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How to increase credit limit on Kotak Mahindra credit card?

Kangana Nayak

Asked 20 Feb 2026

27

I have been using my Kotak Mahindra credit card for 18 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?

3 Answers

Accepted
17
Keerthy Bariha·3 Jun 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.

22
Allu Verma·22 Apr 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.

13
Manjunath Choksi·21 May 2026

I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.

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