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    We found 1 Kotak Bank Urbane Gold Credit Card

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    Kotak Bank Urbane Gold Credit Card is Rated as "Satisfactory" by 18 Users

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    Overview:

    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.

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  • Kotak Bank Urbane Gold Credit Card Reviews

    • Kotak Credit Card
      "Well done"
      0.5 3.0/5 "Satisfactory"
      Kotak had done exceeding well because their response was very much immediate also I am very much happy with the response provided by them. For example in case of any charges or any other issues they revert back instantly and provide instant resolution. But I dont have a clue about their over draft facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 23, 2017
    • Kotak Credit Card
      "Services are excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card is with Kotak Mahindra bank and I am happy about the banking services. The online banking is good as I can view my statements clearly and also my transactions as well. The customer support is also helpful. The offers are up to my expectation and when ever I used my card online and offline be it for shopping or to make any other transaction. There are no hassles.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 23, 2017
    • Kotak Credit Card
      "Credit Limit Very Low"
      0.5 2.0/5 "Expected more"
      Kotak mahindra bank has offered me the credit card and I am normally using the credit card as the limit is very bad they have offered me just 15000 rupees and the process in getting the card was also simple and The card is also accessible everywhere but they said after 6 months they will enhance the limit
      Was this review helpful? 0
      , noida
      Reviewed on Aug 23, 2017
    • Kotak Credit Card
      "Not recommendable "
      0.5 2.0/5 "Expected more"
      I am also not happy with the credit card of Kotak Mahindra bank. There are no features at all on it and the charges and interest rate is very high. I would not wish to recommend the bank for this product as well. I do not get good deals on online shopping as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 23, 2017
    • Kotak Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am holding a kotak mahindra bank credit card. I did not face any issues with them at all. I have been using this card for the past 7 years of time. I am very much happy with the credit limit offered by them its 83000 rupees statement i check everything online and there are no hidden charges and the annual charges of this card is 499 rupees.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 22, 2017
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am using Kotak mahindra bank credit from the last two years of time.Response is fine one with the Kotak Mahindra bank and the credit limit value is around 25000 Rupees, also am really not okay with that, and I have asked them to increase it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • Kotak Credit Card
      "Need to be quick and fast"
      0.5 2.0/5 "Expected more"
      I have applied Kotak mahimndra credit card 15 days ago, still I never got any update on my credit card application which I have applied for. The response part need to be quick and fast from kotak mahindra. They need to fulfill the customers need on appropriate time. It would be great if kotak mahindra at-least updates the application status to the customers on promised time.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 21, 2017
    • Kotak Credit Card
      "Good to hold and convenient to pay bill"
      0.5 4.0/5 "Great!"
      Kotak Mahindra credit card is good for converting the outstanding transaction into an EMI and with less amount of processing fee . I am holding Kotak Mahindra PVR gold credit card, its good for movie ticket booking. This card is accessible everywhere.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 21, 2017
    • Kotak Credit Card
      "Good to Maintain"
      0.5 5.0/5 "Blown Away!"
      As I maintain an account with Kotak mahindra bank, I availed credit card services too. I am paying some amount in yearly basis in order to maintain the card. But I am not sure about the yearly charges. The credit limit is moderate and it is enough for my usage. I did not see any hidden charges or unwanted charges till date. All things are going good.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 21, 2017
    • Kotak Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I received urben Credit card of Kotak Mahindra around a two years back back. This card is offered to me basis on my salary account in Kotak Mahindra Bank. So far my experience with the card is good. Bank has good offers for movie tickets at PVR cinemas. Credit limit they have offered me is 24000 and its a life time free card
      Was this review helpful? 0
      , nizamabad
      Reviewed on Aug 20, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank is doing good on the credit card. The features are good and the overall experience is nice. The limit is to my satisfaction and the bank enhances it accordingly. There are the other offers of cash back and rewards are there too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • Kotak Credit Card
      "Excellent Balance Transfer option"
      0.5 5.0/5 "Blown Away!"
      My credit card is with Kotak Mahindra Bank. The best I prefer on the credit is that I can do a balance transfer and I can not only do it to my other credit cards, I can also make a transfer for the cards owned by my family members too. This feature is not available with the other bank cards I been using. There are normal annual charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • Kotak Credit Card
      "Excellent card to hold"
      0.5 5.0/5 "Blown Away!"
      KOTAK is really doing well when it comes to credit card, as they have provided a very good line of credit. Actually they have provided me a very good rate of interest and it is very low. KOTAK has got all sorts discounts at BMS and online stores. Plus they did not set any clause for annual fee.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      My credit card is with Kotak Mahindra bank and there are no charges taken for the card, secondly I am given a lot of offers and there are much of deals online. There has been no hidden charges and the billing cycle is also comfortable for me. I got a decent credit limit on the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • Kotak Credit Card
      "Satisfied with the services"
      0.5 4.5/5 "Excellent!"
      I am happy to use the credit card of KOTAK a well. As long as I had been using it, there were no issues and the experience has been perfect till date. The offers are good and the limit is to what I expect. Just that the service charges are a bit higher but I am happy with the overall experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • Kotak Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      The Kotak mahindra credit carries very low interest rate. I convert any purchase I made through Credit card in to EMI, if I pay the full payment of what I spent, I will be getting the reward points,. From Kotak mahindra PVR movie tickets also given . The credit limit is quite High I got around Rs.70,000 it is twice of my salary, I would say I am satisfied with the credit limit.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 16, 2017
    • Kotak Credit Card
      "Nice Experience "
      0.5 4.5/5 "Excellent!"
      My credit card is with Kotak Mahindra bank and the banking services are good. I am happy with what ever I have received on the card. Be it the features or the offers or the credit limit. The transactions goes through smoothly and there are no hassles.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 14, 2017
    • Kotak Credit Card
      "Looking for a better feature"
      0.5 4.5/5 "Excellent!"
      My salary is Kotak Mahindra, at the time of account opening , they offered saving account along with their credit card. Kotak gave me the credit limit of Rs. 50,000, but they are taking some charges on yearly basis. However if I spent some certain amount that annual charges gets waived off. I am fine with everything but they should increase the credit card offers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 11, 2017
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Its been around two years of time, I am using Kotak Mahindra bank credit card and the credit limit value is around 25000 Rupees, also I got it as an add-on for my car loan. Payment mode is a feasible one with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 10, 2017
    • Kotak Credit Card
      "Hassle free"
      0.5 4.0/5 "Great!"
      Kotak Mahindra Bank has offered me a credit card as well and the services on the card has been good. I was contacted on a time to time and given the details and the bank has also offered me a limit which is enough for my usage. The charges are very much normal.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 10, 2017
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