Kotak mahindra bank gives less credit limit compared to other bank but it gives best service, i'm using credit card from last 1.5yrs and I can surely say i'm getting best service. most importantly their customer care no. is always pick our phone to solve our queries. overall great job done by kotak mahindra bank. also we cab get free 1+ 1 pvr tickets for every Saturday, its a best thing if your are a movie addict person. so if you are planning to take credit card from kotak mahindra bank then you can trust them.