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Kotak Bank offering credit card limit enhancement!
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Created by : Rosh_0007
Credit Limit is the maximum amount fixed by the credit card issuer on a credit card that a credit cardholder can use to the extent. This limit varies from card to card, entry-level credit cards have a lower limit whereas super-premium credit cards have a higher credit limit. The Kotak Mahindra Bank has also fixed different credit limits on different credit cards. The credit limit is fixed on the purchasing power of the customer by checking his income proof. Income requirement plays an important role in deciding the credit limit. Keep reading to learn more about the Kotak Mahindra Bank Credit Card limit and how to increase it.
The customer is required to furnish certain documents to the bank while submitting the request for increasing the credit limit. Bank will assess your request based on your submitted documents to see whether you can handle a larger limit or not. The following documents must be submitted either in soft copy through the mail or in hard copy by visiting the branch:
- Salary Slips of last two months
- Bank Statement
- Income Tax Returns
The credit cardholder can get the credit limit of his/her credit card increased in two ways:
The Kotak bank customers can always visit the bank branch to get help with the credit card limit. You are required to take the above-mentioned documents along with you while visiting the branch as it will help the bank to check whether you are eligible for a higher limit or not.
The customers can also call on the 24×7 customer service number 1860-266-2666 and get connected with the agent to request the increase of their credit card limit. The agent will tell you the complete procedure and the documents required for the eligibility requirement.
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I got an LE too.. but went up by 30% ... 1.27 to 1.65
Not for me, 5 months old card. Even im seeing pre-approved Card upgrade offer in loans and offers section but it's not working.
There is a server issue going on right now. Showing same for me and many more I guess.
Nothing for me. Last LE was offered in July 2022
What is the best/easy way to get kotak card (Ltf)
Considering I had 811 account but now closed due to non-kyc.
Best way is to keep the 811 account and keep refreshing credit score in app every month. Usually they offer the card within 3 months. Same happened with me. I maintained no balance.
I placed a request for my card cancelation then they converted my card to ltf and revsered my joining fee also and also took the limit increase through the c2c statement. card is 3month old.
Which variant?
And how did you place card closure request.
Steps please.
Thanks in advance
Vu kg+
Received LE on my 4 month old card
It’s not instant in Kotak right ? I accepted and got the mail that it will be done in 4 working days. Still not increased. Same for you ?
For Kotak 811, what kind of cards are generally offered (and LTF), say I keep 30k FD for 9 months in it and refresh score every month?
Any other caveats of having 811 account? Is it easy to close after getting LTF card? Do they issue CC to pincodes where they don't have a branch (but have in the disctrict or nearby pincodes)?
Having the branch doesn't matter. Whether your pin code is serviceable(for CC) or not is important, otherwise you will be offered FD based card only. I have seen a lot of League Platinum and Some Kotak White cards as LTF.
Did u guys used kotak cc regularly to to get LE ?
Their rewards aren't great either
Almost everyone using them for just bank offers discounts.
I have Zen card which was upgraded last year which is LTE and has limit in 6 digits.
No upgrade for me.
I must say not a bad deal
I have recived limit increase offer but availing limit increase at kotak there is charges of 100+GST confirmed by kotak customer service 😂
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Check yours!