Kotak Urbane Gold Credit Card Review – Benefits, Charges, Eligibility

Kotak Urbane Gold Credit Card

Kotak Urbane Gold Credit Card Review – Urbane Gold is another Fantastic Reward Points-Based card issued by Kotak Mahindra Bank. it is an entry-level card that allows earning rewards on per-day shopping. it comes with Urbane Shield, Milestone Benefits, And Low Annual Maintenance Charges. Moreover, It could be a beneficial card for everyday retail shopping. it offers to Earn 3 Kotak reward points against every ₹100 or Above of retail purchases.

Furthermore, it also supports Additional Kotak bank benefits such as –

  1. Urbane Shield – Credit Card stolen Protection
  2. Add-on Card – Set Spendit Limit & Same Benefits such as primary card
  3. Milestone Feature – when you spend cross 1 lakh in a year. you are eligible to get 4 complimentary PVR Movie tickets or 10,000 reward points
  4. Reward Points – Each Purchase
  5. Easy EMI Facility – Convert Big Purchases
  6. Fast Processing

You can get all these benefits with just annual maintenance charges of ₹199. moreover, it comes with Annual Fees Waiver Feature. you will have to follow a condition to get annual maintenance charges waiver. to be eligible for an annual fee waiver feature, you have to Minimum retail spending of ₹15000 each year by using the urbane gold card.

Through this Article, we will share with you a brief review of the Kotak Urbane Gold Credit Card which can find all solutions to your queries related to the Kotak Urbane Gold Credit Card. for instance, limit, airport lounge access, benefits, charges, eligibility, and more.

The Benefits And Review of the Kotak Urbane Gold Credit Card

Table of Content

Kotak Urbane Gold Credit Card Highlight Factors

Card TypeEntry-Level Kotak Rewards-Based Card
Best SuitableRewards On Retail Shopping, Salaried Person And Self-Employed
Card Benefits &
– First & Second Year Annual Maintenance Fee Waiver Feature
– Urbane Shield For Card Stolen & prevent misuse Protection
– Free Add-on Card
– Easy EMI Convert
– Quick Rewards Redemption
Reward Points or Cashbacks– It offers to earn 3X Kotak Reward Points on Each And Every Retail shopping of ₹100 or Above.
Welcome GiftGet Bonus Reward points up to 2000 on Your 1st Card Swipe
Annual Fee Waiver– Get an Annual Fee Waiver on a Minimum retail purchase of Rs.15000 in a year by using the card
Milestone benefitsif you spent cross ₹1 lakh in the previous year, you can get 4 Complimentary PVR Movie Tickets OR 10,000 reward points As A Milestone gift (Choose One)

What Are The Kotak Urbane Gold Credit Card Offers And Benefits

Kotak Urbane Gold Credit Card offers 2000 bonus reward points on your 1st Card Swipe as a welcome gift. it mainly focuses to offers rewards for daily shopping. it allows getting 3X Reward points on retail shopping. it is an entry-level card for earning rewards on retail purchases upto ₹100.

it is available for those who earn 3 lahks per year. it could be a fantastic card to choose from as per its low maintenance annual charges and 3X Reward points on shopping. Moreover, it also offers an Urbane Shield feature to protect you from preventing misuse of your card and deactivation/blocking immediately.

Milestone Benefits

As a Milestone Gift of using an Urbane Gold Card, If you do shopping upto 1 lakh within 1 Year. it offers Optional Milestone Gifts.

  1. 4 Complimentary PVR Cinema Movie tickets (OR)
  2. 10,000 reward points As A Milestone Bonus

You can choose anyone and redeem it quickly. here are the steps –

  1. If you choose – 4 Complimentary PVR Cinema Movie tickets Milestone Gift – You can visit www.pvrcinemas.com. You will get Star Pass Code to redeem it online process. you can use and watch any movie and show.
  2. If you choose 10,000 reward points Milestone Gift – they will automatically be credited and reflected on your credit card next billing cycle and you can redeem them into various options such as redemption options like Airtickets, Movie Tickets, Mobile Recharge / Branded Merchandise.

Discounts And Reward Points

Reward Points & Cashback On CardExplanation
Online transactions3 reward points on each ₹100 Online Retail spends
Offline transactions3 reward points on each ₹100 Offline Retail spends
Stolen Card Insurance coverYou can use Urbane Shield Feature and you have to immediately call the number 1860 266 2666 Customer Contact Center and report to prevent misuse of your card.
Railway Surcharge WaiverNot Available
Fuel Surcharge WaiverNot Available
Domestic Airport Lounge Access LimitNot Available
International Lounge Access LimitNot Available

Additional Features on Kotak Urbane Gold Credit Card

Additional FeaturesDescription (Details)
Add-on Card– Same Benefits as Primary Credit card
– Age Required 18 Years or Above, Set the spending limit, and Free to apply for Add-On Card
EMI FacilitySimple EMI Converter
Contactless PaymentNo Data

Set Card Control
Use Kotak App for Phones and set limits for your all Kotak credit cards
Foreign Currency Mark up3.5% of the total transaction amount

How to Use Reward Points Redemption

  • Kotak Rewards

Kotak Mahindra Bank offers Kotak Rewards Program to redeem your Earned or Milestone Reward Points. to redeem your Reward points, you must have a minimum of 1000 points to start the process of redemption. The Value of your Urban Gold Reward Point is

1000 reward points = redeemable worth ₹100

Below, we mention the list of various redemption Options that you can use to redeem your points

  • Mobile Recharge
  • Shopping across 10,000 various products,
  • E-vouchers across Different Popular brands,
  • Movies Tickets (BookMyShow Vouchers),
  • PVR Tickets
  • Travel

To check and redeem you can click here to redirect the official reward points redemption of Kotak bank’s website.

  • Pay with Reward Points

You can redeem or use your earned urbane gold credit card reward points by using the Pay with Reward Points option and get the benefit of Pay without cash. Pay without a card.

What Are Card Charges and Fees

List of ChargesOverview
Welcome BenefitsEarn 2000 bonus reward points on your 1st swipe
Annual Fees on The Card– ₹199 Per Year
– Annual Maintenance Waived off on spending ₹15000 within a year
First Year Fee₹199 Per Year
Joining ChargesNo Charges
Finance Fees (Interest Rate) – (Monthly 3.50%)
– (Annualized 42%)
Late Payment FeeBetween of ₹100 to ₹700 will be a late payment fee as per the total Overdue Amount
Replacement Card₹100
Foreign Currency Mark Up3.5%
Add-on cardsNo charges
Over Limit Penalty₹500

What Are the Eligibility Criteria For Urbane Gold Credit Card By Kotak Bank?

The Primary Cardholder Should be a resident of India and have a stable income. the applicant must have aged upto 21 years and 65 years. moreover, you must have a Good Credit Score and The minimum salary required for an Urbane Gold Kotak Card is 3 Lakh Per Year. (ITR Or Salary Slip Bank Maybe will Ask)

Self-Employed, Professionals, And Salaried individuals are eligible for the card. you can visit Kotak Mahindra Bank’s official Website to apply for an urbane gold card.

The card is mainly available in selected cities in India. here is the list –

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Delhi (including Gurgaon and Noida)
  • Hyderabad
  • Kolkata
  • Mumbai
  • Navi Mumbai
  • Pune
Eligibility CriteriaOverview
Only ForSalaried, And Self-Employed
Your Age Must Be For Primary Card 21 years to 65 years
Add-On Card18 years and above
Minimum Salary Requirement3 lakh Per Year
Credit Score750 or Above

Bank will ask you few documents to complete the application process and deliver the card to your registered communication address. The PAN Card And Aadhar Card Must Required. moreover, the bank will maybe ask you ITR Or Salary Slip to verify your income. Below, we mention the list of documents the bank will ask you to complete the KYC For the card.

Airtel Axis Bank Credit Card Eligibility
Kotak Urbane Gold Credit Card Eligibility

Similar Credit Cards to Choose

Credit CardAnnual FeeBest Feature
Kotak League Platinum Credit Card₹499 And GSTGet upto 8 reward points on each ₹150 or above transactions on all selected special categories
Axis Bank Neo Credit Card₹250 And GST Taxes5% Off on Utility Bill Payments on Amazon Pay Services such as Mobile Recharge, DTH, Water, and Electricity Bill Payments
Airtel Axis Bank Credit Card₹500 And Additional taxesThe Cashback of Upto 25% on Airtel Mobile Recharge, WiFi, BroadBand, and Airtel DTH Bill payments (Only Valid on the Airtel Thanks App)
BOB Eterna Credit Card ₹2499 And Additional GST taxesUpto 15 Rewards Points on Shopping from Online Stores
HDFC Freedom Credit Card₹500 and GST10X Cashback Points on Popular online Businesses (on Big Basket, BookMyShow, OYO, Swiggy & Uber) 


What is the Kotak Urbane Gold Credit Card?

Kotak Urbane Gold Credit Card is a Low-maintenance charges entry-level card for individuals. it allows earning rewards on retail shopping. it provides all the additional benefits of Urban Shield, Reward Points, Add-on Card, And Great Milestone Feature. Salaried Persons and Self-Employed can get the card and start earning rewards on daily Retail online/offline shopping. As Already Said, it is an entry-level card, therefore, the minimum salary required for the card is just ₹3 lakh per year and the annual charges are only ₹200.

What Is the Kotak Urbane Gold Credit Card Customer Care Number?

1860 266 2666 you can contact and connect with Kotak Mahindra bank to get information about bank-related information and Kotak bank credit cards.

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