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Kotak Urbane Gold Credit Card

Product Details
Credit Card Name : 

Kotak Urbane Gold Credit Card

Bank Name :

Kotak Mahindra Bank

Type :

Lifestyle Credit Card

Interest Rate : 

Interest Rate: 3.5% per month, 42% per year

Eligibility :

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

Kotak Urbane Gold Credit Card
Pros
  • Reward System: 3x Reward Points per Rs. 100 you 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. 

Cons
  • Extremely basic credit card. 

  • Limited value add featues. 

  • Low cashback rate. 

  • No welcome benefit.

Pros & Cons
Welcome Benefits
None.
Rewards System
  • Earn 3 reward points against every Rs. 100/- of retail spends 

  • 1 RP = 0.25 Paisa

  • Effective Cashback Rate: 0.75%

International Forex Markup
3.50%
Welcome Benefits and Reward System
Special Features
None
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
  • Rewards: Earn 3 reward points for every Rs. 100 spent on all retail transactions. 

  • 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
Application Procedure

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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
NA
Billing Cycle

1 Month

Fees & Charges
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