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Kotak Urbane Gold Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
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
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
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
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Recommended Credit Cards
Pros:-
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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
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
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