Kotak Urbane Gold Credit Card
top of page
Kotak Urbane Gold Credit Card

Kotak Urbane Gold Credit Card

 Card Details
Joining Fee: 

Renewal Fee: 

Card Type:

Reward Type:

Welcome Benefits:
0

Rewards & Benefits

Welcome Benefits

 On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.

Milestone Benefits

annual fee reversal on spending inr 1,00,000 on the card.

Cashback Rate

cashback rate: 1. cashback rate: 1. cashback rate: 0.

Lounge Access

0

Movie Benefits

8

Dining Benefits

Other Benefits

reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.

Fees & Charges

Joining Fee

 On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.

Annual Fee

annual fee reversal on spending inr 1,00,000 on the card.

Cash Advance Fee

cashback rate: 1. cashback rate: 1. cashback rate: 0.

Interest rate

0

Late Payment Fee

8

Foreign Currency Transactions Fee

Other Fees

reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.

Cons
  • Extremely basic credit card. 

  • Limited value add featues. 

  • Low cashback rate. 

  • No welcome benefit.

  • Reward System: Users will get 3 reward points per Rs. 100 spend on all retail transactions. 1 RP = 0.25 Paisa. Cashback rate: 0.75%. 

  • Milestone Benefit: Upon reaching the spending limit of Rs. 1,00,000 customers can choose any 1 of the following milestone benefits: Free PVR Tickets – 4, or Bonus reward points – 10,000. 

Rewards & Benifits
Welcome Benefits
None.
Rewards System
  • Users will get 3 reward points per Rs. 100 spend on all retail transactions. 1 RP = 0.25 Paisa. Cashback rate: 0.75%.

International Forex Markup
3.50%
Welcome Benefits and Reward System
Special Features
Eligibility Criteria

Primary Card holder should be in the age bracket of 21 years to 65 years. Add-on Card holder should be 18 years and above
Location – Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
Income – Rs. 3 lac and above per annum
Should be a resident of India

Benefits
  • Reward points can be redeemed for a variety of items, including air tickets, movie tickets, cash, and more. 

  • Free PVR tickets: Spend Rs. 1,00,000 in a year and get 4 free PVR tickets or 10,000 reward points. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?


  • Go to the Kotak Mahindra Bank website and click on the "Credit Cards" tab. 

  • Scroll down and click on the "Urbane Gold Credit Card" link. 

  • Click on the "Apply Now" button. 

  • Enter your personal details, such as your name, address, date of birth, and contact information. 

  • Enter your employment details, such as your occupation, income, and employer's name and address. 

  • Enter your bank account details. 

  • Upload a scanned copy of your PAN card and a recent passport-sized photograph. 

  • Click on the "Submit" button. 

  • You will receive an instant decision on your application.

  • If your application is approved, you will be required to pay a processing fee of Rs. 100. 

  • Your credit card will be delivered to you within 7-10 working days.

Contact Details

1860 266 2666

Account Opening and Procedure

Recommended Credit Cards

Pros:-

Change the text to include your own content. Adjust the font, size or scale to customize the style.

Cons:-

  • Reward System: Users will get 3 reward points per Rs. 100 spend on all retail transactions. 1 RP = 0.25 Paisa. Cashback rate: 0.75%. 

  • Milestone Benefit: Upon reaching the spending limit of Rs. 1,00,000 customers can choose any 1 of the following milestone benefits: Free PVR Tickets – 4, or Bonus reward points – 10,000. 

  • Extremely basic credit card. 

  • Limited value add featues. 

  • Low cashback rate. 

  • No welcome benefit.

Application Procedure

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining Fees Nil 

  • Annual Fees Rs. 199 Condition for waiver of Annual Fees - First Year Minimum retail spends of Rs.15000 each year Condition for waiver of Annual Fees - Second Year Minimum retail spends of Rs.15000 each year 

  • Interest Charges on outstanding Balances 3.50% (Annualized 42%) 

  • ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof Rs. 300 

  • Late Payment Charges ("LPC") Rs. 100 for statement o/s less than or equal to Rs. 500. Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000. Rs. 700 for statement o/s greater than Rs. 10,000) 

  • Foreign Currency Mark Up 3.5% 

Fuel Surcharge

1%

Billing Cycle

1 Month

Fees & Charges
bottom of page