I recently applied for a Kotak Bank credit card, and now I’m just waiting for it to arrive. I’ve heard different things—some say it comes within a week, while others mention it could take much longer. I just want to know when I can expect it and if there’s a way to track my application. Also, what if it takes too long? Should I follow up with the bank?
Ah, the waiting game! We’ve all been there—refreshing the tracking page, hoping the card magically appears in the mail. Here’s how the process usually works:
Step 1: Application Processing (2-3 working days)
Once you submit your application (online or offline), the bank checks if all your documents are in order. If anything’s missing, they’ll reach out, which might cause delays.
Step 2: Verification & Approval (5-7 working days)
This is where Kotak checks your credit score, income proof, and eligibility. If everything looks good, they approve your card. But if they need more details, expect a slight delay.
Step 3: Card Dispatch & Delivery (3-5 working days)
Once approved, your card is printed, packed, and sent via courier. If you live in a metro city, it might reach you faster; for smaller towns, it could take a few extra days.
Total Time?
Usually, it takes 7-15 days from application to delivery. If you’re lucky (and everything goes smoothly), you might get it within a week!
What Can Cause Delays?
- Missing or incorrect documents
- A lower CIBIL score that needs extra verification
- Address verification taking longer in some areas
- Public holidays slowing things down
How Can You Track Your Application?
Online: Check the status here – Kotak Credit Card Tracker
Call Customer Care: Dial 1860 266 2666 and ask for an update.
Email Support: Drop a message at [email protected] with your application reference number.
What If It’s Taking Too Long?
If it’s been more than 15 days and you haven’t heard anything, don’t just wait around—give Kotak a call! Sometimes, applications get stuck due to minor issues, and a quick follow-up can speed things up.
Hopefully, it arrives soon, and you’ll be swiping away in no time.