None.
.png)
Kotak Urbane Gold Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
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.
Cashback Rate
Users will get 3 reward points per Rs. 100 spend on all retail transactions.
1 RP = 0.25 Paisa.
General Cashback Rate: 0.75%.
Movie Benefits
Dining Benefits
Other Benefits
Lounge Access
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
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.
Cashback Rate
Users will get 3 reward points per Rs. 100 spend on all retail transactions.
1 RP = 0.25 Paisa.
General Cashback Rate: 0.75%.
Movie Benefits
Dining Benefits
Other Benefits
Lounge Access
Fees & Charges of
Kotak Urbane Gold Credit Card
Joining Fee
Nil
Annual Fee
s 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
Cash Advance Fee
Rs. 300 per Rs. 10,000 withdrawn.�
Interest rate
3.50% (Annualized 42%)�
Late Payment Fee
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 Transactions Fee
Foreign Currency Mark Up 3.5%
Other Fees
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
Joining Fee
Nil
Annual Fee
s 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
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.50% (Annualized 42%)�
Late Payment Fee
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 Transactions Fee
Foreign Currency Mark Up 3.5%
Other Fees
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
Fee and Charges of
Kotak Urbane Gold Credit Card
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
Speical Feature, Eligibility and Benefits of
Kotak Urbane Gold Credit Card
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 of
Kotak Urbane Gold Credit Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Application Procedure
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