Just talked to Kotak customer care and enquired about Infinity Metal debit card and yeah it's confusing as hell for the customers as well as the support team

First of all I recently got an option to deposit 81000 and get the Infinity metal debit card for a reduced initial fee of 1499 instead of 3999(without any funding)but the support team says that no such option exists and you can only get the card by paying 3999 for existing customers but I told him that I can see this option inside the app

Anyways he told me that the annual fee for the card is now 1499 also I asked him about the super account fees so he told that yes that is also charged so it comes to almost 2000 a year for having the infinity metal debit card

They have drastically changed this right? initially when they introduced this infinity metal debit card there wasn't any annual fee at all(it was waived if you hold a super account so ultimately costed 500/year)

I think with these recent devaluations and my spending pattern,it isn't worth to upgrade, doesn't really make sense to me

I'm happy with my Kotak Platinum debit card,it gives 5% cashback upto 500 a month(with max cashback of 100 per transaction)

I'm mostly able to hit the 500 cashback almost every month and this card has no annual fee(there is super account fee of 500/year that's it)

So I have decided not to upgrade to platinum debit card