How to increase credit limit on Kotak Mahindra credit card?

Mahesh Thangjam

Asked 29 May 2026

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?

2 Answers

Accepted

Gautham Verma·7 May 2026

I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.

Prabhavathi Bhat·22 Feb 2026

I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.

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