I was traveling recently and found myself wondering if there’s a daily limit for international transactions on my Kotak credit card. I wanted to know if there was a cap on how much I could spend each day while I was abroad, especially with larger purchases like hotel stays or shopping. Does Kotak impose any daily spending limit on foreign transactions? And if so, how do I increase it or get around it if I need more flexibility?
Generally, your total credit limit applies across all transactions, whether domestic or international. So, if you have a ₹1L limit, that’s what you can use worldwide, not just within India. However, it’s always good to check with Kotak customer support or your relationship manager beforehand, especially if you’re planning to make big purchases while traveling.
If you ever find the limit restrictive, you can request a temporary increase on your limit before your trip—just make sure to do this in advance, as Kotak may require some processing time.
Also, for smoother transactions abroad, ensure your card is activated for international use before you travel. You can easily do this via the Kotak app or by calling customer support.