Kotak Urbane Gold Credit Card

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Kotak Urbane Gold Credit Card

Get unmatched rewards with Kotak Urbane Gold Credit Card—earn 3x points on every spend, enjoy exclusive benefits, and enjoy a waiver on annual fees.

  • annual fee waiver
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Details for Kotak Urbane Gold Credit Card

Elevate your spending with Kotak Urbane Gold Credit Card—earn 3x points on every transaction, enjoy exclusive rewards, milestone benefits, and a waiver on annual fees for a smarter, rewarding lifestyle.

₹
Joining Fee

0

₹
Annual Fee

0

Lounge Offer

  • No

Reward Points

  • Redeem the earned points for various categories like Movie Tickets, Mobile Recharge, etc. Rewards Points can used to pay your shopping bills through the PayByPoints Program
  • 3x Reward Points per Rs. 100 you spend on all retail transactions

Additional Benefits

  • Reward Benefits
  • Reward Redemption
  • Milestone Benefits
  • Spend based Waiver
  • Credit Shield
  • Insurance Benefits
  • Foreign Currency Markup

pros

  • Accelerates Credit History Building
  • Zero Joining Fees
  • Zero Annual Fee
  • Comprehensive Rewards on Utility Payments and More
  • Robust Purchase Protection
  • Rewarding Benefits and Bonuses
  • Flexible Payment Solutions
  • Flexible EMI Options

Cons

  • Annual Fees Included
  • Absent Annual Fee Waiver
  • No Fuel Surcharge Waiver
  • Absence of Lounge Access
  • No Lifetime Free Card Option
  • Restricted Category Cashback
  • Missing Contactless Payment Features

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