- Joining fee
Nil
- Annual fee
Rs. 199 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
3x Reward Points per Rs. 100 you spend on all retail transactions
- Reward redemption
Redeem the earned points for various categories like Movie Tickets, Mobile Recharge, etc. Rewards Points can used to pay your shopping bills through PayByPoints Program
Benefits
- Insurance
Insurance cover for a lost or stolen card
Fees & charges
- Spend-based waiver
Get the annual fee waived on spending Rs. 15,000 in the previous year.
- Rewards redemption fee
Nil
- Foreign currency markup
3.5% on all foreign transactions
- Interest rates
3.5% per month (or 42% annually)
- Cash advance charges
Rs. 300 per Rs. 10,000 withdrawn
Product highlights
- 3x Reward Points per Rs. 100 spent
- Either 4 PVR Tickets or 10,000 Reward Points as Milestone benefit
- Insurance coverage for a lost card
- Get add-on card and enjoy added benefits
FAQs
What are the annual charges with Kotak Urbane Gold Credit Card?
An annual fee of Rs. 199 plus applicable taxes charged with the card.
Can I get a waiver on the annual fee?
An annual fee of Rs. 199 is charged with this card but you can get it waived on spending Rs. 15,000 in the previous year.
What is the reward rate provided with the card?
For every retail spend of Rs. 100 you will get 3X reward points.
Does this card provide any insurance for the lost or stolen card?
Yes, Kotak Urbane Gold Credit Card comes with a cover of Rs. 50,000 which is provided for a lost or stolen card.
Will I get fuel surcharge waiver with this card?
No, the Kotak Urbane Gold Credit Card does not come with a fuel surcharge waiver.