By Divya Shokeen
Updated On January 11, 2024

Credit Limit is the maximum amount fixed by the credit card issuer on a credit card that a credit cardholder can use to the extent. This limit varies from card to card, entry-level credit cards have a lower limit whereas super-premium credit cards have a higher credit limit. The Kotak Mahindra Bank has also fixed different credit limits on different credit cards. The credit limit is fixed on the purchasing power of the customer by checking his income proof. Income requirement plays an important role in deciding the credit limit. Keep reading to learn more about the Kotak Mahindra Bank Credit Card limit and how to increase it.
Kotak Mahindra Credit card Limit

Documents Required for requesting an increase of credit limit

The customer is required to furnish certain documents to the bank while submitting the request for increasing the credit limit. Bank will assess your request based on your submitted documents to see whether you can handle a larger limit or not. The following documents must be submitted either in soft copy through the mail or in hard copy by visiting the branch:

  • Salary Slips of last two months
  • Bank Statement
  • Income Tax Returns

How to increase the credit limit of the Kotak Mahindra Bank Credit Card?

The credit cardholder can get the credit limit of his/her credit card increased in two ways:

By visiting the branch:

The Kotak bank customers can always visit the bank branch to get help with the credit card limit. You are required to take the above-mentioned documents along with you while visiting the branch as it will help the bank to check whether you are eligible for a higher limit or not.

By Phone Banking:

The customers can also call on the 24×7 customer service number 1860-266-2666 and get connected with the agent to request the increase of their credit card limit. The agent will tell you the complete procedure and the documents required for the eligibility requirement.


Yes, you can request the bank to decrease the credit limit on your credit card.
Yes, both primary credit cardholders and add-on members get the same credit limit.
This is just one aspect, if you have higher purchasing power, and the income statement stands good then you are eligible for the credit limit enhancement.
Yes, you can use your net banking account to check the credit limit anytime and from anywhere.