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This is precisely what is happening to me - see my latest thread on this. Kotak is nothing if not a "scam" bank. https://www.consumercomplaints.in/kotak-mahindra-bank-kotak-cancels-credit-cards...⇄ - in all my years of banking with so many banks, I've never encountered such callous, rude, uncaring - and downright pathetic service. They just ignore everything you send them until you open these long complaints with the authorities. Just a horrible bank in general, please avoid.
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27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai, Maharashtra, India - 400051