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What is a Kotak Urbane Credit Card?

Kotak Mahindra Bank over the years has established itself as a credible and reliable issuer of credit cards, a feat that is reflected in its rather large catalogue of credit card offerings. From the Wealth Management infinite credit card, the NRI Royale Signature Credit and the Corporate platinum credit card to the Corporate Gold credit card and Privy League Signature credit card, these do not even begin to go down the list. To add to the variety offered to customers, Kotak Mahinda has released the New Kotak Urbane credit card. With enticing features such as 3X reward points against retail spends of every 100 rupees, to free PVR tickets and additional reward points, the Urban gold Kotak credit card is an exciting new entrant. Let’s take a look.

Kotak Urbane Gold Credit Card Features & Benefits

The Kotak Mahindra Urbane credit card offers customers a number of benefits, beyond the convenience of being able to fund your immediate expenses without having to worry about your bank balance at the time. Let’s take a look at some of the features and benefits of the Urbane Kotak credit card.


Kotak Urbane Gold Credit Card

  • 3X Reward Points: With the Kotak Urbane gold credit card, you receive 3X points on every 100 rupees you spend. Meaning, if you spend 10,000 rupees, you would receive 300 points. Every 1,000 points have a spending value of 100 rupees.

  • Urbane shield: In the event that your Urban gold credit card gets stolen, there is no need to panic. With Urbane shield, you receive a cover of 50,000 against theft if the card has been fraudulently used after being stolen, for upto 7 days.

  • Add on card: You can enjoy similar benefits on your add on card as well. In addition to this, you also have the ability to set a spending limit for your Urban Gold Kotak credit card, and can even track your expenditure separately on each card.

  • Milestone: For every expenditure milestone that you meet with your Urban Kotak credit card, you receive certain incentives and benefits. For instance, when you spend 1,00,000 on your Kotak Urbane credit card, you are eligible for 4 free PVR tickets. Alternatively, if you aren’t necessarily interested in the tickets, you can avail of the 10,000 reward points instead.

Kotak Urbane Gold Credit Card Fees & Charges

Despite all the benefits, there are some charges that you have to pay for the Kotak Urbane credit card. Let’s take a look.


Urbane Fee

Annual fees


Joining fees


Add on card fees


Interest on outstanding balance

3.5% (42% annually)

Minimum Amount Due

5% or 10% of TAD. This is upto the bank’s discretion.

Late Payment charges

For statement less or equal to 500: Rupees 100.

For statement between 500 and 10,000: 500For statement larger than 10,000: 700

Over limit fee


Charges for bounced cheque


Charges for cash payment in Bank


Replacement of card/reissue of card


Conditions to be met in order to waive annual fees in the first year

Minimum retail amount of 15,000 or above

Condition to be met in order to waive annual fees in the second year onwards

Minimum expenditure of 15,000 per year.

Kotak Urbane Gold Credit Card Reward Points

As mentioned earlier previously in this article, there are a number of benefits and rewards you receive when you acquire a Kotak Urbane Gold credit card. From 3X points per 100 rupees spent, 10,000 optional points when you spend 100,000 or even PVR movie tickets. Needless to say, the more you use your Urban Kotak credit card, the more points and rewards you rack up.


As part of the New Kotak Urbane gold credit, thisKotak credit card offersa more simplified reward management system for your Kotak Urbane gold credit card. You can use your card for a slew of spending options, from e vouchers, movie tickets , recharging your phone or shopping from over 10,000 products, and earn points on them all.

Kotak Urbane Gold Credit Card Eligibility Criteria

Here are some eligibility criteria that you have to first meet in order to apply for a Kotak Urbane credit card.

  • The card holder needs to be between the age of 21 and 65 years. If you have an add on card holder, they must be above the age of 18.

  • Only those located in the following cities can avail of the Urban Gold Kotak credit card: Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

  • You must have a yearly income of Rs. 3 Lakhs or above in order to qualify.

  • One must be a resident of India in order to apply for the Urban gold Kotak credit card.

How to Apply for Kotak Urbane Gold Credit Card

The Kotak Urbane Gold credit card is not available on the Bajaj Markets website, therefore you will have to apply for the same from the issuer’s website.

  • Visit https://kudosdigital.kotak.com/vivid/vividflow/run/cc_etb_flow#CustomerType to begin your application.

  • Select your choice from “New Customer” or “Existing Customer.

  • A slew of customer questions will help ascertain the best type of credit card for you based on your expenses and monthly income. Complete the questionnaire, and proceed to finish your application.

  • Alternatively, you can choose the Kotak Urbane credit card from here as we

How to reach Kotak Urbane Gold credit card customer care?

In order to receive UrbaneKotak credit card customer care, you can call the following number 24/7. 1860 266 2666.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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What is Kotak Mahindra Urbane Gold credit card?

The Kotak Urbane gold credit card is one of the many credit cards issued by Kotak. A credit card allows individuals to spend money which they borrow from the bank, and can repay their credit card bill at the end of the month.

What is the Kotak Urbane Gold Credit Card limit?

If you exceed 100% of the spending limit, you will incur a Rs. 500 penalty.

What is the Kotak Urbane Gold Credit Card statement?

You can view your Kotak Urbane Gold Credit card statement here: https://kapps.kotak.com/CCPreLogin/Statement/statement

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