Kotak Urbane Gold Credit Card

Gaurav

The Kotak Urbane Gold Credit Card is a beginner-friendly credit card from Kotak Mahindra Bank, perfect for people who shop often or are new to credit cards. It comes with a low annual fee of Rs. 199 and gives great value in return. You earn 3 reward points for every Rs. 100 you spend on shopping and other retail purchases. These points can be used for things like booking flights, buying movie tickets, or doing mobile recharges. The card also offers protection of up to Rs. 50,000 if your card is lost or stolen.

If you spend Rs. 1 lakh or more in a year, you get extra rewards—either 4 free PVR movie tickets or 10,000 bonus reward points. This spending also helps you skip paying the annual fee for the next year. The Kotak Urbane Gold Credit Card is a smart choice for people who don’t spend a lot but still want to earn rewards and enjoy some extra benefits without paying high fees.

Credit Card Detail
Kotak Urbane Gold Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 199.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
Apply Now
Rewards Rate
Get 3 times the reward points for every Rs. 100 you spend on shopping.
Reward Redemption
You need at least 1,000 reward points to redeem them. Every 1,000 points is equal to Rs. 100. You can use your points to pay for purchases, mobile recharges, flight or travel bookings, movie tickets, shopping, brand vouchers, and more.
Movie & Dining
N/A
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
The card gives you safety cover of up to Rs. 50,000 if it gets lost or stolen.
Interest Rates
3.5% per month (42% per year)
Spend-Based Waiver
Spend Rs. 15,000 in a year and you won’t have to pay the annual fee next year.
Rewards Redemption Fee
Nil
Cash Advance Charges
A fee of Rs. 500 or 2.5% of the amount you withdraw—whichever is more—will be charged.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
N/A
Card Details
  • Earn 3 reward points for every Rs. 100 spent on retail purchases.
  • Redeem points once you have a minimum of 1000 points, where 1000 points = Rs. 100.
  • Use reward points for flight bookings, movie tickets, mobile recharges, and branded products.
  • Spend Rs. 1,00,000 in a year to choose between 4 free PVR movie tickets or 10,000 bonus reward points.
  • PVR tickets are valid for any show, any day, and are transferable.
  • Get a Star Pass Code to book PVR tickets online at pvrcinemas.com.
  • Claim your milestone rewards within 3 months after the offer period ends.
  • Get an add-on card with the same benefits, set your own spending limit, and track each card’s spending separately.
  • Enjoy insurance coverage of up to Rs. 50,000 if your card is lost.
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Frequently Asked Questions

What rewards do I get with the Kotak Urbane Gold Credit Card?

You earn 3 reward points for every Rs. 100 you spend. These points can be used to get air tickets, movie tickets, cash, mobile recharge, and more at kotakcards.com/rewardredemption.

What is the annual fee?

It’s just Rs. 199 + taxes per year, and you can avoid it by spending enough.

Can I skip the annual fee?

Yes, if you spend Rs. 15,000 in a year, the annual fee of Rs. 199 will be waived off.

Is there an interest-free period?

Yes, you get up to 48 days of interest-free time on your retail spends.

What happens if I spend more than my credit limit?

If you go over your limit, you’ll be charged an over-limit fee of Rs. 500 in that billing cycle.

Is there any insurance for lost or stolen cards?

Yes, there’s insurance of up to Rs. 50,000 in case your card is lost or stolen.

Are there any charges for international transactions?

Yes, a 3.50% markup fee is charged when you use your card abroad (for both shopping and cash withdrawals).

How can I check my credit card application status?

Go to kotakcards.com, click ‘Application Status’ at the top, and enter your reference number. Or, you can call the bank’s helpline.

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