How long does Kotak Mahindra credit card delivery take after approval?
Madhavan Sundaram
Asked 16 Mar 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
Credit score impact: each hard inquiry (which happens on card application) drops your score by 5-15 points temporarily. Applying for 3 cards in 2 months is fine IF you get all 3 approved. If 2 get rejected, you've taken a hit with nothing to show for it. Apply smart, not fast.
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
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