Hotness what is the best credit card in kotak mahindra ...

Hot Deal what is the best credit card in kotak mahindra bank

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You clearly look confused l11
Deal Lieutenant
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thanks, in advance

18 Comments  |  
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Deal Cadet
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neone having kotak credit card ???
i havent come across neone

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Deal Cadet
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go for kotak urban credit card

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Deal Subedar
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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

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Shopping Friend
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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.

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Deal Cadet
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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

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

Family in hand %28good%29
Analyst
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So finally which 1-2 Kotak cards are best? And how to get them LTF? https://cdn1.desidime.com/assets/textile-editor/icon_confused.gif https://cdn1.desidime.com/assets/textile-editor/icon_confused.gif
Guidance from experts or those having some experience with kotak cards is sought… tia:)

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Deal Subedar
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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 ?

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Deal Subedar
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rpal wrote:

So finally which 1-2 Kotak cards are best? And how to get them LTF? wink wink
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)

Family in hand %28good%29
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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 https://cdn3.desidime.com/assets/textile-editor/icon_lol.gif

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

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Deal Newbie
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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!

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Deal Cadet
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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

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Deal Cadet
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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.

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3.5g 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.

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Deal Cadet
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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

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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?

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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.

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