Kotak Urbane Gold Credit Card

₹235 plus GST, waived on ₹15,000 of annual spend.

The strongest published rate is 3% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.

No — airport lounge access is not offered on this card.

Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.

There is no accelerated category. Groceries, dining, travel and online shopping all earn the same 3 points per Rs. 100. There is no accelerated category. Groceries, dining, travel and online shopping all earn the same 3 points per Rs. 100. There is no accelerated category. Groceries, dining, travel and online shopping all earn the same 3 points per Rs. 100.

KOTAK publishes about ₹25,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.

Redeemed through the issuer's rewards programme as published on the card's product page

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

Nothing in the first instance — there is no joining fee. The annual fee is Rs. 199 plus GST, which is Rs. 235, and Kotak waives it on minimum retail spends of Rs. 15,000 in a year. That is about Rs. 1,250 a month, the lowest waiver bar of any paid card in our catalogue, so for most people who use the card for groceries it costs nothing at all.

Rs. 0.10. Kotak publishes the conversion as 1,000 Reward Points to Rs. 100, and the card earns 3 points per Rs. 100 spent, so the base return is 0.3%. That is deliberately modest: this is a low-cost card to hold, not a high-earning one, and a cashback card will pay several times more on the same spending.

Rs. 1,00,000 of annual spending earns either four PVR tickets or 10,000 Reward Points. At the published point value 10,000 points is Rs. 1,000, so the two options are worth roughly the same and the choice comes down to whether you go to the cinema. Reaching it needs about Rs. 8,300 of spending a month.

Kotak publishes an age window of 21 to 65 and an income requirement of Rs. 3 lakh a year. Both are at the accessible end of this catalogue — the income bar is among the lowest here, and an upper age limit of 65 keeps the card open to applicants that most premium cards decline. Approval remains at Kotak's discretion.

No. Kotak publishes no lounge access for this card. If lounge visits matter to you, the Kotak Air card gives four domestic visits a year for a Rs. 999 fee, and the Air+ adds two international visits for Rs. 3,000.

3.50% a month, or 42% a year, which is the cheaper end of Kotak's published range for consumer cards. The interest-free period runs up to 48 days from the start of the billing cycle, but it is suspended entirely if any part of the previous month's bill is still outstanding.