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Kotak Urbane Gold Credit Card

Home Credit Card Kotak Mahindra Bank Kotak Urbane Gold Credit Card
Updated: 11-12-2025 07:39:58 AM

Kotak Urbane Gold Credit Card is an entry-level card that comes at a low annual fee. This card offers a basic rewards rate on every spend.  and comes with a very easily achievable fee waiver condition. Kotak credit cardholders can increase their value-back through this card by meeting the spending condition of just Rs. 1 lakh and avail fee waiver and milestone benefits. Those who are new to credit cards and have low annual spends can get this credit card to earn rewards and get movie benefits. Read on to know the detailed features, benefits, charges and eligibility criteria of Kotak Urbane Gold Credit Card.

Kotak Urbane Gold Credit Card: Key Highlights
Joining Fee Nil
Annual Fee Rs. 199
Best-suited for Entry-level card with rewards benefits
Key Feature Annual fee waived and 10,000 rewards or 4 PVR tickets on Rs. 1 lakh annual spends

Note: Kotak Mahindra Bank is not taking new credit card applications. Content on this page is for information purpose only. 

Kotak Urbane Gold Credit Card: Features & Benefits
Other Cards Similar to Kotak Urbane Gold Credit Card
Kotak Urbane Gold Credit Card: Fees & Charges
Kotak Urbane Gold Credit Card: Eligibility Criteria
Kotak Urbane Gold Credit Card: Features & Benefits

Reward Benefits

Earning Rate: 3 reward points on every retail spend of Rs. 100

Rewards Redemption:

  • Minimum points required for redemption = 1,000 reward points
  • 1,000 Reward Points = Rs. 100 on redemption
  • Accrued reward points can be redeemed either using the ‘Pay with Reward Points’ option or against mobile recharges, airmiles or travel bookings, shopping, movies, brand e-vouchers, and many more.

Milestone Benefits

Kotak credit cardholders can avail 10,000 bonus reward points or 4 free PVR tickets on reaching Rs. 1 lakh annual spends. 

Here, each free PVR ticket will only cover ticket price of up to Rs. 400, if the final booking price exceeds, you will have to pay the difference amount and the convenience fee charged. You can redeem these PVR tickets only on PVR Cinemas website and only if you fall under PVR location city.

Annual fee Waiver

You can become eligible for annual fee waiver on spending Rs. 15,000 or more on retail in a year.

Other Cards Similar to Kotak Urbane Gold Credit Card
Credit Card Joining/Annual Fee Key Benefits
ICICI Platinum Chip Credit Card Nil Up to 2 reward points per Rs. 100 spent
Standard Chartered Platinum Rewards Credit Card Rs. 250 5X reward points on dining & fuel spends
American Express SmartEarn™ Credit Card Rs. 495 10X Membership Rewards® Points on Myntra, BookMyShow, etc. and 5X on Amazon
Axis Bank ACE Credit Card Rs. 499 5% cashback on utility payments & recharges via Google Pay; 4% cashback on Swiggy, Zomato & Ola
HDFC MoneyBack+ Credit Card Rs. 500 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
Kotak Urbane Gold Credit Card: Fees & Charges
Fee Type  Amount Details
Joining Fee Nil
Annual Fee Rs. 199
Finance Charges 3.75% p.m. (45% p.a.)
Late Payment Charges For Outstanding Balance of –
Up to Rs. 100: Nil
More than Rs. 100 to Rs. 500: Rs. 100
More than Rs. 500 to Rs. 1,000: Rs. 500
More than Rs. 1,000 to Rs. 5,000: Rs. 600
More than Rs. 5,000 to Rs. 10,000: Rs. 750
More than Rs. 10,000 to Rs. 25,000: Rs. 900
More than Rs. 25,000 to Rs. 50,000: Rs. 1,100
More than Rs. 50,000: Rs. 1,300

Click here for the detailed Kotak Bank credit card fees and charges and MITC.

Kotak Urbane Gold Credit Card: Eligibility Criteria
Criteria Details
Age 21 to 65 years
Minimum Income Required Rs. 3 lakh per annum
Documents Required Click here for the list of documents required for Kotak Mahindra Bank Credit Card application.
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