I want to share my 1 year experience with Kotak Credit Card.
Pros:
-Benefits on Card utilisation
-Easy EMI options
Cons:
Many extra hidden charges
High interest rate
Charges on cash withdrawal
Account suspension if you miss to pay the minimum amount. ( Once they hold all the money of bank account due to non payment)
Credit cards are not good option for middle class people, You are only paying your money to banks, sometimes by extra charges or hidden charges, taxes, interests etc.
Robert Kiyosaki has the same view about banks, Read the book "Rich Dad & Poor Dad"he explains how these banks are trying to cut your pockets.
Stop giving your energy and wealth to these banks. And I don't recommend you get a Kotak Credit Card because of my bad experience about extra charges.