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Kotak Bank Urbane Gold credit card: fees, features & benefits

Kotak Bank Urbane Gold credit card: fees, features & benefits

December 30, 2021
10 min read
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make shopping your second name

if you’re a shopping enthusiast, you’ll love the idea of getting cashback and rewards on every purchase. Kotak Bank’s Urbane Gold credit card provides accelerated reward points, cashbacks and other milestone rewards that can be unlocked on spending a certain amount.
let’s take a look at the credit card benefits, application process, eligibility criteria and more in this article.



attractive rewards

3x reward points on every ₹100 spent 
1000 reward points have a redeemable value of ₹75
minimum 1000 points required for redemption

milestone rewards

 spend ₹1,00,000 in a year and earn 4 free PVR tickets or 10,000 reward points

protection in emergencies

insurance cover of ₹50,000 in case the credit card is stolen or compromised up to 7 days after the incident

add-on card

enjoy the benefits of primary card on the add-on card
set a spending limit on your add-on card as per your wish
track purchases separately on all add-on cards

how do i apply for a Kotak Bank Urbane Gold credit card?

  • go to and click on explore products > cards > credit card. a page listing all the credit cards will appear
  • scroll down to ‘Urbane Gold credit card’ and click ‘apply now’
  • an application form will appear where you have to fill personal details including the PAN card number and income. once you have filled the details, click on the ‘submit’ button
  • verify your mobile number by entering the 6-digit OTP sent to your phone
  • after the verification, a representative from the bank will call you and guide you through the remaining process.

how do i check if i'm eligible?

an applicant should meet the following criteria to successfully apply for the Kotak Urbane Gold credit card:

  • the applicant should be in the age bracket of 21 to 65 years.
  • the add-on cardholder should be 18 years or above.
  • income should be equal to or above ₹3,00,000 per annum.
  • the applicant should be an Indian citizen.

what documents do i require to apply for credit card?

  • identity proof (Aadhaar card, PAN card, driving license, voting card)
  • address proof (includes documents like passport, electricity bill, gas bill)
  • passport-size coloured photographs
  • attached declaration form duly signed

types of charge


joining fee


annual fee

₹199 (waived off on spending ₹15000 next year)

add-on card fee


interest charged on outstanding balances

3.50% (annualized 42%)

minimum amount due

5 to 10 percent of the total amount as decided by the bank

ATM cash withdrawal/fund transfer/cash advance per ₹10,000 or part thereof


late payment charges (LPC)

₹100 for statement outstanding less than or equal to ₹500
₹500 for statement outstanding between ₹500 to ₹10,000
₹700 for statement outstanding greater than ₹10,000

over limit charges


cheque bounce charges


foreign currency mark up


fee for cash payment at bank


reissue/replacement card


copy of credit information report (CIBIL score and report)


frequently asked questions (FAQs)

how do i pay my credit card bill?

you can make your credit card payment by doing any of the following:

  • drop your cheque in the ‘drop box’ at Kotak bank branches
  • cash payments at an Kotak Bank branch or Kotak Bank ATM
  • auto-debit
  • netbanking
  • CRED app: you can make your Kotak credit card payment on CRED to earn additional rewards and other benefits.

why should i select a Kotak Urbane Gold credit card?

the Kotak Urbane Gold credit card provides accelerated reward points for retail shopping. the points can be redeemed against cash, airline tickets, movie tickets and more.

do i enjoy an interest-free period on retail transactions?

yes. you receive an interest-free period on retail transactions for up to 48 days.

do i enjoy an interest-free period on cash transactions?

no. you do not receive an interest-free period on cash transactions.

are all the features of Urbane card available on the add-on card?

yes. all features of the primary card (Urbane Gold credit card) are available on the add-on card.

is there a limit to the reward points i can redeem?

no. you can choose to redeem as many reward points you want using the credit card.

is there an expiry to reward points?

reward points will expire after two years from the date they are earned.

how can i cancel my reward redemption request?

once you’ve placed a request, you will not be able to cancel it.

what does my insurance cover exclude?

  • charges on stolen credit card after you first reported the event to Kotak credit cards customer care
  • charges on your credit card if it has not been lost or stolen
  • cash advances made with your lost/stolen credit card
  • charges incurred by a resident of your household, or a person entrusted with your credit card

what is the total sum insured on my credit card?

the sum insured is ₹50,000 per annum on Gold credit cards.