Kotak Mahindra Urbane Gold Credit Card Review

If you are looking for simplicity and powerful rewards, then you should take a look at the kotak mahindra bank urbane gold credit card. It is an entry-level credit card tailored to target those who are getting their first credit card or want to have a secondary credit card

This urbane credit card is also very good at offering reward points and a number of useful tools and features that will make your life easier. More about the kotak mahindra bank credit card benefits card are discussed below.

How does the kotak bank credit card eligibility work?

  • Resident Type: Indian. 
  • Kotak bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 3 lakh annually. 
  • Kotak credit card eligibility for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 3 lakh annually. 
  • A CIBIL Score of 700+ is required to apply for a kotak mahindra urbane credit card.

You can apply for this urban gold card from the kotak bank credit cards online application portal. If you are confused with the kotak credit card application process, then you can get some help from our faq page

What documents are required to apply for the urbane credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

As per new credit card rules, all new kotak credit cards are delivered in an inactive state. So, if you want to know about the kotak credit card activation process then you can get some help from our faq page.

What are the kotak urbane credit card annual charges?

  • Kotak urbane gold card joining fee: None. 
  • Kotak urbane credit card annual fee: Rs.199 + GST

What are the kotak mahindra bank credit card benefits?

  • Make every transaction rewarding:

The Kotak urbane gold credit card offers 3X reward points on every retail spend made with this card. You can use those kotak urbane credit card reward points to pay your credit card bills, book travel, etc. You can also use them to get a product from the kotak credit card rewards redemption catalog. You will need a minimum of 1000 kotak credit card reward points to make a redemption. 

  • Earn extra benefits from milestone spending:

On spending Rs.1,00,000 or more within a year, this kotak credit card offers two bonus gift options, 10,000 kotak credit card reward points, or 4 PVR tickets. The movie tickets can be used anytime you want.

  • Convenient online kotak card payment options:

You can pay your credit card bills online from your kotak credit card net banking account or from any credit card payment app like Cred, Google pay, Paytm, Phone pe, etc. If you don’t have access to those kotak mahindra online credit card payment options, then you can pay your credit card bill from your nearby Kotak Mahindra Bank branch.

  • Complementary lost card liability coverage:

With the urbane shield, you are covered with Rs.50,000 against lost or stolen cards. So if your urban gold card ever gets lost or stolen, you just have to report it by calling the kotak bank credit card customer care no and you will not be liable for anything bad that may happen to your urbane credit card account. 

  • The perfect travel companion for you:

This kotak urbane gold credit card is globally accepted, you can use this card at any outlet or e-commerce site where visa credit cards are accepted.  

What are the kotak urbane credit card charges?


Payable amount

Kotak credit card cash withdrawal charges

Rs. 300 for every Rs. 10,000 withdrawal (check your available kotak credit card limit before making a withdrawal)

Kotak urbane gold card finance charge

The kotak credit card interest rate can go up to 3.50% monthly (applicable if you don’t pay kotak credit card bill on time)

Kotak bank credit card charges on currency conversion

3.5% against the transaction amount

Kotak gold credit card add-on card fee


How to contact the kotak credit card customer care department?

  • Call the kotak mahindra bank credit card customer care: 1800-209-0000 (Toll-free) or 022-6600-6022
  • Write to the kotak credit card customer care email id: customerfirst@kotak.com 

100xGain Ratings:


Pros and cons of the kotak urbane gold credit card:



  • You will get 3X kotak credit reward points for each transaction.
  • This kotak credit card features a very low annual fee.
  • You can earn free movie tickets as a milestone benefit.
  • There are no movie and dining benefits on this urbane gold credit card.

Final Opinion:

If you are new in the credit market and looking for easy-to-qualify credit cards to gain some experience, then this kotak urbane credit card is going to be a solid choice for you. Along with reward points on every transaction, this kotak bank credit card offers some very attractive features like lost card liability coverage, lifetime free add-on cards, and lots more.

But if you are ready to spend a bit more to get a slightly better option, then feel free to visit our best credit card pages to find out the best credit cards for beginners

Alternative cards urban gold kotak credit card: 

  1. Indusind Bank Pioneer Legacy Credit Card (Best for lounge access and movie benefits)
  2. Indusind Bank Nexxt Credit Card (Best for lounge access and movie benefits)
  3. Syndicate Bank Global Credit Card (Best for offering reward points)

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