Is a Kotak Mahindra credit card good for salaried employees?
Amit Pandey
Asked 18 Mar 2026
Reviews of Kotak Mahindra credit cards mostly highlight rewards but rarely mention downsides. Is it really worth it for senior citizens?
2 Answers
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
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