what is the best credit card in kotak mahindra bank

neone having kotak credit card ???
i havent come across neone

go for kotak urban credit card

Havent heard any good reviews about kotak cards due to their poor rewarding structure. Used almost all their credit cards line except their super premium ones. Only Good thing about them is i never asked for any credit limit increase or card upgrade. They periodically increase your credit limit based on your spends (Never happened with any other major cards, maybe due to my salary account relationship with kotak).
As a starter if you have some obvious reasons to apply only kotak, better start with their urbane card, they will provide you all necessary upgrades and limit enhancements based on your spending behavior. However you may also try applying for Royale Signature card (Free variant), if you are looking for any lounge accesses

Using Kotak league platinum lift time free card.

Milstone rewards program

10k bonus points for every six months of spenting 1.25 lacs.

So easily you can get 20k points in a year and redeem Instant cash rewards for 1.5k rs.

Also you can collect normal points and redeem for cash rewards.

I think Kotak royal signature is the best you can get for free on card to card basis,
which i have, reward ratio is around 1.2% which can be redeemed for flights,movies and hotels
plus u get lounge access in domestic and visa weekends on bookmyshow
I had applied card to card with the old card having limit of 3L+ however in this card i got 50K limit
which the revise every 6 months

For movie lovers kotak pvr platinum is good. Though was downgraded a while back.

So finally which 1-2 Kotak cards are best? And how to get them LTF?
Guidance from experts or those having some experience with kotak cards is sought… tia:)

esakkiraja wrote:

Using Kotak league platinum lift time free card.

Milstone rewards program

10k bonus points for every six months of spenting 1.25 lacs.

So easily you can get 20k points in a year and redeem Instant cash rewards for 1.5k rs.

Also you can collect normal points and redeem for cash rewards.

What is the value of each reward point ?

rpal wrote:

So finally which 1-2 Kotak cards are best? And how to get them LTF?
Guidance from experts or those having some experience with kotak cards is sought… tia:)

If you’ve any existing relationship with kotak, then go for their royale signature card (free variant) with the help of relationship manager etc.

Edit: This is a LTF card and even if they don’t agree providing it right away, insist on it and even you can take their any variant as they offer periodic upgrades (As mentioned it happened in my case)

dev007 wrote:

If you’ve any existing relationship with kotak, then go for their royale signature card (free variant) with the help of relationship manager etc

Hmm. Based on 1 day’s understanding, shortlisted:

¹ Kotak Urbane Gold
² Kotak league platinum

Applied for the former due to: Low Spend reqd for for annual fee waiver effectively making the card LTF, Flexibility of potentially using the Milestone of 1L effectively making it ~1% CB rate (instead of 0.15%-0.225% list cb rate), Possibility of some good offer which assumed to be usable on this card (Shopclues/Elsewhere)!!

No ‘real’ banking relationship with kotak, except that i opened recently, but not used much:)

Btw, what triggered this was a cross-sell call from kotak credit card team, which they did based on data shared to them by the kotak 811 a/c that i had opened earlier..Good cross-sell strategy based on kotak811 i feel…of course, no data privacy exists there in world anymore

Pvr is good if you live in metro near a pvr cinema.

One of the worst service received from any bank provided is none other than kotak bank…
I am using kotak card since last 20 month but step by step I got disappointed…first if you go for EMI they will start reducing your credit limit….secondly you will start receiving calls for payment weeks before due date…thirdly even if you had paid bill on time but because their collection team didn’t receive details so they will start calling you like anything and inspite of paying on time…. fourth if you raise a complaint your complain will not be solved instead rejected.
All in one if you can have other credit card option than don’t go for kotak… even their rewarding is not good.
Beware!

I have 2 credit cards with them.
1 Kotak urbane
No joining. 499 renewal, reversed if yearly spend 15000
3 reward points per 150
750 rupees on 10000 reward points
10000 reward points on yearly spend of 1lakh

2 Kotak privy signature credit Card
5 points on every 100 spend
1 reward point = 25 paisa
Life time free

Kotak card are not reward friendly better go for sbi one click or amex

I took Kotak card because i don’t have any cibil.

PshycoKiLLeR wrote:

I took Kotak card because i don’t have any cibil.

And now they won’t leave ur cibil record. I have kotak bank card closed 3 years back. Till date they send monthly negative due sms along with postal bill on my old address and still sending ok to cibil records.
Tatti Bank.

spend rs 15000+ every month get 2 pvr tickets
spend rs 10000+ to 15000 get 1 pvr ticket

jambui wrote:

And now they won’t leave ur cibil record. I have kotak bank card closed 3 years back. Till date they send monthly negative due sms along with postal bill on my old address and still sending ok to cibil records.
Tatti Bank.

How can there be a negative due balance on a cc if all previous bills were already paid?

meragoyou153 wrote:
go for kotak PVR card annual fee rs 500+rs 90 gst total cost rs 590 per year

spend rs 15000+ every month get 2 pvr tickets
spend rs 10000+ to 15000 get 1 pvr ticket

Only useful if you must use 2 pvr tickets every month else you would be better off with other cards when spending this amount every month.

guest_999 wrote:

How can there be a negative due balance on a cc if all previous bills were already paid?

negative means bank owe you 1 rupees and 67 paise. 

jambui wrote:

negative means bank owe you 1 rupees and 67 paise. 

I know what negative outstanding is, I assumed all bills were paid exactly as total due amt with no refunds in between. Btw SBI card cleared my few paisa outstanding by writing it off.

jambui wrote:

negative means bank owe you 1 rupees and 67 paise. 

Lol u replied after 2 years very fast

Dileep_kumar wrote:

Lol u replied after 2 years very fast

jab dekho tab sawera, saw msg after two years 😄  desidime notifications to blamed.

Royale Signature Credit Card

(https://www.kotak.com/en/personal-banking/cards...)

vs

Zen Signature Credit Card

(https://www.kotak.com/en/personal-banking/cards...)

Received a sms asking to upgrade from Royale to Zen for lifetime free. Any suggestions on which one is more powerful ?

For me looking at the eligibility criteria Royal looks superior but wondering why Zen is considered as an upgrade

Achilles wrote:

Royale Signature Credit Card

(https://www.kotak.com/en/personal-banking/cards...)

vs

Zen Signature Credit Card

(https://www.kotak.com/en/personal-banking/cards...)

Received a sms asking to upgrade from Royale to Zen for lifetime free. Any suggestions on which one is more powerful ?

For me looking at the eligibility criteria Royal looks superior but wondering why Zen is considered as an upgrade

@dev007 ?

Achilles wrote:

@dev007 ?

Kotak vadiki mind mingindi bro, Royale ni devalue chesadu, ippude chusanu, priority pass peekesadu, only domestic lounge pettadu with dreamfolks.
T: Looks like kotak devalued Royale. It is ripped off from its priority pass and only have domestic lounge with dreamfolks. Zen seems to be an upgrade in this case, and after checking its features, zen is nothing but the old Royale signature card. All the features and reward points are directly moved from Royale to zen.

dev007 wrote:

Kotak vadiki mind mingindi bro, Royale ni devalue chesadu, ippude chusanu, priority pass peekesadu, only domestic lounge pettadu with dreamfolks.
T: Looks like kotak devalued Royale. It is ripped off from its priority pass and only have domestic lounge with dreamfolks. Zen seems to be an upgrade in this case, and after checking its features, zen is nothing but the old Royale signature card. All the features and reward points are directly moved from Royale to zen.

But for eligibility Royale has 24L required whereas Zen has only 4.5L required. Royale ante pedda babulu ki ichedhi emo anukunnna
I was upgraded from some Urbane -> Something -> Platinum -> Royal Signature in the last few years and LTF card idhi

I am like confused, should I bite the offer of upgrading from Royale to Zen
Card chudataniki Royale eh bagundhi for looks posh ga
Zen lo emanna adv unnaya Royale toh polisthe apart from priority pass

Which cards are currently having free Priority pass apart from Kotak, I have one from yes bank first preferred and looks like I also can avail it from Hdfc first regalia

Achilles wrote:

But for eligibility Royale has 24L required whereas Zen has only 4.5L required. Royale ante pedda babulu ki ichedhi emo anukunnna
I was upgraded from some Urbane -> Something -> Platinum -> Royal Signature in the last few years and LTF card idhi

I am like confused, should I bite the offer of upgrading from Royale to Zen
Card chudataniki Royale eh bagundhi for looks posh ga
Zen lo emanna adv unnaya Royale toh polisthe apart from priority pass

Which cards are currently having free Priority pass apart from Kotak, I have one from yes bank first preferred and looks like I also can avail it from Hdfc first regalia

Yes, other than priority pass (even this pp is for first year only) , there is nothing worthy for this zen cards. The rewards etc are anyways worthless.

Priority pass anni signature cards ki istadu mostly.

Hdfc regalia
Sbi aurum, etc
Yes premia and above
Indus legend and pinnacle

dev007 wrote:
Yes, other than priority pass (even this pp is for first year only) , there is nothing worthy for this zen cards. The rewards etc are anyways worthless. Priority pass anni signature cards ki istadu mostly. Hdfc regalia Sbi aurum, etc Yes premia and above Indus legend and pinnacle