Subscribe to kar hi denge Bhai AAP ke liye kiyuki aap mahenat karte ho baki sab bank wale public ko chutiya banane ke hi Bethe hai kiski murga kate kab kate B's
Please reply fast bhai 🙏 Bhai muje kotak Wale bol rahe hai lifetime free card hai koi bhi Paisa nahi lagega . Jinka bank Mai account hai unke liye lifetime free hai aur jinka bank Mai account nahi hai unka charge lagega . Abhi Maine apply kar Diya lekin wahan pr joining charge 0 hai lekin annual charge 999 show ho Raha tha . Bank wala bol rha hai kuch charge nahi katega . Kya really charge nahi katega???
Galti se bhi kotak ka credit card mat lena, bhai bhugat ke betha hu time se bill dene ke baad bhi itne extra charge thop diye, Life time lagta hai iske bill hi bharta rahunga 20k limit pe sirf abhi bhi 34k or mujhe pay karne hai uske baad bhi Inka bill pura nahi hoga bas Kamao or inko dete raho, mat lena bhulke bhi
Bhai ye log cashback offer krte hai 5% or 10% shopping ke baad mena bhi kri thi shopping usma likha tha ki apko 5% cashback milega 90 days ke baad aaj 5 mahina ho chuka mena cashback ke liya baat bhen ke ln*d screenshot or proff mang raha tha mena bola m kahan se lau screenshot 😢😢 or cashback dene se mana kr diya , Fraud bank hai bhai aaj dusri shopping hui uska bhi cashback nahi aaya but ab mere pass screenshot hai ab bataunga kaha tha 7 din me cashback milega 15 din ho chuka hai abhi tak nahi aaya😡😡😡😡😡
Tum jayso ko credit card lena nahi chaihe, use nahi karna ata aur rote rahete ho Mere pas 3 card he kotak ka 2 saal ho gaya he, iske saath sath axis aur bank of baroda ka v he
@@fluffybunny510 ohh bhai mere pass bhi hai axis or kotak ke or jitni baat use krne ki hai to mujha credit card kesa use kre puri tarah se aata hai mena ye kaha ki ye kotak bank vala kabhi bhi cashback credit nahi krte or na hi reply krte hai yakin nahi hai to khud krke dekh lo mena 2 baar try krne ke baad hi bola hai or aaj bhi apne cashback ke liya intzar krta hun
Sir Aap ITN ache se vdo bana kse sakte hai.... samjha ne ka tarika exlent.... actually mujhe ek ph lena tha wo v Flipkart se so mne Kotak Bank lena chti thi ....but aapk na se ...ab smjh gei ki no means no..😅😅😅😅
महोदय जी मेरे पास भी यह कार्ड प्री approve आया है लेकिन मुझे one time Rs 1500 pay करने को कहा जा रहा है तब जा के मुझे यह कार्ड life time free हो जायेगा जबकि मै kotak urbane gold credit card use कर रहा हु तो मुझे बताये ये कार्ड लेना मेरे लिए उचित होगा या नही??
Mat lena kotak credit card Maine bhi order Kiya tha 1 saal pahle life time free ab 588 charges le rahaa hai 😢 ghatiya card h Maine loan bhi nahi liya abhi tak credit card se
Sir Maine Ek baar Ye card ke Liye Aply Kiya tha Mere ghar card Bhi Aa gaya. lekin Aaya Tabse maine usse ek baar bhi use nahin kiya Phir bhi mere ghar 2 baar Bill Aaya Aur dusra Aaj Aaya AISA KYO please reply Sir
Kotak cradit pincode service me hone ke baad rejected kiya aur unka kahana hai ye pincode service me nahi hai is liye aap ka kotak cradit card rejected kiya gaya 6 saal purana acount bhi kotak me hai acount me pucha to wo bole aap ka pincode service aira me hai cradit card team galat bata rahi hai Andheri aira pincode service aira me nahi aata kotak ki aur aap log ke bolane se Kiya 8 sall purana acount hai fir bhi abhi pahali baar kotak cradit card ke liye aap log ko video dekh kar try kiay fas gaya
Sir Mera ye doubt hai ki agar maie Flipkart pay koi bhi saman leta hu emi ke to iski process kya hai credit card say paisa kab कटेगा और मैं इसको मैं कब पैसे बैंक को वापस दूंगा और कितनी चार्ज लगेगी मैं पहली बार करने का सोच रहा हु इसलिए डर लग रहा है मेरे भईया का अकाउंट है कोटक में प्लीज समझा दीजिए😢😢😢
kotak bank credit card muje bi mila 1 wk age bt online transaction nehi ho raha hai mene kotak app me online transaction enable kiya hai fir bi nahi ho raga hai.bohat bar call kiya hai customer care pe, customer service bi bekar hai so i am not recommended for this card
Vaise to bro application se ho jana chaiye tha agar nhi ho raha ho aur coustmor care se bhi baat nahi ho pa rahi ho to nearby jo bhi Kotak Mahindra Bank Ho visit Kar Lijiye
Bhai Maine Kotak bank Ka pre approval League credit card liya, aur usko Active nh krna chahta bcz limit bht kam Diya h. Kiya bank card ka Kuch charge kregi?? Kindly reply.
@@ajjukait8156 *25K* ki limit Diya h. Aur mujhe boli thi k 1lac 20 thousand ki limit milegi. Already isse ziyada limit SBI aur HDFC bank k credit card ne mujhe Diya h 60K & 48K.
@@insaankiawaz7865 bhai mrko b mil jayegi kya 25k ki limit Mrko only 10k ki need h yr Am too tensed Mera is bank me account ni h But mere paas insta p add ayi thi ye kotak credit card vali Maine vha se online account open krlia But aage vo live vala procedure rehta hai
@@ajjukait8156 bhai Mera v 0 balance wala account h Kotak bank m...Apki transaction or civil score dekh kr wo log credit card issue krti h.. More information you can contact with kotak customer support, they can assist you 😊
thanks for sharing this video 🫠 Bhai kotak bank ka urbane card use karra hoon league me upgrade kare to credit or cibil score me kuch farak padta hain ?
Sir mjhe mere account mai pre-approved offer aaya hai is card ka par mai apply nahi kar sak raha hu mjhe bata raha hai ki aap k pass already hold kar k rakha hai
@@AmarGyan mere account par aaya hua hai par jab v mai apply kar raha hu mjhe bataya ja raha hai ki apnai pehle se kotak mahindra bank credit card hold. Mai rakha hai agr apki email ho toh mjhe share kare mai apko apni problem screenshot send kar shaku
Same problem mujhe bhi hai ..customer care me bhi khub complain dal Lia kuch hota nhi.....aapne fd ka card lekar close karwaya hoga isliye asa dikhatahai
अच्छा है तो बुरा भी परमात्मा है तो बुरी आत्मा भी सच है तो झूठ भी सफेद है तो काला भी है आसमान हैं तो जमीन है भगवान है तो सैतान भी लोगो ने अपना अपना धर्म चुन लिया धर्म ने अपने अपने लोग चुन लिए लोगो ने अपने अपने भगवान चुन लिए लोग ने अपने अपने भगवान को नाम देदिया फिर लोग अपने अपने भगवान के नाम पे पूजा करते है
Please reply me sir ji....agar kotak me acaunt open nahi hai to credit card ko kaise manage kare? kaise use kare? kaise enable disable kare? Please reply me sir please 🙏
Bhai main Kotak Bank ke website se card ke liye apply kar raha tha what main employee details will feel kar diya uske bad process nahin de raha hai kya Karen
Bhai apply kia pr mail aaya ki hold p h sms aya uspe confirm kro pr koi sms hi ni aaya h bs congratulations card apply ka aaya h or track krre to no data found aara pls help😞😞😞🙏🙏
Sir maine upgrade kiya kotak urban card se kotak league paltinum pe or 1500 rupay inhone annual fees bill main add kar liya,, sir ab kaise isse thik karu
Upgrade ka message mere pass 2 mahine se a raha hai charges ki vajah Se Maine upgrade nahin karvaya tha Ab To Koi option Nahin Hai use karo bus yahi hai
अगर आपने भाई से प्यार करते हो तो इस भाई के चैनल को भी subscribe कर देना अपना ही भाई समझ के 🙏🙏♥️♥️♥️
Subscribe to kar hi denge Bhai AAP ke liye kiyuki aap mahenat karte ho baki sab bank wale public ko chutiya banane ke hi Bethe hai kiski murga kate kab kate B's
Please reply fast bhai 🙏
Bhai muje kotak Wale bol rahe hai lifetime free card hai koi bhi Paisa nahi lagega . Jinka bank Mai account hai unke liye lifetime free hai aur jinka bank Mai account nahi hai unka charge lagega .
Abhi Maine apply kar Diya lekin wahan pr joining charge 0 hai lekin annual charge 999 show ho Raha tha .
Bank wala bol rha hai kuch charge nahi katega .
Kya really charge nahi katega???
@@SanjayKumar-gd5pf bhai jab aapne apply Kiya tha to primium card par to click nahi kar Diya tha apply process check now
Sir mere se 5000 fixed deposit bol rahe hai
Galti se bhi kotak ka credit card mat lena, bhai bhugat ke betha hu time se bill dene ke baad bhi itne extra charge thop diye, Life time lagta hai iske bill hi bharta rahunga 20k limit pe sirf abhi bhi 34k or mujhe pay karne hai uske baad bhi Inka bill pura nahi hoga bas Kamao or inko dete raho, mat lena bhulke bhi
Bhai ye log cashback offer krte hai 5% or 10% shopping ke baad mena bhi kri thi shopping usma likha tha ki apko 5% cashback milega 90 days ke baad aaj 5 mahina ho chuka mena cashback ke liya baat bhen ke ln*d screenshot or proff mang raha tha mena bola m kahan se lau screenshot 😢😢 or cashback dene se mana kr diya , Fraud bank hai bhai aaj dusri shopping hui uska bhi cashback nahi aaya but ab mere pass screenshot hai ab bataunga kaha tha 7 din me cashback milega 15 din ho chuka hai abhi tak nahi aaya😡😡😡😡😡
Ok bro u help me
Tum jayso ko credit card lena nahi chaihe, use nahi karna ata aur rote rahete ho
Mere pas 3 card he kotak ka 2 saal ho gaya he, iske saath sath axis aur bank of baroda ka v he
@@fluffybunny510 ohh bhai mere pass bhi hai axis or kotak ke or jitni baat use krne ki hai to mujha credit card kesa use kre puri tarah se aata hai mena ye kaha ki ye kotak bank vala kabhi bhi cashback credit nahi krte or na hi reply krte hai yakin nahi hai to khud krke dekh lo mena 2 baar try krne ke baad hi bola hai or aaj bhi apne cashback ke liya intzar krta hun
How much limit I get if I do a fd of 1lacs
Sir Aap ITN ache se vdo bana kse sakte hai.... samjha ne ka tarika exlent.... actually mujhe ek ph lena tha wo v Flipkart se so mne Kotak Bank lena chti thi ....but aapk na se ...ab smjh gei ki no means no..😅😅😅😅
Bhai my ne tumkaa video dekho apply karataa merku card approved hogayaa....🎉🎉 But I'm three years old customer in Kotak Mahindra...😅
Aap ne direct bola na ki nhi Lena chahiye wahi bahut achcha laga sun ke isiliye subscribe kar rha hu
Filpkart par se emi mobile lena h to hum ko lena chahiye ky
Amar sar mujhe bhi Mila hai Kotak Bank Elite credit Card jo ki lifetime free hai but Mera limit 49000 hi hai
महोदय जी मेरे पास भी यह कार्ड प्री approve आया है लेकिन मुझे one time Rs 1500 pay करने को कहा जा रहा है तब जा के मुझे यह कार्ड life time free हो जायेगा
जबकि मै kotak urbane gold credit card use कर रहा हु तो मुझे बताये ये कार्ड लेना मेरे लिए उचित होगा या नही??
नहीं मत लीजिये फिर आप
Mat lena kotak credit card Maine bhi order Kiya tha 1 saal pahle life time free ab 588 charges le rahaa hai 😢 ghatiya card h Maine loan bhi nahi liya abhi tak credit card se
Sir, is credit card ko Flipkart me use karenge to 10% discount milega, jesa ki avi Flipkart me offer chal Raha hai, please please reply
Bilkul
Sir Maine Ek baar Ye card ke Liye Aply Kiya tha Mere ghar card Bhi Aa gaya. lekin Aaya Tabse maine usse ek baar bhi use nahin kiya Phir bhi mere ghar 2 baar Bill Aaya Aur dusra Aaj Aaya AISA KYO please reply Sir
q bro yesa nhi hota ha
Monthly deposit 5k kya hai batai lena h ki ni ,,matlb 5000 deposit karna hoga
Good work 👍 always 🥰 BHai 🥰
Thank you
Good luck amar bhaiya
Kotak cradit pincode service me hone ke baad rejected kiya aur unka kahana hai ye pincode service me nahi hai is liye aap ka kotak cradit card rejected kiya gaya 6 saal purana acount bhi kotak me hai acount me pucha to wo bole aap ka pincode service aira me hai cradit card team galat bata rahi hai Andheri aira pincode service aira me nahi aata kotak ki aur aap log ke bolane se Kiya 8 sall purana acount hai fir bhi abhi pahali baar kotak cradit card ke liye aap log ko video dekh kar try kiay fas gaya
Bhai mere se bol rahe hai
Life time free
But 5000 fix deposit
Lifetime free ka matlab no joining fees no Annual fees aur jo aapane FD kya ho to aapke Apne paise Hain
Toh woh apne paise waaps nikaal skte h na ?
This is a basic level credit card.
Yes
@@AmarGyankab tak aata hai
Bahut Aachha sai samjh me aa gya
Bhai aapka account hai kotak mahindra bank me ya without account liya aapne
Account hai lekin without account bhi le sakte ho
Sir Mera ye doubt hai ki agar maie Flipkart pay koi bhi saman leta hu emi ke to iski process kya hai credit card say paisa kab कटेगा और मैं इसको मैं कब पैसे बैंक को वापस दूंगा और कितनी चार्ज लगेगी मैं पहली बार करने का सोच रहा हु इसलिए डर लग रहा है मेरे भईया का अकाउंट है कोटक में प्लीज समझा दीजिए😢😢😢
kotak bank credit card muje bi mila 1 wk age bt online transaction nehi ho raha hai mene kotak app me online transaction enable kiya hai fir bi nahi ho raga hai.bohat bar call kiya hai customer care pe,
customer service bi bekar hai
so i am not recommended for this card
Vaise to bro application se ho jana chaiye tha agar nhi ho raha ho aur coustmor care se bhi baat nahi ho pa rahi ho to nearby jo bhi Kotak Mahindra Bank Ho visit Kar Lijiye
Kotak provides one of the best customer support
Hey Mera bhi nhi hora h
Bhai app se ho jayega
Bhai Maine Kotak bank Ka pre approval League credit card liya, aur usko Active nh krna chahta bcz limit bht kam Diya h. Kiya bank card ka Kuch charge kregi?? Kindly reply.
Kitne ki limit aayi h bhai
@@ajjukait8156 *25K* ki limit Diya h. Aur mujhe boli thi k 1lac 20 thousand ki limit milegi. Already isse ziyada limit SBI aur HDFC bank k credit card ne mujhe Diya h 60K & 48K.
@@insaankiawaz7865 bhai mrko b mil jayegi kya 25k ki limit
Mrko only 10k ki need h yr
Am too tensed
Mera is bank me account ni h
But mere paas insta p add ayi thi ye kotak credit card vali
Maine vha se online account open krlia
But aage vo live vala procedure rehta hai
@@insaankiawaz7865 mrko ye bta do ki jse mne us procedure ko complete krdia to usi time mera credit card ban jayega kya
0 acc blnc me
@@ajjukait8156 bhai Mera v 0 balance wala account h Kotak bank m...Apki transaction or civil score dekh kr wo log credit card issue krti h.. More information you can contact with kotak customer support, they can assist you 😊
MUJHE DO CARD MILA HI RUPY OR AK DUSRA DONO ELUGA HI LIMIT 600000 x2
I like your detailed clear explanation and your view about this card.
Thank you
Kotak bank ka reward points 30 days validity rahta h . Haam to redeem nahi kar sakte h
Limit upgrade kitne month me aata hain 🙄
Agar tarike se use karte hain to 6 mahine mein
thanks for sharing this video 🫠
Bhai kotak bank ka urbane card use karra hoon league me upgrade kare to credit or cibil score me kuch farak padta hain ?
No
Sir mjhe mere account mai pre-approved offer aaya hai is card ka par mai apply nahi kar sak raha hu mjhe bata raha hai ki aap k pass already hold kar k rakha hai
Kahin aapane apply kiya ho aur complete Na Hua Ho pahle
@@AmarGyan mere account par aaya hua hai par jab v mai apply kar raha hu mjhe bataya ja raha hai ki apnai pehle se kotak mahindra bank credit card hold. Mai rakha hai agr apki email ho toh mjhe share kare mai apko apni problem screenshot send kar shaku
Bhai problem solve hua kya
Same problem mujhe bhi hai ..customer care me bhi khub complain dal Lia kuch hota nhi.....aapne fd ka card lekar close karwaya hoga isliye asa dikhatahai
अच्छा है तो बुरा भी परमात्मा है तो बुरी आत्मा भी सच है तो झूठ भी सफेद है तो काला भी है आसमान हैं तो जमीन है भगवान है तो सैतान भी लोगो ने अपना अपना धर्म चुन लिया धर्म ने अपने अपने लोग चुन लिए लोगो ने अपने अपने भगवान चुन लिए लोग ने अपने अपने भगवान को नाम देदिया फिर लोग अपने अपने भगवान के नाम पे पूजा करते है
Can we use this card for foreign currency
Please reply me sir ji....agar kotak me acaunt open nahi hai to credit card ko kaise manage kare? kaise use kare? kaise enable disable kare? Please reply me sir please 🙏
Bhai main Kotak Bank ke website se card ke liye apply kar raha tha what main employee details will feel kar diya uske bad process nahin de raha hai kya Karen
Sir credit card as debit card ki tarah virtual card milage kya😅
Yes
अच्छी जानकारी है
Good luck amar bhai 🙏❤️
Thank you bhai
1 cradit card cancil carko o bank ka.2. cradit card lay saktay Kay .muja.card.pasnd nai
Thank you for your information
Bhai mere paas fd wala card hai
Bhai usko 6mant ho gya usko band kara du to dusara mil jayegaa
Bhai agar sim mein recharge nhi hoga to app login nhi hoga kya?
Credit card lene ke liye charge lagta h kya
Sir kya cibil score check hogya kya credit card ke liye?
Nahi
20 age mein apply kr sakte hai kya
Bhai mujhe bhi pre approved offer aya tha or call bhi aayi thi lekin abhi tak card nhi mila decline ho gya kyu
Decline hone se 5-10 point cibil score Kam ho jata hai
Bhai mera Kotak Mahindra Bank me Loan chal rha hai to credit card mil jayega
Bank account hai aap ka Kotak me
@@AmarGyan haa ji hai
Bhai 70000₹ not 7xxx000 😂😂😂
Bhot acha vedio h dost 👍
How to take ADD ON card for this card?
Apply krne k time promo code mang rha h, kahan milega ye code.
Bhai Mera 299 rupaya kat Gaya katak Bank me debit card annual fee kaise refund kare
Bhaiya credit card se mobikwik me money add kar ne per koi charges lag ta hai
Rupay hota to acha hota mera pas sbi ka h already rupay platinum card 55000 limit
Bhai Maine fd waala credit card liya sahi hoga paise waps aa jaenge ?
Vii my 19 ka hu 😂
Mujhay fir vi mil gaya 😂😂😂
Kaise bro please bata do aur aapka cibil kitna tha please reply
Bhaiya maine debit card k liye request cancel ki thi pr phir bhi issue kr dia kotak bank n ab btao kse cancel hoga please help me 🙏
Bhai muze bhi physical debit card nahi chahiye ..charge rs 199 dikha raha hai..
Cancel hoga to muze bhi batao..
Dont buy this, worst bank service
Sir Kotak league in per day upi transaction amount is..
50din se jada time ho jaiga to kitna interest lagega Kodak firi
Bhai credit card apply karne ke leye jetni card ke limit hai utna pehle deposit karo bolra Bina deposit kare kaisa apply kar sakte hai
It's not free
Today I got annually bill
Mujhe mil gaya abhi abhi 12 may 2023
Limit kitna mila
Kya is card ko pane k liye fixed diposit karna hoga mujhe
Kotak 18 year se upar walo ko credit cards deta hai
Sir maine fd pe liya hai to koi charge lagega kya
Pl. Do not take any credit card
Bhai maine apply kiya he monthly kitna pay karna hoga is card ka
Lyf tym free to mil rha h pr fd pe mil rha h 5k ki fd pe to bhaiya lele ya nhi ?
2000 se badkar 5000 ho gya hey bhai fd ke against hi milega 5000 pay Krna hoga
CARD LEKAR AGAR USE NAHI KIYA USKE BATH BHI KIYA BILL AYEGA
Nice information sir
Bhai apko kaise itna credit limit mill gaya?
LTF offer main apply kia hain. Lekin 15 din ho gayaa abhi bhi koi status aya nahii
😢sir mujhe Mila h but unse charge katta hai kya kare sir😢
Bhai Axis bank ka 2nd credit card kitne din baad apply kar sakte hain?
6 months
Bhai lagta hai aapke zukham lag rahi hai. Get well soon bhai
Haa bhai ji
Resume journey link expire.
ये लिखा आ रहा है बार बार।।
Itr ya salary slip check ki थी क्या।🙋🙋
Mujhe yeh card mila hai 5lakh limit mila hai
Bhaiya main aavi aavi kotak mahindra bank ka account open Kiya lekin video kyc compelete Nehi Kiya mujhe credit card milega ya Nehi
No..
Only you can receive FD Kotak 811 #DreamDifferent Credit Card.
Bhai apply kia pr mail aaya ki hold p h sms aya uspe confirm kro pr koi sms hi ni aaya h bs congratulations card apply ka aaya h or track krre to no data found aara pls help😞😞😞🙏🙏
Isse wallet me rpye add kr skte h ya nahi
Bilkul kr sakte Hain
Maira card approve ho gya 3 din mai card maire hath mai hoga
Mera bhi aaj he message aya
Iska bro conferm krdo koi charge toh nhi lg raha hai n apko please
Kitne din lage deliver hone mai apply krne ke baad
Bhai agar Hamara koi Cibil Score nahi hai toh ye card milega
Fix deposit ka paisa nikal sakte ki nhi card lene ke bad
Bina FD wala card hai ye
Mera card lifetime charges free hain ya nehi, kaisa samjhu??
Sir ask one question agar ma 1000 ka shopping krta ho to mujhe month ka kitna bill pay krna hoga
2000 😂😂😂
Nice information
70k limit apki monthly income kitni show ki
Sbi cc ke liye biometric hota hai kya document ka pic upload nhi hoga
Agar apke pass pehle kisi bhi bank ka card nai hai to biomatric hoga agar other koi Card hai to nai hota phir cibil accha ho to mil jata hai
Sir maine upgrade kiya kotak urban card se kotak league paltinum pe or 1500 rupay inhone annual fees bill main add kar liya,, sir ab kaise isse thik karu
Upgrade ka message mere pass 2 mahine se a raha hai charges ki vajah Se Maine upgrade nahin karvaya tha Ab To Koi option Nahin Hai use karo bus yahi hai
Sir is card ko cash Kara sakte hai kya
Bhai mereko pre approved ka msg Aya Tha pr jab page pe gya sab details Dal de toh bol raha hai , your resume link has expired kya kru?
Ha ye bhi problem mujhe aa raha hai ...kaise thik Kiya tumne btao
Sir es cardi card ki limit 5000 s upr hoski h kya
My credit card limit 125000
Ye card kon se courier se aata h
Sir kyc ke liye bank se koi aata hai ya online kyc hojata hai
Wo aap per nirbhar karta hai dost
Mahesh chavan idhar kya kar raha hai 😅😂😂
Fees wala debit card kaise band kare or free wala kaise chalu kare
Aaj register karein toh kab Tak milta hai..
Bro cash nikalne ke liye koi cost lagta h kya process h please reply me?
Galti se bhi mat nikal Lena 3% cash withdrawal fee or 3% per month interest jab tak cash ka payment nhi hota
@@kanhaiyakumar6401 thanks bro 🙏
Airport lounge access milta hai kya?
Nahi biz or Indigo ,zen,mozo me hota hai
Maine bhi apply Kiya , status me dikha rha hai , your application is under evaluation
Wait karo bhai mil jayega
Apply karne ke kitne din baad call aata h?
@@AjitKumar-vx5sw mujhe apply krne ke liye call aaya tha, pre-approved offer tha
@@aniketverma3863 bank ki taraf se ya bankbazaar Or paisebazaar se?
@@AjitKumar-vx5sw bank ke taraf se