Kotak Mahindra Bank determines the credit limit for each credit cardholder based on several factors. Active users who pay their bills on time will get an automatic increase on their credit limit every year. The user’s spending pattern is scrutinized by the bank regularly to determine the increase in credit limit that can be offered to each customer. 

However if you wish to increase your credit limit then you can call the bank’s customer care center on 1860 266 2666 and request to enhance the credit limit. From the bank’s side there are certain criteria based on which the enhancement of credit limit will be decided. They are as follows:

Additional Reading: How To Increase The Credit Limit On My Card

Credit History: This is the most important thing while setting the credit limit on a card. The bank checks upon the credit score of the applicant and his credit history to evaluate the credibility. 

Income and debts: Debts can also have an impact on the credit limit. Your income may impact the credit limit but it is not the only deciding factor. 
Other Credit Limit: The Bank also takes into account the credit limit customers have on other credit cards.