https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561115
How to get this card @abhishek012
Kotak launch Virtual only Lifetime free UPI RuPay Credit Card
- 11416
- 65
-
- Last Comment
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. | ||
- Groups
-
Finance
-
Credit Card
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=1#post_9561126
1000 reward points =100rs
3 rp for 100
So basically 0.3% cashback,
kotak giving tough competition to Bajaj and Cred.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561141
Chin42 wrote:1000 reward points =100rs
3 rp for 100
So basically 0.3% cashback,
kotak giving tough competition to Bajaj and Cred.
.30 is better then .25(-99+gst) of icici rupay..lol
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561155
Where is link to apply?
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561179
relwanivasudev473 wrote:Wait few days/weeks. You will soon get apply option on your Kotak bank app or Kotak website.Where is link to apply?
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).
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561193
Reward is very less, but it looks good to get something on upi payments as well. 
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561209
Expand
abhishek012 wrote:Ok
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).
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561238
Is it better than ICICI Coral Rupay LTF?
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561294
TrustPilot wrote:ICICI give 10% sales discount offers on Amazon, Flipkart, Jiomart, Myntra, Tata cliq, Samsung etc.Is it better than ICICI Coral Rupay LTF?
You can use ICICI Coral RuPay CC LTF Card there.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561301
Expand
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.
Bhai he wanted a comparison, you want him to take both 
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561335
Naming ceremony wasn't done by Kotak due to cash crunch.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561353
What is the benefit of RUPAY CC that everyone is running for ?
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561363
kool wrote:It has the unfair advantage of being useful on UPI, i dont know why visa doesn'tcomplain to CCIWhat is the benefit of RUPAY CC that everyone is running for ?
.For semi urban and rural, can't use a Card directly, as QR more than POS.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561404
Expand
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).
Is there any LTF on kotak cards ?
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561406
That's why they were not giving RPs for league UPI trnx also not counting for milestone 🤔
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561407
Expand
raja.muralidharan wrote:Is there any LTF on kotak cards ?
LEAGUE RUPAY
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561410
TrustPilot wrote:Is it better than ICICI Coral Rupay LTF?
what have you found good in ICICI cards? their cards only made for discount offers 😂😂
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561448
Kotak app not working anyone facing the same?
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561507
DimeEarner wrote:I think Reward Points will not be accrued for transaction categories such as: Rent, Fuel, Railway, Wallet Loading, EMI, Education & Balance Transfer.That's why they were not giving RPs for league UPI trnx also not counting for milestone 🤔
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561628
Offtopic: which is the best credit card for rewards which I can apply online? Also, which card can give me good discount in big billion days, I know any card offers are not out yet but what do you think which card will be guaranteed to give discount on BBD.
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561693
Expand
abhishek012 wrote:
I think Reward Points will not be accrued for transaction categories such as: Rent, Fuel, Railway, Wallet Loading, EMI, Education & Balance Transfer.
No brother i am using it for daily expenses not getting any this
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561740
Expand
DimeEarner wrote:Try on large merchant like Amazon, Flipkart etc and minimum Rs150+ spend.No brother i am using it for daily expenses not getting any this
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9561809
Expand
abhishek012 wrote:
Try on large merchant like Amazon, Flipkart etc and minimum Rs150+ spend.
Just checked milestone counted i think they had some issue, that's why they were under maintenance from 17 September
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9562371
What is this UPI in credit card 🤔, I heard but don't know exactly.. we can make scan and pay QR payments.. that's it , or any other advantage
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9562441
parameshwar_yadav wrote:What is this UPI in credit card 🤔, I heard but don't know exactly.. we can make scan and pay QR payments.. that's it , or any other advantage
You can use Rupay Credit Card to scan and Pay via UPI payment mode.
As many merchants ( especially small ) except only UPI. So this helps them too. Also, you can earn additional benefits from your card if any
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9562443
Expand
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.
Bank discount on Amazon is working now for Coral Rupay?
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9562448
Bin issue, Amazon has to yet add the bin of icici coral rupay credit cards
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9562457
Whare is link to apply
https://www.desidime.com/discussions/kotak-launch-virtual-only-lifetime-free-upi-rupay-credit-card?page=1#post_9562470
Expand
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
pjain2712 wrote:Yes, we complaint on Monday and BIN added within a few hours.Bank discount on Amazon is working now for Coral Rupay?
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
Click here to reply
Reply
![Amazon Sample Just Re 1 [Selected Accounts]](https://cdn1.desidime.com/topics/photos/1659976/medium/618gfaoNiXL._SL1320_.jpg?1696099629)
1000 reward points =100rs
3 rp for 100
So basically 0.3% cashback,
kotak giving tough competition to Bajaj and Cred.
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
You can use ICICI Coral RuPay CC LTF Card there.