Credit Cards are an old story now. For every third person on the street own a credit card. The most basic credit cards most of us know about are Silver, Gold, Platinum and Titanium cards. These categories of cards have been with us since the time credit cards were first launched in India. But that was 20 years ago, in the 1990s. 20 years down the line, scenario in the credit card industry has changed a lot.

Credit cards as an industry have categorized. Just like a tree, credit cards too have spread their branches. The categories have increased with cards like Women's, Corporates, VISA signature, World Master, Business and Students credit cards. These credit cards are designed to suit the different requirements of different class of people.e.g. The women's credit card. This card is specifically designed to meet the needs of a woman ? parlor, hospitalization, medical expenses, grocery and mobile billing, fuel expenditure. This card also includes personalized services like movie tickets purchase, home appliances repair, school fees payment, home delivery of flowers, cakes and so on. It also includes payment for emergency services like doctor and calling cabs etc.

These kinds of cards, which are specifically designed to meet the requirements of a specific class of credit card customers, are more specific in their deliverance of tasks and customer service. These are also good from the credit card holder's point of view as these meet the demands and requirements of the holder.

Recently, Kotak has launched it range of new credit cards. These cards are ? Trump Gold Card, Premium League Card, Fortune Gold Card and Royale Credit Card. Each of these are designed meeting the suitability of different kind or class of people. E.g. Trump card is made specifically for the shoppers; fortune gold for the businessman; league platinum for the higher class of businessman and traveler and Royale for the exclusive ones who walk on the red carpet all the time.

Already termed as the product of the year, these cards offer exclusive benefits which at present no other cards are offering. These cards are definitely, cut above a class, meant for the cream and deliver the cream?