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.
3x reward points on every ₹100 spent
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
enjoy the benefits of primary card on the add-on card
how do i apply for a Kotak Bank Urbane Gold credit card?
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:
what documents do i require to apply for credit card?
types of charge
₹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
over limit charges
cheque bounce charges
foreign currency mark up
fee for cash payment at bank
copy of credit information report (CIBIL score and report)
you can make your credit card payment by doing any of the following:
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.
yes. you receive an interest-free period on retail transactions for up to 48 days.
no. you do not receive an interest-free period on cash transactions.
yes. all features of the primary card (Urbane Gold credit card) are available on the add-on card.
no. you can choose to redeem as many reward points you want using the credit card.
reward points will expire after two years from the date they are earned.
once you’ve placed a request, you will not be able to cancel it.
the sum insured is ₹50,000 per annum on Gold credit cards.