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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

  • 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
      "Good card"
      0.5 5.0/5 "Blown Away!"
      There is no annual charges in Kotak Mahidra bank. They have given me a better credit limit and I'm okay with it. They have given me a credit limit of Rs. 30000. 5 months back, i have purchased this credit card. As of now i have not received any offers on online and offline purchase.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 23, 2018
    • Kotak Credit Card
      "Credit limit to be increased"
      0.5 3.0/5 "Satisfactory"
      I have been using Kotak Mahindra Bank for past 6 months. It is a Kotak Urbane Gold card. The credit limit was not satisfactory. The customer service and response was good. I don't pay any attention on the reward points. I used this card for multi purpose.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 17, 2018
    • Kotak Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I do use a Kotak Urbane Gold card and it was offered at the time of my salary account. The credit limit is 20K. They will charge 500 rupees as annual fee. Am not getting any benefits on the card. I make the payment through mobile app, its good to operate.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2018
    • Kotak Credit Card
      "Better"
      0.5 5.0/5 "Blown Away!"
      I have a Kotak Urbane Gold credit card for last 4 months. The credit limit was satisfactory. They charge annual fee for this card. The rate of interest is reasonable. There is no any offers. They have provided me a credit card after 2 years on the salary account basis.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 15, 2018
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have a Kotak Urbane Gold credit card with Kotak Mahindra Bank. They gave me a card before one month based up on the account. I am not satisfied with the credit limit. They are charging annual fee of 500 rupees for a year. I am using the card for grocery, shoppings, etc.
      Was this review helpful? 1
      , thane
      Reviewed on Nov 12, 2018
    • Kotak Credit Card
      "Looking for best offers"
      0.5 3.0/5 "Satisfactory"
      Generally Kotak don't have too much of offers. I am a guy interested like foody time and hang-round type. I look for movie offers and dining discounts which is really disappointing. The service is good. They do charge annual fee for less than 1L. I got Kotak Urbane Gold card and am not using much. The credit limit is 1L.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 08, 2018
    • Kotak Credit Card
      "Need to increase the credit limit"
      0.5 4.0/5 "Great!"
      I am using a credit card with Kotak Mahindra Bank. Using Urbane card for last one year. There is no special limits on the card. I am not happy with the credit limit. I would appreciate if they can increase my limit. It is a zero annual fee card. Its been used for general purpose.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Nov 08, 2018
    • Kotak Credit Card
      "Credit card limit "
      0.5 3.0/5 "Satisfactory"
      I am holding a card of urban it have only 15k limit and i want to increase it's limit however i am using my card frequently and making the payment on time even before time but still i am not satisfied with the card limit so please let me know how could i or help me out.
      Was this review helpful? 0
      , noida
      Reviewed on Oct 29, 2018
    • Kotak Credit Card
      "Good to use"
      0.5 4.5/5 "Excellent!"
      I have been using the Kotak credit card for past 7 months. Its a URBANE GOLD card, not so much of benefits. The special about the card is zero annual fee. They offer one free movie ticket every month. The credit limit is less, but they promised me it will be increased in the upcoming year.
      Was this review helpful? 1
      , pune
      Reviewed on Oct 24, 2018
    • Kotak Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am happy with the Kotak Urbane Credit Card, and the process in getting this card has taken a little more time than usual where it had taken a month time to get delivered and the documentation has also been taken some time. Their customer support also had been making calls in between but the language was not comfortable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 02, 2018
    • Kotak Credit Card
      "Best card to use"
      0.5 4.5/5 "Excellent!"
      I am having Urban credit card with Kotak Mahindra bank from last 2 years, the credit limit is fine in this credit card and there is a waiver condition for annual charges. I get good reward points in this credit card and emi conversion option. Net banking is easy to make payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 30, 2018
    • Kotak Credit Card
      "Very low limit"
      0.5 3.0/5 "Satisfactory"
      I've been using the Kotak Urbane Credit card for a while. I've also got a bank account with the Kotak Mahindra bank also it is easy to make payments. They need to improve the credit limit on the basis of usage and track record.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 18, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the KOTAK Urbane Credit card for a while. This is the first credit card, very low limit and getting points. Limit is not increased even after extensive usage of the card. They should consider improving the limit based upon the usage and transactions.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 16, 2018
    • Kotak Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Kotak mahindra bank credit card is providing a very good rewards points. For a single swipe, they are providing 4 rewards points. They are giving a cashback offers for movies, dining and shopping. There is no annual charges for this card. They have given me a credit limit of Rs. 88000. The interest rates are nominal.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 29, 2018
    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been the best card among all the cards which i am holding. The services which they had been providing had been good as well as their customer support also had been good. They had given me with a good credit limit as well as there has been good features and benefits with with the card as well. It has been very convenient in using this card where i had been using the card for shopping and all other purchases.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 26, 2018
    • Kotak Credit Card
      "Normal Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the KOTAK Urabne Credit card for a while, there are lot of hidden charges and the rate of interest is also high when comparing to other cards. It don't have any commendable features or benefits with the card. They need to provide more offers to the customers.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jul 25, 2018
    • Kotak Credit Card
      "The Service needs Improvements"
      0.5 2.0/5 "Expected more"
      I've been using the KOTAK Urbane Credit card for a while. The experience was not good because even if I spend 50000 I will get only 2000 points; when converting these points its worth only 200 rupees.. The reward points value is pathetic. This is entry level credit card, the customer support was fine.
      Was this review helpful? 3
      , bangalore
      Reviewed on Jul 17, 2018
    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting the card has been very good and the card has reached on time. The credit limit with the card has been less than what was expecting. The features and the benefits with the card has been okay but it is less than the other cards which i am holding. I had started using the card for shopping and all other purchases.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 12, 2018
    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this card for the last three to four months and it has been a very good experience with them so far. They had given me with a very good credit limit and there has been good benefits and features with the card as well. This has been my first card and there also had been good offers with the card. There has not been any issues faced with the banking services of them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 28, 2018
    • Kotak Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the Kotak Urbane Gold Credit card for a while. Their interest rate is very low, Cash limit is 10000. They also offered a very low credit limit. Overall they need to provide more limit on the basis of usage and track record of a particular customer.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 26, 2018
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