Ah, I see you’re thinking about applying for multiple Kotak credit cards! I actually went through this process myself, and I can share what I learned.
So, here’s the deal: Yes, you can apply for more than one Kotak credit card, but it’s not always as straightforward as it seems. When I applied for my second card, I was hoping for a bigger credit limit, but Kotak split my total limit across both cards. For example, my first card had a ₹5L limit, and when I got a second one, they gave me a total limit of ₹7L, so each card got ₹3.5L. It wasn’t what I expected, but that’s how they typically do it.
Another thing is income and credit score play a huge role. I was earning around ₹1.5L/month at the time, and my credit score was 770, which helped. But I still had to wait a couple of months after my first card before I could apply for the second one. I tried applying too soon and was told I needed to wait 3-6 months before they’d consider giving me another card.
I also got lucky because I had a pre-approved offer, which made the process much smoother. It saved me time and effort, and approval was pretty quick. But I’ve heard from others that if you don’t have a pre-approved offer, you might need to go in-person to the branch or talk to a Relationship Manager to push your application through faster.
One thing I wish I’d known earlier is that multiple cards might be harder to manage with the same credit limit, especially if you’re a heavy spender. Keeping track of the usage on each card, making sure I pay the bills on time, and avoiding any missed payments took a bit of effort.
If you’re planning to go ahead with it, definitely check for pre-approved offers, or talk to Kotak’s customer care at 1860 266 2666. If you’ve been a good customer, it’s possible they’ll make things easier for you.
Good luck with your application, and feel free to ask if you need more details!