Kotak Mahindra Bank
Kotak Urbane Gold Credit Card
Annual Fee
₹885₹750 + GSTBase Reward
3% points
Foreign Markup
3.5% on all foreign transactions.
Product Highlights
- 3x Reward Points per Rs. 100 spent
- Free PVR Tickets or Bonus Reward Points as Milestone benefit
- Insurance coverage for a lost card
- Add-on card facility available
Fee Waiver
Get the annual fee waived on spending Rs. 15,000 in the previous year.
Reward Calculator
Earns ₹15/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
9K
Kotak Reward Points
₹900
via standard · ₹0.1/pt
Effective rate
0.30%
Annual fee
₹885
Year 1 net
+₹15
Year 2+ net
+₹15
ongoing
Adjust your spend by reward bucket
1 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
4 free PVR tickets OR 10,000 Reward Points
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
cash advance, rent, wallet, emi, government, education, insurance, online gaming, fuel
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹3,500/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3x Reward Points per Rs. 100 spent on all retail transactions. Redeem points for Movie Tickets through BookMyShow or PVR, Mobile Recharges, shopping vouchers, Air Tickets, etc.
- 1000 Reward Points = Rs. 100.
Benefits & Features
Insurance cover for a lost or stolen card. Credit shield of Rs. 50,000 for unauthorized transactions up to 7 days prior to reporting.
Pros & Cons
Pros
- No joining fee
- 3x reward points on all retail spends
- Milestone benefits of PVR tickets or reward points
Cons
- Annual fee of Rs. 199
- No fuel surcharge waiver
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹3.0L+
Networks
Fee Waiver
Get the annual fee waived on spending Rs. 15,000 in the previous year.