Kotak Urbane Gold Credit Card

औसत रेटिंग है 3 5 में से

MyRupaya Ratings

उत्पाद विवरण

क्रेडिट कार्ड का नाम

Bank Name :

Kotak Mahindra Bank

प्रकार

Lifestyle Credit Card

ब्याज दर

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

पात्रता

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

पेशेवरों

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.

दोष

Extremely basic credit card.
Limited value add featues.
Low cashback rate.
No welcome benefit.

पक्ष विपक्ष

Welcome Benefits

None.

पुरस्कार प्रणाली

Users will get 3 reward points per Rs. 100 spend on all retail transactions. 1 RP = 0.25 Paisa. Cashback rate: 0.75%.

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

3.50%

स्वागत लाभ और पुरस्कार प्रणाली

विशेष लक्षण

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

फ़ायदे

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.

विशेष विशेषता, पात्रता और लाभ

क्रेडिट कार्ड के लिए आवेदन कैसे करें?

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.

सम्पर्क करने का विवरण

1860 266 2666

खाता खोलने की प्रक्रिया और प्रक्रिया

विशेष विशेषता, पात्रता और लाभ

Pros:-

Change the text to include your own content. Adjust the font, size or scale to customize the style.

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

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

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

उत्पाद समीक्षा

फीस एवं प्रभार

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%