While applying for a credit card do check the card annual charges and rate of interest which one has to pay in case of non payment and any penalty etc which is levied. Remember if you are a meticulous person you can use the card to your advantage as you will pay your charges on time, however if you are one of those who tends to forget the bills and payments, than one will suffer as they charge heftily for non payment and same is given in their fine print which is not read by any individual. Thus choose the Kotak Mahindra bank credit card offer or as a matter of fact any credit card offer carefully after thorough deliberation.
.