Verified 6 Aug
Raghunathan Saran
Asked 19 Feb 2026
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
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I have been using my Kotak Mahindra credit card for 6 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
