What are the main benefits of the Kotak Urbane Gold Credit Card?

The Kotak Urbane Gold Credit Card offers 3 reward points per Rs. 100 spent on retail, a milestone benefit of PVR tickets or bonus points, and no joining fee.

How can I waive the annual fee for my Kotak Urbane Gold Credit Card?

The annual fee of Rs. 199 for the Kotak Urbane Gold Credit Card can be waived by spending Rs. 15,000 in the preceding year.

What are the reward points for the Kotak Urbane Gold Credit Card?

With the Kotak Urbane Gold Credit Card, you earn 3 reward points for every Rs. 100 spent on all your retail transactions.

What is the milestone benefit on the Kotak Urbane Gold Credit Card?

Spend Rs. 1,00,000 annually on your Kotak Urbane Gold Credit Card to choose between 4 free PVR tickets or 10,000 bonus reward points.

Are there any charges for foreign currency transactions on the Kotak Urbane Gold Credit Card?

Yes, the Kotak Urbane Gold Credit Card has a foreign currency markup of 3.5% plus applicable taxes on international spends.

How do I redeem reward points from my Kotak Urbane Gold Credit Card?

You can redeem points from your Kotak Urbane Gold Credit Card for movie tickets, mobile recharges, shopping vouchers, and more via kotakcards.com/rewardredemption or PayByPoints.

Does the Kotak Urbane Gold Credit Card offer any insurance benefits?

Yes, the Kotak Urbane Gold Credit Card provides a Credit Shield worth Rs. 50,000 for unauthorized transactions up to 7 days prior to reporting a lost or stolen card.

What are the major changes to rewards on the Kotak Urbane Gold Credit Card effective June 2025?

Effective June 2025, reward earnings on the Kotak Urbane Gold Credit Card will be discontinued for fuel, utility (beyond ₹35k), wallet load, and other specific categories.

What is the cash value of reward points for the Kotak Urbane Gold Credit Card?

Currently, 1000 reward points are worth Rs. 100. Effective June 2025, 1 reward point will be equivalent to ₹0.07 for cash redemption.

What is the interest-free period on the Kotak Urbane Gold Credit Card?

The Kotak Urbane Gold Credit Card offers an interest-free period of up to 48 days on retail transactions.

Kotak Mahindra Bank

Kotak Urbane Gold Credit Card

ShoppingMovies

Last updated: 30 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

No specific welcome benefits are explicitly mentioned upon card issuance.

Rewards Rate

Earn 3 reward points for every Rs. 100 spent on all retail transactions.

Reward Type

Reward Points

Reward Redemption

Redeem points for movie tickets, recharges, vouchers, air tickets, or branded merchandise. PayByPoints program available.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

A Credit Shield worth Rs. 50,000 is provided for a lost or stolen card.

Movie

Milestone benefit offers 4 free PVR tickets or 10,000 bonus reward points on annual spends of Rs. 1,00,000.

Dining

Not Applicable

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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