Hi,
Kotak offers me an smart emi card with yearly charges amount, and after taking yearly charges still I am unable to use Smart Emi card, and even I tried to connect customer care , all calls are chargeable, every sms cost is 3/- and even after sending 7 sms in a day no response received from them so I will suggest to you please don't make any relationship with Kotak , they are just taking money from sms and calls, please aware to everyone not to relationship with Kotak.
Their customer care person will not help you after listen your problem they only disconnected your call only . I am so frustrated from their services.and please share this to your friends and family to not to relationship with kotak
