How long does Kotak Mahindra credit card delivery take after approval?
Aaradhya Soni
Asked 26 Apr 2026
My Kotak Mahindra credit card was approved yesterday. How many days does it usually take to receive the physical card at my address?
2 Answers
Short answer: no, EMI on credit card is not cheaper than a personal loan for large amounts (>₹50,000). The processing fee (~₹199-₹599) plus the interest (~14-16% reducing) usually adds up to slightly more than a personal loan rate of 11-13%. But for small-ticket EMI (₹10-20K), it is fine.
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
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