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Kotak Mahindra Bank

Kotak Urbane Gold Credit Card

Kotak Urbane Gold Credit Card

  • Joining Fee :

    Nil

  • Renewal Fee :

    Rs. 199 + GST

  • Reward Type :

    Reward Points

Welcome Benefits

NA

Best suited for

Shopping

Product Details

  • 3x Reward Points per Rs. 100 spent

  • Either 4 PVR Tickets or 10,000 Reward Points as Milestone benefit

  • Insurance coverage for a lost card

  • Get add-on card and enjoy added benefits

Rewards & Benefits

  • Movie & Dining

  • NA

  • Rewards Rate

  • 3x Reward Points per Rs. 100 you spend on all retail transactions

  • Reward Redemption

  • Redeem the earned points for various categories like Movie Tickets, Mobile Recharge, etc. Rewards Points can used to pay your shopping bills through PayByPoints Program

  • Travel

  • NA

  • Golf

  • NA

  • Domestic Lounge Access

  • NA

  • International Lounge Access

  • NA

  • Insurance Benefits

  • Insurance cover for a lost or stolen card

  • Zero Liability Protection

  • Zero Liability Protection for a lost or stolen credit card upon reporting to the bank's customer care.

Fees & Charges

  • Spend Based Waiver

  • Get the annual fee waived on spending Rs. 15,000 in the previous year.

  • Rewards Redemption Fee

  • Nil

  • Rewards Redemption Fee

  • Nil

  • Foreign Currency Markup

  • 3.5% on all foreign transactions

  • Interest Rates

  • 3.5% per month (or 42% annually)

  • Fuel Surcharge

  • NA

  • Cash Advance Charges

  • Rs. 300 per Rs. 10,000 withdrawn

  • Add-on Card Fee

  • Nil

Live UPI withdrawals

₹20 is the minimum earnings required for withdrawal

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1
Login

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2
Shop through us

Search for the retailer you want to shop on, go to retailer and shop normally as you would otherwise do.

3
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We track your transaction on the retailer website and credit freeupicash to your account.

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₹20
Min. withdrawal amount ( UPI )