Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • loading

    We found 1 Kotak Bank Urbane Gold Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    -
    Response Time : Within 30 minutes
    What you'll love
    Documents
    You'll also love
    Kotak Bank Urbane Gold Credit Card is Rated as "Great!" by 47 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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.

    Kotak Urbane Gold Card Benefits

    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.

    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.

    Kotak Urbane Gold Card Eligibility

    • 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.

    Kotak Urbane Gold Card Fees and Charges

    • 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.

    FAQs

    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

  • Kotak Silk Inspire Credit Card - Exclusively for Women
  • Kotak Royale Signature Credit Card
  • Kotak Privy League Signature Credit Card
  • Kotak NRI Royale Signature Credit Card
  • Kotak Essentia Platinum Credit Card
  • Kotak Delight Platinum Credit Card
  • Kotak League Platinum Credit Card
  • Kotak PVR Platinum Credit Card
  • Kotak Easyday Titanium Credit Card
  • Kotak PVR Gold Credit Card
  • Kotak Aqua Gold Credit Card
  • Kotak Fortune Gold Credit Card
  • Kotak Feast Gold Credit Card
  • Kotak Easyday Silver Credit Card
  • Kotak Best Price Credit Card
  • Kotak Corporate Platinum Credit Card
  • Kotak Wealth Management Infinite Credit Card
  • Kotak Corporate Wealth Signature Credit Card
  • Kotak Corporate Gold Credit Card
  • Kotak Bank Urbane Gold Credit Card Reviews

    • Kotak Credit Card
      "Average service"
      0.5 3.5/5 "Pretty good"
      It was a average service from Kotak mahindra credit card service ,the customer support was good. The process was flexible and easy and the offers and benefits was good with Kotak mahindra credit card service it was a fine experience with Kotak mahindra credit card service.
      Was this review helpful? 1
      , kolkata
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "EXPECTED MORE"
      0.5 2.0/5 "Expected more"
      The customer service was good from the KOTAK bank side for the credit card i got a approval for . I still did not receive the credit card . i would a say it was a good experience . They informed me nothing about the card properly. But still i am waiting for the dispatch of this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Kotak mahindra credit card service was good ,the credit limit they offered me was 45k which was comfortable for me ,interest rate they quoted me was good compared from other credit service providers,it was a average service from Kotak mahindra credit card department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "Not good"
      0.5 2.5/5 "Just OK"
      I have my credit card with KOTAK Bank for about 2 years back . The credit limit was 18,000 which was not satisfactory . The charges are very high than other banks in the market. The customer service and responses was good. The validity of the card is up to 2020 and I have 24/7 helpline number .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Kotak mahindra platinum credit card service was good ,the customer support was good with Kotak mahindra bank credit card department they offered me a credit limit of 40k which was comfortable for me it was a good experience with Kotak mahindra platinum credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Kotak Mahindra bank from last 7-8 years and this credit card is very convenient to use. The credit card services are good comparatively and there is no annual fees in this credit card. I get 5% cash back on online purchase from flipkart and amazon. I use net banking for making payments and there are additional charges on transactions.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am using KMB credit card from last 1 year, the credit card services provided by KMB is good when compared to all other credit cards. I have a credit limit of Rs 15000 which is less and this credit card is lifetime free credit card. I did not get any offers so far in this credit card. I use net banking for making payments and there is no transaction issues in this bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Movie tickets offer with Kotak"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak. They offer 450 rupees movie tickets for every month if the purchase is more than 15000. Limit is 1.25 lakhs. I get reward points and there is no annual charge. There is no reward points. I suggest this card to customer who can spend the amount less than 20000 per month.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Not satisfied with the limit"
      0.5 2.0/5 "Expected more"
      I have taken a platinum credit card from KOTAK. The approved limit was 1 lakhs. Already i have a credit card were i hold a limit of 6 lakhs. I am not satisfied with the limit. Reward points is there. There is no annual charge. I have not used the card yet need to use the card later.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Good and comfortable"
      0.5 5.0/5 "Blown Away!"
      I hold A KOTAK signature credit card with a limit of 75000. Its been just one month i started using the card. I get reward points but not sure about the cashback. There is no annual charge depending on the usage further I use this card for shopping, Electronic purchase etc.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Looking for Better feature"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra is taking high charges based on the credit card transaction, I hope I am holding life time free credit card. I am using Kotak Mahindra credit card around two years, but they haven't enhance the credit limit, since its very low.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I hold a League Platinum credit card with Kotak Mahindra Bank. I am using it for 1.5 years, it was a average service. They are giving good reward points and offers. But I can utilize the points after 6 months, it was not a immediate. If I transact more than the limit then annual fee will be waived off. The payment option is easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Friendly credit card "
      0.5 5.0/5 "Blown Away!"
      Kotak credit card is actually good, I could easily log in their netbanking features. I am having saving account with the same bank its convenient to check credit card transaction. Some time they giving no EMI Interest for three months its good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Good features"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra Bank has also offered me a credit card. The best about the card is the reward points and the credit limit too. There are no cash back offers. The billing cycle and the statements are clear and sent to me on time. It has always been convenient to use the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "GOOD"
      0.5 3.5/5 "Pretty good"
      The customer service was good from the bank side while the card process was okay. The bank gave me a credit limit of 1 Lakh and i am happy with the credit limit . it is a League card which was provided by the bank. The Bank provided me Cash withdrawal option on the card and also the balance transfer option .There are good offers which is present on the card.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Conveneint card"
      0.5 5.0/5 "Blown Away!"
      I had applied for a credit card with Kotak through online channel. It is not easy to reach the customer care, need to wait around 12 minutes to connect with the person. The rate of interest was okay which was not competitive. The card is convenient for shopping and booking movie tickets. I got a Kotak Essentia Credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra Bank credit card from last 1 year, the credit card services are very good in KMB credit credit card. This is a lifetime free credit card. I have a credit limit of Rs 20000 with the cash limit of Rs 4000. I did not check for any offers in this credit card. I use net banking for making payments and there is no transaction issues.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 12, 2017
    • Kotak Credit Card
      "Convenient Credit Card"
      0.5 5.0/5 "Blown Away!"
      Compared to SBI, Kotak Mahindra credit card is very good. I am using this card almost one year, I have not faced any bill discrepancy. I am satisfied with Kotak credit card limit, they do have balance transfer, EMI and cash withdrawal options.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
    • Kotak Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for a credit card and the bank has offered me a life time free card. The limit is great and there has not been any unwanted charges on my card. I am always kept in the loop in case if there is a fee to be taken. It is a clear.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • Kotak Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      I am holding the Kotak mahindra bank credit card and am using it from the last two years of time. There are no speculative offers with them till now. I am happy with the Kotak mahindra bank credit card.
      Was this review helpful? 2
      , gurgaon
      Reviewed on Dec 11, 2017
    Common Loader Icon
     Loading your search... Loading your search...
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.