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.
Earn 3X Reward Points
|Type of Charge||Amount|
|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|
|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. 300|
|Late Payment Charges||
|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|
|Furnishing a copy of Credit Information Report (CIBIL)||Rs. 50|
Other Kotak Bank Credit Cards
Redemption Option 1:
Redemption Option 2:
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.
Yes. There is an interest free period on retail transactions for up to 48 days.
A Mark up is charged 3.5% every time an international transaction is made. Both Cash and Retail transactions will result in Markup.
Incase your 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.
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 on the top right hand corner. You must enter your application reference number when you are checking the status.
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