be 5% or 10% of TAD as decided by the Bank | |
| Late Payment Charges ("LPC") | Due as per last statement | LPC Charges |
| <₹ 100 | ₹ 0.0 | |
| ₹ 100 – ₹ 500 | ₹ 100 | |
| ₹ 501 – ₹ 5,000 | ₹ 500 | |
| ₹ 5,001 – ₹ 10,000 | ₹ 600 | |
| ₹ 10,001 – ₹ 25,000 | ₹ 800 | |
| ₹ 25,001 – ₹ 50,000 | ₹ 1000 | |
| >₹ 50,000 | ₹ 1200 | |
| Over Limit Charge | ₹ 500 | |
| Cheque Bounce Charges | Higher of (2% of bounce amount or ₹ 500) | |
| Auto Debit Return Charges | Higher of (2% of bounce amount or ₹ 450) | |
| Foreign Currency Mark Up | 3.5% per transaction + GST | |
| Railway Booking Surcharge Waiver | Not Applicable | |
| Fuel Surcharge Waiver | Not Applicable | |
| Fee for Cash payment at Bank | ₹ 100 | |
| Reissue/ Replacement Card (per Card) | Nil (As it is a virtual card) | |
|
Note: GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card. | ||
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Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Top Comments
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562541
what's.process to apply kotak rupay credit card??
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562645
amey_dev143 wrote:How many Kotak cards can one hold.
Already have 2. Can I still apply for this one and get it approved ? @abhishek012
How did you get the 2 nd credit card from kotak?
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562666
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562681
I have 3 kotak cards limits not shared all cards have diffent limits kotak Indian oil card 3L, league card 3L , indigo XL 4.2L
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562718
Does HDFC virtual RuPay card work on Amazon/flipkart discounts?
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562828
amey_dev143 wrote:AFAIK at least 4 but dunno if only Privy league members are eligible for that.As every bank is pushing for Rupay,chances of approval are higher.There is no harm in trying.How many Kotak cards can one hold.
Already have 2. Can I still apply for this one and get it approved ? @abhishek012
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562937
iamrafic wrote:Yes, both HDFC virtual RuPay CC working on Amazon/Flipkart discount offers.Does HDFC virtual RuPay card work on Amazon/flipkart discounts?
Note - both are same card but one is business variant and another one is non-business variant.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562940
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Earlier I got an option to apply the card for FYF, but now its showing 250+GST as joining fees
.
Will wait and apply later.
abhishek012 wrote:Thanks Bro
Yes, both HDFC virtual RuPay CC working on Amazon/Flipkart discount offers.
Note - both are same card but one is business variant and another one is non-business variant.
Earlier I got an option to apply the card for FYF, but now its showing 250+GST as joining fees
.Will wait and apply later.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562941
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Visit the link and choose "Mojo RuPay", "League RuPay" or Urbane RuPay" - https://cards.kota...m/
Note - dnt click on "League Platinum" option, scroll down and you will see "League RuPay" option.
@shyambagda
murari333 wrote:Visit Kotak website and apply 2nd card. One person got League Visa and League RuPay both are LTF.How did you get the 2 nd credit card from kotak?
Visit the link and choose "Mojo RuPay", "League RuPay" or Urbane RuPay" - https://cards.kota...m/
Note - dnt click on "League Platinum" option, scroll down and you will see "League RuPay" option.
@shyambagda
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9562973
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abhishek012 wrote:bro mojo rupay ka option aa rha ha rs 1000 annual fees bta rha ha or full detail mang rha ha company details employee status ya sab kuch kya verification hoga kya is card ka leya
Visit Kotak website and apply 2nd card. One person got League Visa and League RuPay both are LTF.
Visit the link and choose "Mojo RuPay", "League RuPay" or Urbane RuPay" - https://cards.kota...m/
Note - dnt click on "League Platinum" option, scroll down and you will see "League RuPay" option.
@shyambagda
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9563006
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Kotak me already account hai toh kuch nahi verification hoga but new customer ho Kotak k toh shayad bahot kuch mange.
shyambagda wrote:League RuPay is LTF.
bro mojo rupay ka option aa rha ha rs 1000 annual fees bta rha ha or full detail mang rha ha company details employee status ya sab kuch kya verification hoga kya is card ka leya
Kotak me already account hai toh kuch nahi verification hoga but new customer ho Kotak k toh shayad bahot kuch mange.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9563010
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abhishek012 wrote:Phala sa kotak ka zen signature card chal rha ha visa network ka phr bhi ya sab mang raha hai
League RuPay is LTF.
Kotak me already account hai toh kuch nahi verification hoga but new customer ho Kotak k toh shayad bahot kuch mange.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9563229
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abhishek012 wrote:
Wait few days/weeks. You will soon get apply option on your Kotak bank app or Kotak website.
However some user told, Mail to [email protected] to issue virtual credit card based on your existing card with shared limit (Personally not confirmed yet).
Did this today. Will update as soon as I get more information
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9563502
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shyambagda wrote:Phir toh nahi mangna chahiye tha.
Phala sa kotak ka zen signature card chal rha ha visa network ka phr bhi ya sab mang raha hai
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9563979
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abhishek012 wrote:
Visit Kotak website and apply 2nd card. One person got League Visa and League RuPay both are LTF.
Visit the link and choose "Mojo RuPay", "League RuPay" or Urbane RuPay" - https://cards.kota...m/
Note - dnt click on "League Platinum" option, scroll down and you will see "League RuPay" option.
@shyambagda
I have Zen Signature & League Rupay Platinum both LTF.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9563990
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abhishek012 wrote:
Try on large merchant like Amazon, Flipkart etc and minimum Rs150+ spend.
RPs showing but in Kotak Rewards page not below the the card details in Kotak app
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9564177
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Parag_Jyoti_Lahkar wrote:@shyambagdaI have Zen Signature & League Rupay Platinum both LTF.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9564396
10 percent discount in sales or not
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9564712
Good one 
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9564763
Will it affect our Cibil score provide we already hold kotak credit card? I applied for Kotak Leage last month but got Visa card and now planning to apply for PNB rupay.
If it won't affect our Cibil then probably I'll go with this one.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9564808
Nothing in my account.... i got upgrade to zen signature as LTF last month might be the reason
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9565291
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amey_dev143 wrote:Did this today. Will update as soon as I get more information
Got this reply :
Dear Amey,
We are here to help.
I, Aishwarya, from the Kotak customer service team,
We do understand your concern and will try to help you with the same.
We regret for the inconvenience caused to you in this matter.
We tried calling you not able to contact you .
We further would like to inform you that we do not source a lifetime free Kotak credit card and we are unable to convert the card variant .
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9566150
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abhishek012 wrote:
ICICI give 10% sales discount offers on Amazon, Flipkart, Jiomart, Myntra, Tata cliq, Samsung etc.
You can use ICICI Coral RuPay CC LTF Card there.
How to apply this card?
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9566539
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looter143 wrote:How to apply this card?
check on your Imobile app or icici net banking.
ICICI offering pre-approved free Coral RuPay CC LTF
More details - https://www.desidime.com/discussions/icici-is-o...
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9566695
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abhishek012 wrote:
Yes, we complaint on Monday and BIN added within a few hours.
ICICI finally added RuPay Coral CC BIN on Amazon Discount offers + EMI offers - https://www.desidime.com/discussions/icici-fina...
Note - offer started from 18th sept working, old existing offers are not working.
@murari333
How can I convert ICICI coral visa card to rupay ?
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9566739
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9569298
Useless card.. better take Tata Tata neu card..
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=2#post_9571439
Xtreme1319 wrote:ye batao koiWhare is link to apply
Click here to reply
Reply
![Grocery Deals - Up to 70% Off [Location Specific]](https://cdn3.desidime.com/topics/photos/1707068/medium/500-durum-wheat-fusili-pasta-regular-chef-s-basket-original-imafuq8vcqzhezjb.jpeg?1701804116)
1000 reward points =100rs
3 rp for 100
So basically 0.3% cashback,
kotak giving tough competition to Bajaj and Cred.
You can use ICICI Coral RuPay CC LTF Card there.
ICICI finally added RuPay Coral CC BIN on Amazon Discount offers + EMI offers - https://www.desidime.com/discussions/icici-fina...
Note - offer started from 18th sept working, old existing offers are not working.
@murari333