How long does Kotak Mahindra credit card delivery take after approval?
Ananya Pothen
Asked 25 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
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
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