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Kotak UPI RuPay Credit Card
Rewards
Shopping
3% reward points on shopping spends
Rewards
Uncapped rewards on every Rs. 100 spent
Lifetime Free
No joining or annual card fee charged
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About Kotak UPI RuPay Credit Card
Kotak UPI RuPay Credit Card is a lifetime free RuPay credit card which you can use to carry out your UPI or virtual transactions. With this Kotak credit card, you can earn 3% rewards on every card spend – domestic and international. The accrued reward points can be redeemed against a wide range of products and services available in the Kotak Rewards catalogue. This card is best-suited for the customers who usually opt for UPI mode of payment for its convenience and quick processing, but would like to get a RuPay card to save on such day-to-day transactions. While some credit card providers may charge a nominal fee for their RuPay credit card services, Kotak Mahindra Bank offers it with no additional costs, making it a free addition to your wallet.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit Kotak Mahindra Bank’s website.
Rewards Program
Kotak UPI RuPay Virtual Credit Card comes with the following rewards structure for its users:
Rewards Earning
- Uncapped 3 reward points on every Rs. 100 spent, including UPI, online and international transactions made virtually
Redemption Value
- 1 Reward Point = Rs. 0.07
Redemption Options
- Accrued reward points1 are redeemable against the Kotak Rewards catalogue across varied categories, like travel, shopping, e-vouchers, recharges, movies and many more.
Exclusions
- There is no reward point accrual on spends made on fuel, rent, wallet loading, education, govt., insurance, online gaming, railway, EMIs and balance transfers.
Also Read: Best Rewards Credit Cards | Best Cashback Credit Cards
Kotak UPI RuPay Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Nil | ||||||||||||||||
| Finance Charges | 3.75% p.m. (45.00% p.a.) | ||||||||||||||||
| Late Payments Fees |
|
Things to Know Before you apply
Get this card if:
UPI is your preferred mode of payment for most of your everyday spends
You are looking for a credit card on RuPay network to earn rewards on UPI transactions
You do not wish to pay any annual fee and want a lifetime free card
Paisabazaar Review
What do we like about this card?
Kotak Mahindra UPI RuPay Credit Card is a virtual card that comes without any annual fee and lets the card users avoid the hassle of carrying a separate physical card. It rewards them on every UPI transaction as well as on other virtual spends made both - domestically and internationally. The earned reward points can be redeemed against the Kotak Rewards catalogue for a variety of products and vouchers.
Pros
- Lifetime free virtual credit card
- Rewards across online spending categories, including UPI transactions and international spends
Cons
- Low reward redemption value
- No other lifestyle benefit or bonus besides the basic reward rate on card spends
Frequently Asked Questions
Everything you need to know about this credit card
Only the existing Kotak credit card users who are at least 18 years old or above in age are eligible to apply for Kotak UPI RuPay Credit Card.
Kotak UPI RuPay Credit Card is a lifetime-free virtual credit card that allows the Kotak credit cardholders to make online spends, including UPI transactions.
Since only the existing Kotak credit cardholders are eligible for this card, they can either contact their relationship manager, if any, visit their associated Kotak bank branch or call customer care to enquire about this card.
If you change your mobile number, you must update it for your Kotak Bank UPI RuPay Credit Card as well. Once it is updated, you are required to re-register your card on the respective UPI apps.
There is no restriction on the number of transactions made using Kotak RuPay credit cards.
No, the linked Kotak RuPay Credit Card can only be used to make payment to merchant (P2M). No Peer to Peer (P2P) or Peer to Peer Merchant (P2PM) transactions are allowed.
Generally, a UPI amount limit of Rs. 1 lakh per day (or Rs. 2 lakh per day for certain special cases) is applicable for every card.
No, Kotak RuPay Credit Card does not come with any such transaction charges.
Yes, you can earn 3 reward points for every Rs. 100 spent on UPI transactions.
Kotak UPI RuPay Credit Card does not come with any add-on card facility.
Reward points are credited on every Kotak UPI RuPay card spend worth Rs. 100 or more.
No, Kotak UPI RuPay Credit Card does not offer any complimentary airport lounge access.
Yes, you can use your Kotak UPI RuPay Credit Card to make virtual international transactions. Such transactions can be enabled by logging into Kotak Mobile Banking app and going to the ‘Card Control’ tab under ‘Card Overview’ section.
Footnotes
- A minimum of 1,000 reward points are required for redemption
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
