Have you ever had trouble increasing the credit limit on your Kotak Royale Signature Credit Card? I’ve been using mine for a while, making regular payments on time, and maintaining a good credit score, but every time I request a limit enhancement, Kotak just declines it without a clear explanation. I’ve even tried calling customer care, but they keep saying it’s based on “internal policies.” Have you faced the same issue? If so, did you find any way to get it increased?
Yes, I’ve faced the same issue with my Kotak Royale Signature Credit Card, and it’s honestly frustrating. I’ve been using the card regularly, maintaining a solid repayment history, and my credit score is well above 750. Despite all that, every time I request a credit limit increase, Kotak declines it, citing vague “internal policies.”
I even tried spacing out my requests—waiting six months before applying again—but got the same response. When I called customer support, they gave me the usual scripted reply about the bank “reviewing eligibility from time to time” and told me to keep using the card actively to improve my chances. The weirdest part? I know people with lower credit scores and income who’ve received automatic limit enhancements.
Eventually, I tried a different approach—applying through my relationship manager at Kotak, and that seemed to help slightly. Another trick that worked for some people (though not for me) was spending close to their existing credit limit and paying off the balance multiple times in a month to show higher usage. But honestly, if a bank is this rigid with limit increases, it makes me wonder if it’s worth sticking with the card long-term. Have you had any luck with getting your limit raised?