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    Kotak Bank Urbane Gold Credit Card is Rated as "Pretty good" by 34 Users

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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.

    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

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  • Kotak Bank Urbane Gold Credit Card Reviews

    • Kotak Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I am holding Kotak Mahindra PVR platinum credit card, they are providing good movie ticket discounts, but I am not using that much. Because I do have other credit card but still Kotak has good credit limit and their reward points, cash back offers are excellent.
      Was this review helpful? 0
      , medak
      Reviewed on Oct 19, 2017
    • Kotak Credit Card
      "Good to hold and use"
      0.5 3.0/5 "Satisfactory"
      First Kotak offer me movie card and I have replaced it with Fortune Gold Card. Using it for more than 1 year. I cannot view the reward points on the mobile application. It is life time free card. As they promised, increased the credit limit after 6months which was satisfactory now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Very good experience"
      0.5 4.0/5 "Great!"
      The deals on the Kotak Mahindra bank credit card are always good and the services are always to my satisfaction and there has been no issues. The credit limit is good and the bank has a lot of deals online and there are features of EMI which is very much flexible.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra credit card from last 4 to 5 months, Kotak Mahindra provides one of the best services on credit card. There was no annual fee charged at the time of getting this card. I also get good offfers like cash back and reward points. The credit limit is comparatively good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Best banking "
      0.5 5.0/5 "Blown Away!"
      I hold kotak credit card with a good limit of one lakh they had recently upgraded my card,get many offers on the card for shopping online as well as offline.Its a zero fees card. Its a Best card to hold with.Its a privilege holding kotak card for my transaction.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I would never want to recommend Kotak Mahindra bank for a credit card. It has been a very poor experience with them. They have charged me a late payment fee, for which I paid and this month again I receive a late fee charge in my bill. The credit limit is low. Likewise they instruct the customer where they should or should not use the credit card, when it has to be the customers choice.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      The experience for a credit card is not satisfactory with Kotak Mahindra bank. There are very high charges and the customer services are not up to the mark. It has always been a poor service from this back and they need to improve overall when compared to the other banks.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit card is with KOTAK taken 6 months back. The credit limit was 15,000 and the charges are average here. I hold the visa International card. I have 24/7 helpline number also.. I get rewards point and cash back offers as benefits but I have not used them .The credit card process was very fast and easy. The interest rate is also good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      From the last six months of time, I am using Kotak mahindra bank credit card and the response is good one with them, also the customer service is also an excellent one. Online payment services are feasible one for me,.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      I have a KOTAK MAHINDRA credit card I use to get offers from KOTAK MAHINDRA the service is very nice very good customer service and the credit application was very user friendly and easy to use ,I will say the service of KOTAK is very good for my credit card service.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Kotak mahindra card for shopping, restaurants, utility bills, fuel and for mobile bills. I use the Kotak mahindra bank Urbane credit card for more than 4 years. I am not satisfied with the credit limit, still they need to increase the credit limit.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have the Kotak mahindra Aqua credit card for past 7 to 8years. The customer support is average with Kotak mahindra credit card department. I am satisfied with the credit limit. I use this card for shopping , purchasing, fuel charges, ticket booking and for other usages.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      There are good deals on the credit card with Kotak Mahindra Bank. It is a nice experience as the offers are useful to me. There are no hassles while using the card and there are no charges as well. The limit is to my expectation and the card is accessible every where.
      Was this review helpful? 0
      , rohtak
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Customer support not reachable"
      0.5 3.0/5 "Satisfactory"
      I bank with Kotak Mahindra bank for a credit card as well. The major drawback in this account is the customer support team is not reachable. I am not able to clarify my queries and it is not convenient. the offers are okay and the limit is also good.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Application takes long"
      0.5 3.0/5 "Satisfactory"
      The procedure for applying Credit Card in this bank is very lazy to say the least. I submitted the documents twice, and in both the cases I received almost no reply at all. I got a call from them stating that I would get a verification call, which hasn't reached me yet.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I had a bad experience for the credit card with Kotak Mahindra bank too. The net banking shows that I have reward points but when I contacted the customer care they were not helpful for me to redeem it. The customer services and response is not satisfactory.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 15, 2017
    • Kotak Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I am happy that Kotak Mahindra Bank has offered me a credit card after the disbursement of my loan. Though I have not explored on the card much, I appreciate the fact that the bank offered me the card which I have not seen with any other bank. Good overall.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 14, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Kotak mahindra Royale Signature credit card for more than 4 years. I use this card for shopping and for other bill payments. I am satisfied with the credit limit and there is no annual fee with this card. I would say it is a very good card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 14, 2017
    • Kotak Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I have got a credit card from KOTAK MAHINDRA BANK as I have a salary account with them for the past 2 years. It is a Visa Gold credit card. I use this credit card for movies, online recharges, shopping etc. There is no annual fees for this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 14, 2017
    • Kotak Credit Card
      "Good for all"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra giving points for air tickets, I am using Royale signature credit card it has an annual fee around Rs.499. They giving some shopping voucher for that annual fee. Credit limit is very excellent in Kotak Mahindra even offers is good.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Oct 14, 2017
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