The advantages for holding credit card or debit card of Kotak Bank can be innumerous and same are as appended below in the given screenshot
However take a card if you have a necessity and avoid falling in a debt trap as non timely payment of dues on a credit card can be a shocker in form of interest charges. If you can juggle the money between the cards than you can generate a significant amount of money just by using the free credit period but it requires a lot of financial discipline.