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Kotak Urbane Gold Credit Card
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Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Joining FeeLifetime FreeRenewal Fee₹199Waived at ₹15,000 annual spend some spends excluded

Last verified: 23 Sept 2026

Reward Program

Kotak Reward Points1 point = ₹0.10

Redemption fee: 0

🔁

Managed via Kotak Rewards portal, Kotak contact centre

Transfer partners

Kotak Rewards catalogue — 1 Reward Point = ₹0.10, stated on the card page as 'Every 1000 reward points have a redeemable worth of Rs. 100'. A minimum of 1,000 points is required. Redeemable against air miles, air tickets, recharges and merchandise.Cash value redemption — 1 Reward Point = ₹0.07, reduced from ₹0.10 with effect from 1 June 2025, with a 2,000-point minimum. The worse of the two channels.

Live Offers

20 active
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Benefits

⛽

Fuel Surcharge Waiver

None. The Kotak MITC lists Urbane Gold among the products NOT eligible for the fuel surcharge waiver, and fuel spend earns no Reward Points either.

Milestone Benefits

Not every spend counts toward these targets — see what is excluded.

Spend ₹1,00,000/year4 complimentary PVR movie tickets, or 10,000 Reward Points₹1,000 total by this tier · 1.00% effective rate

Reward Calculator

Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.

What this card is worth

Open a section and enter what you actually spend. Everything updates as you type.

Fees & Charges

Joining FeeLifetime Free
Renewal Fee₹199/yr
Fee WaiverSpend ₹15,000/year
Not all spends count
Forex Markup3.5%
Interest Rate45% p.a.
Cash Advance Fee2.5% of the advance amount, subject to a minimum of ₹500.
Reward Redemption Fee0

Spends That Don’t Count

Kotak leaves these categories out when totalling your spend. They still earn rewards where the card pays on them — they just do not move you toward the target below.

Excluded from the fee waiver

Toward the ₹15,000/year waiver

  • EducationCoaching, College fees, Online courses, School fees
  • Everything elseRent, Society maintenance, Tax and government fees, Wallet top-ups
  • Getting aroundFuel
  • InsuranceHealth, Motor, Other cover
  • SubscriptionsGaming
  • TravelForex card loads
  • UtilitiesBroadband, DTH or cable, Electricity, Mobile recharge, Piped gas, Water

Excluded from milestone spends

Toward the milestone targets above

  • EducationCoaching, College fees, Online courses, School fees
  • Everything elseRent, Society maintenance, Tax and government fees, Wallet top-ups
  • Getting aroundFuel
  • InsuranceHealth, Motor, Other cover
  • SubscriptionsGaming
  • TravelForex card loads
  • UtilitiesBroadband, DTH or cable, Electricity, Mobile recharge, Piped gas, Water

In the News

Priya Menon · 12d ago

Kotak Urbane Gold Credit Card Review 2026: Flat 3 Points per ₹100, 4 PVR Tickets, Fees & FAQs

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