I already have a Kotak credit card, but I’m looking for better rewards and a higher limit. Can I upgrade my existing Kotak credit card?
Ah, so you’re looking to upgrade your Kotak credit card? I actually went through this process myself a while back, and here’s what I learned along the way.
So, yes—you can upgrade your Kotak credit card, but it’s not always as simple as just requesting one. When I wanted to switch from my old card to something with better rewards, I assumed it would be instant. Turns out, Kotak has some criteria they check before giving you an upgrade.
What I Learned About the Upgrade Process
When I first called customer support, they asked me about:
My spending habits – If you’re actively using your current card and paying bills on time, they’re more likely to approve an upgrade.
My income – They asked for my latest salary slip since I had a pay raise.
My credit score – Anything above 750 is ideal. Mine was around 770, so I was good to go.
At first, they told me I wasn’t eligible because I hadn’t completed 6 months with my current card. But a friend of mine, who had been using his card longer, got an upgrade offer directly in his Kotak app—so clearly, they have some internal logic to these approvals.
How You Can Upgrade Your Card Faster
If you don’t want to wait for an auto-upgrade offer, here’s what you can do:
Check if you have a pre-approved upgrade – Log into Kotak NetBanking or the Kotak app. If eligible, you’ll see an upgrade offer under your credit card section.
Call customer care at 1860 266 2666 – I had to do this since I didn’t get an auto-offer. They checked my details and guided me on what I needed.
Visit a Kotak branch – If calling doesn’t work, you might have better luck speaking to someone in person.
Ask your Relationship Manager (if you have a premium account) – Some people have had success getting an upgrade faster this way.
Which Kotak Card Should You Upgrade To?
I upgraded to Kotak White, but here are some good options depending on how you spend:
For online shopping, dining, and travel → Kotak Royale Signature (great rewards, lounge access).
If you want premium benefits → Kotak White / White Reserve (higher limits, better perks).
If you travel a lot, especially on IndiGo → Kotak Indigo Ka-Ching 6E Rewards XL (flight vouchers, priority check-in).
What Happens After You Upgrade?
Your existing reward points transfer to the new card.
Your credit limit may increase (or sometimes just shift between cards).
Your card number changes, so update saved payment details.
It takes 5-7 working days to receive the new card if approved.
Final Thoughts
Upgrading was totally worth it for me—higher limits, better rewards, and airport lounge access (which I use often). If you don’t get approved immediately, use your card actively, pay bills on time, and check back in a few months.
If you’re thinking of upgrading, I’d recommend checking for pre-approved offers first—saves a lot of hassle!