Friends its my humble request that please dont ever try to apply for kotak credit card , it is a worst bank with uneducated and criminal minded employees . Before 6 month they forced me for credit card at that time I was not aware of this kind of fraud and cheating bank like kotak, last month I missed my credit card billl as my father admitted in hospital due to open heart surgery. My billed amout is 12000 Rupees but they add extra charges of 10000 Rupees , also their collection team people came to hospital where my father was admitted and created a scene and threatened me infront of hospital staff and other peoples , they also use very abusing language to my wife. Basically thease kind of bank dont have any policy for customer. They have hired some uneducated and criminal background people as there collection team. Please please please .its my request to all of you not to make any relationship with kotak mahindra bank because they dont know how to behave with their customers.