Kotak Mahindra Urbane Gold Credit Card

‘Kotak Mahindra Urbane Gold Credit Card’is specially designed for those people who spent a lot on shopping, and for those who want to earn more reward points. This card comes with a low joining and annual fees and a number of other exciting features like insurance coverage, multiple redemption facility etc.     

  • Eligibility criteria –
  • Nationality – Indian.
  • Age – must be between 21 to 65 years.
  • Income – min ₹ 3 lakh monthly.
  • Occupation – both salaried and self employed can apply.
  • The card is available in only these cities – Noida, Gurgaon, Hyderabad, Mumbai, Pune, Navi Mumbai, Kolkata.
  • A good relation with bank.
  • Documents Required –
  • Proof of Identity –
  • Aadhar Id.
  • Letter from UIDAI.
  • Job Card.
  • Overseas citizen of India card.
  • Driving License
  • Voter Id.
  • Proof of Address –
  • Gas, Electricity or any utility bill. ( recent )
  • Ration card.
  • Passport.
  • Document of property registration.
  • Proof of Income –
  • Recently submitted form 16.
  • Salary slip. (for salaried people).
  • 3 month’s bank statement. (latest)
  • Fees –  
  • Joining fee – None
  • Annual fee – ₹ 199 (could be waved off if more than ₹ 15,000 is spent in a year)
  • Add on fee – None
  • Over limit fee – ₹ 500
  • Benefits – the benefits of ‘Kotak Mahindra Urbane Gold Credit Card’ is stated below –
  • Welcome offer – as a welcome gift you can earn 500 bonus reward points if you spend only ₹ 5000 in first 45 days.
  • Reward points –  this card offers you a chance to win some easy reward points,  with every ₹ 100 online spend you will receive 2 reward points. Also you will receive 1 reward points on each ₹ 100 transactions.
  • Interest free period – with the activation of the card you can  enjoy up to 45 days of interest free period. Also you can withdraw up to 90% of your credit limit.
  • Card loss liability – in case of lost cards you are now covered with up to ₹ 50,000 from kotak Mahindra bank.
  • Fuel surcharge waiver – now you can 1% waves off on fuel surcharge at any petrol station in India.
  • Railway surcharge waiver – you can also have 1.8% waved off on train ticket booking via www.irctc.co.in , and 2.5% at any Indian ticket booking counter.
  • Low interest charge – with this card you can enjoy a lower rate if interest, 2.99% monthly.
  • Spend based reward – if you spend ₹ 75,000 in a year then you can  win up to ₹ 750 cash-back.
  • Credit limit – with this card you can enjoy a credit limit of 80% of your fixed deposit. Your credit limit depends on a number of things like –your CIBIL sore fixed deposit amount etc the bank will let you know your credit limit on the activation of the card.  (maximum credit limit – 12lakh)
  • Reward point redemption – the reward points can be used in those ways –
  • You canuse with those points at some selected stores, flight ticket booking, movie ticket, mobile recharge etc.  
  • You can convert these reward points into cash.
  • You can also make purchase at any branded merchandise with your reward point.

**you need to have minimum 1,000 reward points for redemption.**

  • Milestone benefits – on spending ₹ 1 lakh or more you can win a) 4 free PVR tickets or b) 10,000 bonus reward points.
  • Charges –
  • Cash withdrawal charge – ₹ 100.
  • Card replacement – ₹ 100.
  • Late payment – (in rupees)
  • Up to ₹ 500 – ₹100.
  • ₹ 500 to ₹ 1,000 – 500.
  • Above 10,000 – 700.
  • Overlimit charge – ₹ 500.
  • Foreign currency transaction – 3.5% against the transacted amount.
  • Other benefits –
  • Add on card – now you can let your loved ones to enjoy the benefits of your card, just add them (age ≥18) with your card for free. 
  • 24X7 customer care – in case of any emergency you can contact there service centre any time from anywhere on the world.
  • Balance transfer – you can  now transfer the balance of your other credit cards to ‘Kotak Mahindra Urbane Gold Credit Card’ with just a phone call. And you can enjoy a lower rate of interest. 
  • Spend tracker – now you can track the spends each of your add on(s).

**for more information log on to www.kotak.com **

  • Customer care number –
  • Call –  1800-209-0000


This card comes with a number of reward points and a cash-back offer also it has nill joining and a low annual fee, therefore if you want a card to give you more reward points and cash-backs, then this card is perfect for you. Moreover, it gives you additional card loss insurance, a balance transfer facility, and lots more. So if you have the eligibility then you must hurry and go for it.

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