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    Kotak Bank Urbane Gold Credit Card

    Kotak Mahindra bank offers their customers a variety of 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.

    Benefits of Kotak Urbane Gold Card

    1. Earn 3X Reward Points
      1. Earn 3X reward every time you spend Rs.100 on retail transactions.
      2. When you earn 1000 reward points, its redeemable worth will be Rs.75.
      3. You must have a minimum of 1000 reward points for redemption.

    Kotak Urbane Gold Card Features

    1. Urbane Shield.

      Enjoy a coverage of Rs.50,000 for fraudulent usage of your card up to a maximum period of 7 days if you report it in advance when your card is stolen.

      If your card is stolen, call the Customer Service Team at 1860 266 2666 immediately, and get your card blocked / deactivated for preventing its misuse. You must also contact the Insurance Company for registering a claim.

    2. Interest rate at 3.5% per month.
    3. Add-on Card.

      The Add-on Card offered with the primary card will offer the same benefits as the primary card.

      You will also get the option of setting a spend limit on the Add-on Card.

      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.

    4. Milestone Feature.

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

    Eligibility for Kotak Urbane Gold Card

    • 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.
    • 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.
    • Must have a minimum annual income of Rs.3 lakh and above.
    • Must be an Indian resident.

    Fees and Charges of Kotak Urbane Gold Card

    • Annual fee is typically Rs.199. To get waiver of annual fees in the first year, cardholder should swipe at least once within the three months and must also spend a minimum of Rs.15000 in the first year on retail. Second year onwards, one should have spent minimum Rs.15000 to get the annual fees waived off. In case annual spend threshold is not reached, feature changes to 2 reward points for every Rs.100 spent.
    • Late payment charges range from Rs.100 to 700, depending on the amount due. Over limit charge and cheques bounce payment are both Rs.500 each. Card replacement charge is Rs.100.
    • Interest is charged at 3.5%.
    • The following is free of charge exclusively for Kotak cards; Balance enquiry at other ATMs, Charge slip retrieval charge, Machine surcharge at ATMs and Charge for duplicate statement.

    How to redeem reward points?

    • 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.
    • Follow these steps:
      • Visit www.kotak.com
      • Click on Net Banking
      • Login using your Password, CRN & Dynamic Access Code
      • Choose Credit Cards
      • Choose between the options of Reward Redemption.

    You can choose from the below redemption options:

    Redemption Option 1:

    • Get PVR tickets on any day, any show. Tickets are also transferrable. So go ahead, share the fun.
    • Get the Star Pass Code issued to be redeemed for PVR Movie Tickets through online booking at www.pvrcinemas.com.
    • Claim your PVR tickets within 3 months of the end of the program period.

    Redemption Option 2:

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

    FAQs On Kotak Bank Urbane Gold Credit Card

    1. 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.

    2. Do I enjoy any interest free period on retail?

      Yes. There is an interest free period on retail transactions for up to 48 days.

    3. When will Mark Up be charged?

      A Mark up is charged 3.5% every time an international transaction is made. Both Cash and Retail transactions will result in Markup.

    4. When will I be charged for over limit?

      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.

    5. 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 online for the status. 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.

    Other Top Credit Cards By Kotak Bank

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  • Kotak Bank Urbane Gold Credit Card Reviews

    • Kotak Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I received a credit card from Kotak Mahindra Bank, I received without any documentation, but only issue is that I did not receive much limit on the card which is only Rs. 15,000. Hence I don't find much benefit using this credit card. Therefore I can rate it as an average credit card from Kotak Mahindra Bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 21, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the Kotak Platinum Delight credit card for the past 3 years, their services are fair. There are no commendable offers and rewards associated with the card and it is just like any other ordinary credit card available on the market.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 20, 2018
    • Kotak Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with KOTAK BANK 3 years back. Their credit limit was 1,32,000 which is satisfactory . The customer service and responses was really excellent so I would like to recommend to others. My overall experience was really amazing
      Was this review helpful? 0
      , aurangabad
      Reviewed on May 20, 2018
    • Kotak Credit Card
      "BEST"
      0.5 5.0/5 "Blown Away!"
      I am using my REGALIA credit card from KOTAK BANK i have been using this card from past 3 years from past 3 years it is a good card to use. I have not yet contacted the customer care so far because i had not faced any of the issues. Actually easy to use my card because i am holding the savings account from the same bank.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 20, 2018
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Kotak Visa credit card for almost an year. The limit is very good. I Want to close this card . This is useful as just any other credit card , there are no commendable offers and discounts with the card . I never had any issues with the card and their services.
      Was this review helpful? 0
      , pune
      Reviewed on May 20, 2018
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Kotak Mahindra Bank credit card for the past 2 Years. Their service is good. I make timely payments. I never had any issues with their services and I use the credit card for all daily life purposes. Overall the card is a useful one.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 20, 2018
    • Kotak Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My credit card was taken with KOTAK BANK 3 months back. I hold urban card and the credit limit was 15,000 which is not satisfactory . The customer service and responses was really good. I have 24/.7 helpline number and there is no idea about the benefits .My overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 17, 2018
    • Kotak Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      My credit card was taken with KOTAK BANK years back. The credit limit was 60000 which is satisfactory and i hold PVR gold card . I am satisfied with the customer service and responses . I am getting movie tickets and reward points .My overall experience was good
      Was this review helpful? 0
      , bangalore
      Reviewed on May 17, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 2.0/5 "Expected more"
      I've been using the Kotak Urban Credit card for the past 6 Months. I am not much happy about the features. There are no cash-back offers yet. The credit limit is also very low and they don't offer any reward points for spending. There is no commendable benefits with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2018
    • Kotak Credit Card
      "Average card to use"
      0.5 5.0/5 "Blown Away!"
      The Kotak platinum credit card is good to use and I got this very recently around a month ago, The customer support service and the response is good from the Kotak mahindra bank. The credit limit value is very less with this card and I am not satisfied with it. They told they can still increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 16, 2018
    • Kotak Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra credit card from last 2 years, there is no annual fee charged at the time of getting this credit card. I am happy with the credit limit in this credit card. Offers like movie tickets and cash back are good in this credit card. Net banking is easy to make bill payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 14, 2018
    • Kotak Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have started using this account in 2014 and i have opened this account through my salary account. The card services had been not up to the mark, and it was a basic card where there was not much features. The credit limit which they had provided with this card is good and even the customer service is very good. But it would have been good if there was better offers with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 14, 2018
    • Kotak Credit Card
      "Looking for better credit limit"
      0.5 5.0/5 "Blown Away!"
      I have my credit card approved with Kotak Mahindra bank and the experience was good, the process took 10 days to complete. I use this credit card for multipurpose and i did not find any offers so far. The credit limit is less in this credit card and there is no annual fee charged for this card. Documents were collected on time and the customer service was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 14, 2018
    • Kotak Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have been using this card for almost an year, the services has been so far good with them. they had been providing the best service so far. The credit limit which has been provided by them has been good, but even though i am expecting more in the near future. There has been rewards and cash back offers with this card as well.
      Was this review helpful? 0
      , pune
      Reviewed on May 14, 2018
    • Kotak Credit Card
      "GOOD CARD"
      0.5 3.0/5 "Satisfactory"
      Started using Kotak pvr gold credit card As am not satisfied with the credit limit , As there is no annual charges its life time free card .The bank person came for documentation , the approval process was fast and received my card in time . There customer service and response is average .
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 13, 2018
    • Kotak Credit Card
      "BEST CARD"
      0.5 5.0/5 "Blown Away!"
      Got my Kotak credit card and started using it . Their customer service and response is the best . As there is annual charges of 499 rs which will get waived off after using 15k transactions. They took 15 days approved and received my card in time there is no that much cash back and discount are available in this card .
      Was this review helpful? 0
      , mumbai
      Reviewed on May 13, 2018
    • Kotak Credit Card
      "AVERAGE CARD"
      0.5 3.0/5 "Satisfactory"
      Have been using Kotak credit card for long time , As am not satisfied with the customer care as there is no proper response from the customer service . Without my concern they change my payments into Emi , where i have to pay high interest after making complaint still there is no response from them.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 12, 2018
    • Kotak Credit Card
      "GOOD CARD"
      0.5 3.0/5 "Satisfactory"
      Using Kotak bank credit card for years, their customer service is good and this card provide not more discount and good cash back points for every transaction which i make.And their is annual charge and rate of interest also low compared to other credit card available in market.Therefore I am very much satisfied with the credit limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 12, 2018
    • Kotak Credit Card
      "Very Good for Movie Lovers"
      0.5 5.0/5 "Blown Away!"
      It is life time free credit card so no need to pay any annual fee. Customer care service is fully automated. IVR is really good. It took the minimal time to contact the Customer service executive. I have a got credit limit of Rs. 2 lakhs and I'm satisfied.
      Was this review helpful? 0
      , pune
      Reviewed on May 11, 2018
    • Kotak Credit Card
      "Good Card with Many benefits"
      0.5 5.0/5 "Blown Away!"
      Kotak bank travel services charges will be waived off if we use credit card. Airport launch, Fuel options are available in Kotak Mahindra Bank Credit Card. . Fraud protection policy is there. Zero annual fee so i dont want to a single penny. It has bookmy show offers are there to book my tickets.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 11, 2018
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