I Upgraded My League CC to Zen Card..
But Its Showing NIL annual Fees.
So Please Guide me Should I Apply For Upgrade or not ?
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Same happened with You ?? Is there one time fee or Every Year ? You got same screen as I'm Getting while upgrading the card. ?
In the App under the Loans header, there is a Loans and Cards offers option.
The Zen upgrade was showing with a fee when I looked at it through the credit card upgrade section, but here it was showing as LTF.. I called Customer care and they said it was LTF for privy league members and it had to be done via CC and not directly the app..
I got my upgrade a month back.. No fee yet.. Said it was LTF but no idea how I can confirm it..
I got it because for priority pass.. gives me 3 visits a year.. the reward rate is 0.83% or 1.66% depending on spend category.. Nothing great.. 8 domestic lounge + 3 international lounge + ~1.5% reward rate on top of Kotak offers.. for a LTF card.. sure .. why not.
1point = 0.25
400 points = 100 rs.
So its either 0.83% or 1.66% .. a little more if you hit the spending milestones.
White Card looks nice, but its benefits arent really great.. if your spend is that high , you'll be better off with a premium HDFC or Axis card..
There is also no LTF option afaik for the white card.. Kotak cards arent the best.. If you have other cards, or plan on getting more/better cards, I'd stick to a LTF offering so you can just keep one without thinking about spends target.
You get nearly the same lounge benefits with the Zen card.. better / more usable cashback (unless you are hitting the 9L target.. and at that point.. just get a better card)..
Looking at the site, the white card vouchers are for specific "luxury" brands.. Not cashback.. not vouchers for amazon that you can use anywhere.. its very specific.. its not a great card for the cashback aspect..
Even the foreign currency markup is 3.5% which is higher than other premium cards..
I probably wouldnt replace the zen with a white card even for free... just not as good for my use..
I Confirmed..its Not LTF Zen .. it's a Spend based Card.. now I Will not Upgrade My League Platinum LTF Card...i will keep that card only for Online offers..so Do not upgrade Into Zen
Called the CC, they said no LTF offer visible for me in their system. If I got it via sms then the sms will have everything mentioned about charges and it needs to be applied via sms only.
Still they asked me to call after 2 days and check, let's see
What relationship you held with Kotak prior to this?
