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 second credit card. This card is also very good at offering reward points and a number of useful tools and features that will make your life easier. This card works on the Visa platform and it charges a relatively lower annual fee of just Rs. 199. More details of the card are discussed below.

Kotak Bank Credit Card Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 3 lakh annually. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 3 lakh annually. 
  • A good CIBIL Score (750 or more)is required to apply for this card.

You can apply for this card from the kotak bank credit cards online application portal. As you submit your application, you will get a unique application id, you can use it to track the status of your application from the kotak bank credit card status tracking page.

Documents Required To Apply For Kotak Mahindra 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. 

To enhance the security of your card during shipment, all new kotak credit cards are delivered in an inactive state. The users can activate them manually by generating a new credit card PIN. You can find more about the kotak bank credit card PIN generation process from the 100xgain faq page.

Kotak Urbane Credit Card Annual Charges:

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

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, pay travel booking fees, 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. 

  • Complementary lost card liability coverage to stan for you in unfortunate events:

With Urbane shield, you are covered with Rs. 50,000 against lost or stolen cards. So if your 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 account. 

  • 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.

  • Lifetime free add-on cards for your loved ones:

You can add your loved ones with your kotak mahindra bank credit card as add-on members so that they can also have the convenience and benefits of having a credit card.  

  • Manage your account more conveniently with an advanced spend tracker tool:

This credit card feature allows you to track the spending of your add-on members, providing you with more control over your Kotak urbane credit card account. You can also set a monthly spend limit for each of your add-on members. 

  • Pay your credit card bills conveniently with multiple 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 branch.

  • Use your card anywhere in the world without restrictions:

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

Kotak Urbane Credit Card Charges:


Payable amount

Kotak Urbane Credit Card Cash Withdrawal charges

Rs. 300 for every Rs. 10,000 withdrawal (applicable once per withdrawal, you should also check your available Kotak credit card limit before making a withdrawal)

Finance Charge

The Kotak credit card interest rate can go up to 3.50% monthly

Kotak bank credit card charges on currency conversion

3.5% against the transaction amount

Add-on card fee


Kotak Credit Card Customer Care Contact Details:

  • 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 Kotak Mahindra Urbane Gold Credit Card:



  • You will get 3X Kotak credit reward points for each transaction.
  • This Kotak urbane 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 card.
  • If you want to earn benefits then this card will not be a good option for you.

Final Opinion:

If you are new in the credit market and looking for a credit card 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 card offers some very attractive features like lost card liability coverage, lifetime free add-on cards, spend tracker tool, 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 top 10 credit card pages to find your choice. And if you want to compare some alternative card options, then take a look at the alternative card options given below.

Alternative Cards: 

  1. Bajaj Finserv RBL Bank World Prime SuperCard (Best for lounge access and reward benefits)
  2. Indusind Bank Pioneer Legacy Credit Card (Best for lounge access and movie benefits)
  3. IndusInd bank nexxt credit card (Best for lounge access and movie benefits)
  4. Syndicate Bank Global Credit Card (Best for offering reward points)

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