I have a account in kotak bank as a salary a/c,
So I applied for credit card it usually takes 2 month for approval and dispatched but service is in lower budget is good.
Cash withdrawl and out of limit chargers are little bit expensive but quite good.
I recently purchased moto g5 plus on flipkart by KMB credit card emi and it provides quite satisfied service.
I tell you all who have low in salary go for it but if you want high expensive, that not good for you.
Thank you.