Kotak UPI RuPay Virtual Credit Card
Kotak Mahindra Bank · Open to apply
A lifetime-free virtual RuPay credit card for people who already hold a Kotak credit card: 3 reward points per ₹100 on UPI and on regular spends, worth ₹0.10 each, with no points on rent, fuel, wallet loads, education, railway, insurance, government and gaming.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 3 reward points per ₹100 on UPI and regular spends: 3 Reward Points per ₹100 (about 0.21% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No reward points on rent, fuel, wallet loads, education, EMI and balance transfers
- No reward points on railway bookings
- No reward points on insurance, government and online skill-based gaming (from 1 Jun 2025)
Sources
- Kotak UPI RuPay Credit Card product page, features, rewards redemption, eligibility and fees tabs (Product page, the bank's own, read 6 Nov 2026)
- Key Fact Statement, Kotak UPI RuPay Credit Card (KFSKUR12032026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Kotak Mahindra Bank credit card MITC (updated 3 Nov 2026, KOTMITC/11/2026/Version 3) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- List of MCCs for the revisions in fees and features from 1 May 2025 (Reward terms, the bank's own, read 6 Nov 2026)