Pls don’t go for Kotak credit cards especially, it’s an fraud bank, if the billing due date is missed.
And u pay whatever your outstanding the next day itself they r putting over limit fee, late payment fee, interest charge fee, service tax fee, for ex.my credit lmt was 21000, for that they put 1700 fine for 6 days, so pls don’t go for Kotak Bank cards, they r worst in credit cards