
Just applied kiwi credit card and got approved for pnb kiwi card. During the kyc, the bank person said that the card is ltf. But on website it's showing annual fee.
I didn't order physical card but got a message showing you will get card in 5-7 days. Does that mean I get physical card?
Does the annual fee gets charged in first month?
Also can't login into the pnb genie app. It's showing please contact customer after successfully sending otp from my number.