https://www.desidime.com/comments/permalink/9561115
How to get this card @abhishek012
Kotak launch Virtual only Lifetime free UPI RuPay Credit Card
- 16390
- 69
-
- 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
68 Comments
|
36 Dimers
- Sort By
https://www.desidime.com/comments/permalink/9561141
.30 is better then .25(-99+gst) of icici rupay..lol
https://www.desidime.com/comments/permalink/9561155
Where is link to apply?
https://www.desidime.com/comments/permalink/9561179
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).
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).
View 5
more replies
https://www.desidime.com/comments/permalink/9561238
Is it better than ICICI Coral Rupay LTF?
https://www.desidime.com/comments/permalink/9561294
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.
You can use ICICI Coral RuPay CC LTF Card there.
View 11
more replies
https://www.desidime.com/comments/permalink/9561335
Naming ceremony wasn't done by Kotak due to cash crunch.
.
https://www.desidime.com/comments/permalink/9561406
That's why they were not giving RPs for league UPI trnx also not counting for milestone 🤔
https://www.desidime.com/comments/permalink/9561507
I think Reward Points will not be accrued for transaction categories such as: Rent, Fuel, Railway, Wallet Loading, EMI, Education & Balance Transfer.
View 4
more replies
https://www.desidime.com/comments/permalink/9561448
Kotak app not working anyone facing the same?
https://www.desidime.com/comments/permalink/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/comments/permalink/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
View 5
more replies
https://www.desidime.com/comments/permalink/9562532
How many Kotak cards can one hold.
Already have 2. Can I still apply for this one and get it approved ? @abhishek012
https://www.desidime.com/comments/permalink/9562645
How did you get the 2 nd credit card from kotak?
View 9
more replies
https://www.desidime.com/comments/permalink/9562541
what's.process to apply kotak rupay credit card??
https://www.desidime.com/comments/permalink/9562937
Yes, both HDFC virtual RuPay CC working on Amazon/Flipkart discount offers.
Note - both are same card but one is business variant and another one is non-business variant.
Note - both are same card but one is business variant and another one is non-business variant.
View 1
more reply
https://www.desidime.com/comments/permalink/9564396
10 percent discount in sales or not
https://www.desidime.com/comments/permalink/9564763
Will it affect our Cibil score provide we already hold kotak credit card? I applied for Kotak Leage last month but got Visa card and now planning to apply for PNB rupay.
If it won't affect our Cibil then probably I'll go with this one.
https://www.desidime.com/comments/permalink/9564808
Nothing in my account.... i got upgrade to zen signature as LTF last month might be the reason
https://www.desidime.com/comments/permalink/9663542
Anyone got above invite who is holding kotak pvr gold card it seems only core card upgrades done by kotak not for co branded .
Please guide will they offer or need to approach kotak cc last time I had conversation over call & Twitter but they didn't agreed or told to we can't process this virtual card request from our side it system based.
Click here to reply
Reply
1000 reward points =100rs
3 rp for 100
So basically 0.3% cashback,
kotak giving tough competition to Bajaj and Cred.
Is it better than ICICI Coral Rupay LTF?
You can use ICICI Coral RuPay CC LTF Card there.
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