How to increase Kotak Credit Card Limit?

Kotak Mahindra Bank provides a wide range of Credit cards to customers. If you are holding a Kotak Bank credit card, then this guide is very important to you. If your Credit Limit is low and want to increase it, then it is very simple to do. If you use your card regularly and pay bills on time, the bank will offer a limit increase offer. There is no need to go to the bank to increase the credit limit; you can do it on your phone/computer. In this guide, step-by-step instructions will show how to increase Kotak Credit Card Limit.

Things Required for Kotak Credit Card Limit Increase

1. You must have access to Kotak 811 App or Internet Banking
2. Registered mobile number.
3. Registered Email ID.

How to increase Kotak Credit Card Limit

We will see different methods to increase credit limit.

Method1 – How to increase Kotak Credit Card Limit using Kotak 811 App

1. Open Kotak 811 App on your smartphone.
2. Login with Six-Digit MPIN or Fingerprint Scanner.
3. From the bottom menu, tap on ‘Credit Card‘ Option.
4. Again enter a 6-digit MPIN if asked.
5. Now, tap on ‘Credit Card Service requests‘ option.
6. Tap on ‘Card Limit Increase‘ option.
7. Now, you can see the new Offered Credit Limit, which is your new credit limit.
8. Now press the ‘Increase Limit‘ button.
9. There are some terms and conditions in the new popup window. You can read it and press the ‘I Accept‘ option.
10. You can see the Limit Increased message on the new page with the new limit displayed on the screen.

Please note that Offered limit will be shown only if you are eligible for credit limit increase offer. If you don’t see this option, please read other methods to know how to increase Kotak credit card limit.

Also Read – How to change Kotak credit card PIN online?

Method 2 – Increase Kotak Credit card Limit through Keya ChatBot.

If you are not getting the limit increase option in the credit card section, you can enquire about it using a chatbot.

1. Login to your Kotak 811 account.
2. Enter 6-digit MPIN.
3. At the top, tap on the “Ask Keya” button.
4. Enter the “Credit Card” services option.
5. Now Credit card Limit Increase.
6. You can see if you are eligible for the limit increase offer.

Method 3 – Increase Credit Limit through online banking

1. Once you are eligible for the credit limit increase, you will get an Email communication from Kotak Bank on your registered email address.
2. Click on the “Increase limit Now” button in the email received.
3. Follow the on-screen instructions on the Kotak webpage.
4. Authenticate your details using OTP received on the registered mobile number.
5. Finally, your credit limit will be increased, and the new limit will be effective immediately.

Also Read –Kotak Credit Card statement Download online

Method 4 – Increase Credit Limit by sending an Email to Kotak Customer Care.

If you are not getting a limit increase offer for many days, you may directly contact Kotak credit card customer care by sending an email. You can also send them your income proof to fast-forward the process.

1. The email form is available on Kotak webpage here – https://www.kotak.com/en/customer-service/contact-us/email-us/kotak-credit-card/other.html.
2. Select as an existing customer.
3. Enter your name, mobile number, and email id.
4. Type your query and request them to increase your credit limit. Also, mention that you have attached income proof (optional)
5. Also, enter your CRN. (optional). Know your CRN from this guide.
6. Optionally upload your income documents such as salary slips, ITRs, etc.

Within a few working days, you will get a bank reply stating that you are getting a limit increase offer.

Summary –

This guide explains how to increase Kotak Bank credit card using different methods. If you have any doubts regarding Kotak credit card, let us know in the comment section below.