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Kotak Urbane Gold Credit Card

Kotak Mahindra bank offers their customers a variety of kotak credit cards ranging everything from lifestyle cards to corporate cards. Get a Kotak Urbane Gold Card for more rewards than you ever thought possible. For every Rs.100 spent, get 3x reward points and redeem them against the purchases made with your Urbane Gold Credit Card.

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Features and Benefits of Kotak Urbane Gold Credit Card

Earn 3X Reward Points

  1. Earn a 3X reward every time you spend Rs.100 on retail transactions.
  2. When you earn 1000 reward points, its redeemable worth will be Rs.100.
  3. You must have a minimum of 1000 reward points for redemption.

Add-on Card

  1. The Add-on Card offered with the primary card will offer the same benefits as the primary card.
  2. You will also get the option of setting a spending limit on the Add-on Card.
  3. Keep a track of where your money is spent with the feature that helps track spends on each of the Add-on Card(s) separately.

Milestone Feature

  1. The milestone feature lets you win 4 free PVR tickets or 10,000 reward points when you spend Rs.1 lakh in a year.

Fees and Charges of Kotak Urbane Gold Credit Card

The fees and charges related to Kotak Urbane Gold credit card is listed in the table below:

Type of Charge

Amount

Joining Fees

Nil

Annual Fees

Rs. 199

Condition for waiver of Annual Fees - First Year

Minimum retail spends of Rs.15,000 each year

Condition for waiver of Annual Fees - Second Year

Minimum retail spends of Rs.15,000 each year

Addon card Fees

Nil

Interest Charges on outstanding Balances

3.50% (Annualized 42%)

Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)

MAD can be 5% or 10% of TAD as decided by the Bank

ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof

Rs.500 or 2.50% of the advance amount (whichever is higher)

Late Payment Charges

  1. For less than or equal to Rs.500: Rs.100
  1. In between Rs.500.01 to Rs.1000: Rs.500
  1. Rs.1,001 to Rs.5000: Rs.500
  1. Rs.5,001 to Rs.10,000: Rs.600
  1. Rs.10,0001 to Rs.25,000: Rs.800
  1. Rs.25,001 to Rs.50,000: Rs.1000
  1. For greater than Rs.50,000: Rs.1,200

Over Limit Charge

Rs. 500

Cheque Bounce Charges

Rs. 500

Foreign Currency Mark Up

3.5%

Fee for Cash payment at Bank

Rs. 100

Reissue/ Replacement Card (per issunace)

Rs. 100

Note: GST (Goods and Services Tax) or applicable taxes will be levied on all interest, fees, and other charges of the card each year as per the rates approved in Finance Act.

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Other Kotak Bank Credit Cards
  1. Kotak Bank Royale Signature Credit Card
  2. Kotak Bank PVR Platinum Credit Card
  3. Myntra Kotak Credit Card
  4. Kotak Bank PVR Gold Credit Card
  5. Kotak Bank League Platinum Credit Card
  6. Kotak Bank NRI Royale Signature Credit Card
  7. Kotak 811 #DreamDifferent Credit Card
  8. Kotak Bank Corporate Wealth Signature Credit Card
  9. Kotak Bank Corporate Gold Credit Card
  10. Kotak Bank Corporate Platinum Credit Card

How to Redeem Reward Points of Kotak Urbane Gold Credit Card

  1. Redeem your reward points in the following ways: cash, airline tickets, air miles, movie tickets, mobile recharge and branded merchandise. Please note that for redemption against Airline tickets / Merchandise / Mobile recharge, Reward Points have to be converted to EasyPoints. 5 Reward Point = 1 Easy Points.
  2. Follow these steps:
    1. Visit https://www.kotak.com/en/home.html website
    2. Click on Net Banking
    3. Login using your Password, CRN & Dynamic Access Code
    4. Choose Credit Cards
    5. Choose between the options of Reward Redemption.

You can choose from the below redemption options:

Redemption Option 1:

  1. Get PVR tickets on any day, any show.
  2. Get the Star Pass Code issued to be redeemed for PVR Movie Tickets through online booking at www.pvrcinemas.com.
  3. Claim your PVR tickets within 3 months of the end of the program period.

Note: PVR tickets are transferable.

Redemption Option 2:

  1. Get your Reward points credited in the next billing cycle.
  2. Choose how you want to redeem your Reward points. Options include Air tickets, Movie Tickets, Air miles, Mobile Recharge / Branded Merchandise.
  3. You can claim your reward points within 3 months after the program period gets over
  4. Note: Only customers who live in PVR location cities can avail PVR tickets.

Note:

  1. Only customers who live in PVR location cities can avail themselves of PVR tickets.
  1. PVR tickets cannot be redeemed at the Box office.
  1. In case the ticket price is more than Rs.400, the difference amount should be paid by the customer along with the convenience or booking fee.

Eligibility for Kotak Mahindra Urbane Gold Credit Card

The eligibility criteria to obtain Kotak Urbane Gold credit card is listed below:

  1. You should be aged 21 and above but not more than 65 years to be a primary cardholder. The Add-on cardholder should be aged 18 and above.
  2. Customers must be located at any of the following cities to be eligible for the card: Delhi (including Noida and Gurgaon), Chennai, Kolkata, Ahmedabad, Bangalore, Hyderabad, Mumbai, Navi Mumbai and Pune.
  3. Must have a minimum annual income of Rs.3 lakh and above.
  4. Must be an Indian resident.
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FAQs on Kotak Bank Urbane Gold Credit Card

  • Are there any specific benefits associated with the Kotak Urbane Gold Card?

    The Kotak Urbane Gold Credit Card rewards you with more points than most other cards every time you swipe. Choose how you want to redeem your points across any shopping you do. Cardholders can avail 3 reward points for every Rs.100 spent .Reward points are redeemable online at www.kotakcards.com/rewardredemption. Use them for Air tickets, Air miles, Movie tickets, Cash and more.

  • How do I check the status of Kotak Urbane Credit Card after I have applied for it?

    You could either call the Banking helpline numbers or check Kotak credit card status online . Simply log onto www.kotakcards.com and click on the application status button in the top right-hand corner. You must enter your application reference number when you are checking the status.

  • Do I enjoy any interest free periods on retail?

    Yes, there is an interest-free on retail transactions for up to 48 days.

  • When will Mark Up be charged?

    A Markup is charged 3.50% every time an international transaction is made. Both Cash and Retail transactions will result in Markup.

  • When will I be charged for over limit?

    In caseyour transactions cross 100% of your credit limit, a flat over limit fee of Rs.500 will be charged in each billing cycle that you are over limit.

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Credit Card Eligibility
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