Kotak Bank UPI RuPay Credit Card

Gaurav

The Kotak Bank UPI RuPay Credit Card lets you make fast and safe payments using popular UPI apps like Google Pay, PhonePe, BHIM, Slice, and Paytm. You can link this credit card to your UPI app and pay directly from your phone, just like you do with a bank account. What makes this card special is that only RuPay credit cards can be linked to UPI – cards from other networks don’t support this. Also, this is a lifetime free virtual card, which means you don’t have to pay any joining or yearly fees.

This card also gives you 3% rewards on every spend, whether you’re shopping in India or abroad. You can use the reward points to buy items or services from the Kotak Rewards catalogue. Since it’s on the RuPay network, you also get access to exclusive RuPay offers and can use it at most shops across India. If you often use UPI for payments but want the benefits of a credit card, this card is a smart and cost-free option.

Credit Card Detail
Kotak Bank UPI RuPay Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
Apply Now
Rewards Rate
Earn unlimited 3 reward points for every ₹100 you spend — whether it's through UPI, online shopping, or international payments made with your virtual card.
Reward Redemption
You can redeem 1,000 reward points for ₹100. These points can be used for a variety of options in the Kotak Rewards catalogue, including travel, shopping, e-vouchers, mobile recharges, movies, and more.
Movie & Dining
N/A
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.5% per month (42% per year)
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Cash Advance Charges
N/A
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
N/A
Card Details
  • Use this virtual credit card to make easy and secure UPI payments.
  • Works with all UPI apps like Google Pay, PhonePe, BHIM, Paytm, and more.
  • Earn 3 reward points for every ₹100 you spend, including on UPI, online, and international transactions.
  • No limit on how many reward points you can earn in a billing cycle.
  • Redeem reward points for cashback or over 10,000 products at kotakrewards.com.
  • You need at least 1,000 points to redeem; 1,000 points = ₹100.
  • This is a lifetime free card – no joining or annual charges.
  • Add and manage the card through the Kotak Mobile Banking App.
  • Check your card details, settings, and transaction history easily in the app.
  • Enjoy a digital, wallet-free experience for everyday payments.
Pros/Cons
Pros
- A lifetime free virtual credit card that gives you rewards on all kinds of online spending, including UPI payments and international purchases.
Cons
- The rewards you earn have a low redemption value, and the card does not offer any extra lifestyle benefits or bonuses beyond the standard reward rate on your spending.
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Frequently Asked Questions

Can I add my Kotak UPI RuPay Credit Card to UPI apps like Google Pay or PhonePe?

Yes, you can easily link your card by selecting it as a payment method in your UPI app and following the app’s instructions to authenticate.

Can I link Mastercard or Visa cards to UPI apps?

No, currently only RuPay credit cards can be linked to UPI apps in India.

Are there any charges for linking my Kotak UPI RuPay Credit Card to UPI apps?

No, linking your card to UPI apps like Google Pay or Paytm is free of charge.

What rewards do I earn with the Kotak UPI RuPay Credit Card?

You earn 3 reward points for every Rs. 100 spent, with no limit on how many points you can earn each month.

Can I use the Kotak UPI RuPay Credit Card like a regular credit card?

Yes, it works like any other credit card for purchases and earns reward points.

Who is eligible to apply for this card?

Applicants must be between 18 and 65 years old and meet the bank’s income requirements.

Are there any fees for the Kotak UPI RuPay Credit Card?

No, the card has no joining or annual fees and is free for a lifetime.

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