Kotak Mahindra Urbane Gold Credit Card Review

Kotak Mahindra offers several credit cards to cater to the needs of their customers, Kotak Mahindra Urbane Gold Credit Card is one of them, it is a low-cost credit card specially designed for daily uses, this card comes with some attractive benefits like big reward benefit, lost card liability coverage, add-on facility, milestone benefits, etc. more details of the card are given below.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹3 lakh annually. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹3 lakh annually. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • 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
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: ₹199 + GST


  • Reward benefit:

This card offers 3X reward points on every retail spend made with this card. 

You will need a minimum of 1000 reward points to make a redemption. 

  • Lost card liability coverage:

With Urbane shield you are covered with ₹50,000 against lost or stolen cards, to avail maximum benefit of the coverage you have to report the loss as soon as you notice it. 

  • Milestone benefit:

If you can spend ₹1,00,000 in a year with your card, then you will get10,000 reward points or 4 PVR tickets which you can use on any day and for any show. 

You can redeem the reward points against movie tickets, mobile recharge, etc. 

  • Add-on Card:

You can add your loved ones with your card as an add-on member so that they can also enjoy the benefits of having a credit card. 

  • Spend tracker for add on card:

This feature allows you to track the spending of your add-on members, it gives you more control over your account.  

  • Customizable spend limit:

With this feature, you can easily set a limit for each of your add-on members. This feature is very helpful in setting up a monthly budget. 

  • Worldwide acceptance:

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


  • Cash Withdrawal Charge: ₹300 
  • Finance Charge: 3.50% monthly.
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800-266–2666

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you want a low-cost credit card for your daily use to earn reward points, then this card can be a very good option for you. It charges no joining fee and a very low annual fee of ₹199. It offers 3X reward points on the retail spends, ₹50,000 coverage against the lost card, and an opportunity to earn some bonus rewards. So if you need a low-cost card for your daily needs then you can go for this card. 

But if you want to earn more benefits then you can go for Standard Chartered Priority Banking Visa Infinite Credit Card, it comes with no joining or annual fee but offers several exclusive benefits, you can also go for IDFC First Bank Wealth Credit Card

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