Kotak
Kotak Urbane Gold Credit Card
This card is no longer offered by bank
This card is no longer sourceable
This card is no longer offered by bank
Top Benefits
Get 4 Free PVR Movie Tickets Every Year
Spend ₹1,00,000 in a year and take either 4 PVR tickets or 10,000 Reward Points
Earn 3 Reward Points on Utility Bill Payments
capped at ₹35,000 in each statement cycle
Best For
Shopping
Utility Bills
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹235 ( ₹199 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 3 Reward Points on every ₹100 of retail spends, earned in multiples of ₹100
- 4 free PVR movie tickets or 10,000 Reward Points on annual spends of ₹1,00,000
- interest-free period of up to 51 days
Milestone Benefits
10000 reward points(Worth ~ ₹8,500)
Spend ₹1,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.10
Redemption Options
- Mobile Recharge
- Shopping
- E-Vouchers
- Flight & Hotel Bookings
- Brands Merchandies
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Rent
Insurance
Wallet Load
Government Spends
Education Fees
Online Skill-Based Gaming
For Spends Waiver
Fuel
Rent
Insurance
Wallet Load
Government Spends
Education Fees
Online Skill-Based Gaming
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹500 |
Cash Payment Fees A fee of ₹100 is charged for making credit card bill payments in cash at the branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹900 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Get 4 Free PVR Movie Tickets Every Year
Spend ₹1,00,000 in a year and take either 4 PVR tickets or 10,000 Reward Points
Earn 3 Reward Points on Utility Bill Payments
capped at ₹35,000 in each statement cycle
The smartest way to find your great credit card
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