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  • Kotak Bank Urbane Gold Credit Card

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    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

  • 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
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    Kotak Bank Urbane Gold Credit Card Reviews

    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am holding Kotak bank Urban credit card which gives me lots off offers for shopping, fuel purposes. it is a life time free credit card. I am using this card from past 6 years, limit for this card is good to use for 2.5 lakhs. I use to do payment full with no issues and it is friendly service.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 27, 2019
    • Kotak
      Kotak Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I have taken a urban credit card with KOTAK MAHINDRA BANK on 1 year before which was processed through bank directly. It is a life time free credit card. The credit limit is good. Now it is change to royal signature card. This card is applicable for dining and airport lounges.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 17, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have selected KOTAK URBAN credit card and I am using the same for the past 3 years ago. The annual charges are amounting to Rs 299.while spending 1 lakhs annual 1 st year annual charges would be waived off , while spending 1 lakhs i will receive 4 movie ticket , if I book movie tickets on Saturday only I will receive 1 ticket free.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 16, 2019
    • Kotak Credit Card
      "Best credit card"
      0.5 4.0/5 "Great!"
      I have selected kotak urbane credit card past 3 years ago using this credit card ,life time free credit card , while transaction i will receive rewards point and no cash back offer .All notification message and email communication from banker end , sufficient limit is provide from banker end. Mobile application friendly application ,EMI option is applicable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 04, 2019
    • Kotak Credit Card
      "Benefit card"
      0.5 5.0/5 "Blown Away!"
      I have a urban Gold credit card from Kotak Mahindra bank and this is a free card which is my first credit card. In the PVR movies, there will be a offer applicable only on Saturdays which is buy1+get1 movie ticket offer. The offer is getting keep on changed for every 1 month.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 31, 2019
    • Kotak Credit Card
      "Overall Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra for last 1.5 year, we can get the loan on the credit card and I can covert the outstanding balance into emi and it can be full amount or partial amount. I can transfer balance from one card to another card with less interest. I started Kotak card Rs. 30,000 as limit now they upgraded 1.20 lakh. The payment is also instant, if I call their toll free no within 30 sec I could reach their executive. Yearly 199
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 09, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I have selected kotak uraban credit card past 1 year ago using this credit card. Annual charger Rs 500 is applicable .while spending 1 laksh waiver off annual chargers. Customer service is good and responsive . While documents submitted through executive so there is no delay credit card . While transaction through online i will receive rewards points and cash back offers sufficient limit is provide from banker end.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 02, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Kotak Mahindra Bank credit card which i have applied directly with Bank .I am using this credit card for the past 1.5 years.This credit is having a good credit limit andso far not faced any difficulties as well.I have cash back offers and reward points also .Customer service is also good and getting good response.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 31, 2019
    • Kotak Credit Card
      "Good for all transaction"
      0.5 4.0/5 "Great!"
      I have kotak urbane card, I started using my card for the shopping at malls but so far I didn't see any discount. The credit limit of the card is lower it would nice if they increase the limit. If I spend Rs.30,000 I would be getting free pvr movie tickets.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 26, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I was selected Kotak mahindra bank credit card with variant of urbane and customer service is good all the transaction made in this card is easy. There is no EMI options facility .iam using this credit card for past 3 months and the given credit limit is satisfied.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I was choosen Kotak urabane credit card. Before 1 month using credit card ,documentation done on timer there is no delay,no cash back offers and reward point is applicable. Its acceptable in all shopping purpose. I will recommended to my friends and colleagues.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 23, 2019
    • Kotak Credit Card
      "Not happy with the service"
      0.5 1.0/5 "Really Bad"
      I am using Kotak Urbane card and making the payment on time, I have a good history but they have not provided me a highest limit which is only 40K and reached to 1.20L after calling the support many times. They took more long time for enhancement. The reward point structure is not at all good, 1000 points=75 rupees even pay back points are less. I have called the customer care many times but the response was not appropriate, they need an improvement.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 12, 2019
    • Kotak Credit Card
      "Satisfactory Service"
      0.5 5.0/5 "Blown Away!"
      I have saving account with KOTAK MAHINDRA BANK , Based on that I got this credit card offer. I use mobile app its is user friendly and its is better to compare to other bank application. I am getting good reward points. The offers are very attractive. The credit limit is very satisfactory.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 15, 2019
    • Kotak Credit Card
      "Kotak Credit Card"
      0.5 1.0/5 "Really Bad"
      Dear all don't take this card, there are many hidden charges, bank didn't provide you proper statement I was convert amount in EMI and after one month asked bank help centre about provide me whole details but he said we can't provide you and on cash withdrawal they charged 300+ GST 134.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 01, 2019
    • Kotak Credit Card
      "Offers should be improved"
      0.5 2.0/5 "Expected more"
      From Kotak Urban card, they gave me points and limit. There is no proper customer service from Kotak Mahindra, I am very disappointed with them. They need improvement on the help desk, there is no yearly charges on my card however the benefits are less. They give only movie ticket offer like buy one and get one free, remaining offer needs to be improved.
      Was this review helpful? 1
      , noida
      Reviewed on Mar 25, 2019
    • Kotak Credit Card
      "charges to be reduced"
      0.5 2.0/5 "Expected more"
      I am using Kotak Urbane Gold credit card for past 3 months. The credit limit is not sufficient. The customer service is good. The annual charges are applicable and I need to pay Rs.500 yearly. The billing cycle date is convenient but the rate of interest is too high.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      There was no much reward points on the credit card. I have taken a Kotak Urbane through online channel. The customer service and response was good. The credit limit was less compared to others. The rate of interest is nominal. I have been informed as life time free credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 24, 2019
    • Kotak Credit Card
      "Looking for better offers"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra does not have much offers on e-commerce sites. I am using Kotak Urbane Card for past 2 years. The credit limit was okay and yearly they are charging 500 rupees as annual fee. I have converted the payments into EMI and the charges are reasonable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2019
    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this Credit card for the last three to four years and the services which they had provided so far has been good. They had provided me with a good credit limit and there has been some good benefits like free movie tickets which i used to get through this card. The annual charges with this card will get waved off as per the usage.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Feb 16, 2019
    • Kotak Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I have received the Kotak Bank Urbane Gold credit card. The process to get the card was good and there were no hassles to use the card. There are good benefits and the credit limit is also fine. There are annual charges on the card which gets waived off on the usage.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 03, 2019
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