Kotak Urbane Gold Credit Card
Kotak Mahindra Bank · Closed to new applicants
A closed entry rewards card with a ₹199 annual fee (waived at ₹15,000 of yearly spend) that earns 3 reward points per ₹100 on retail spend and gives 4 free PVR tickets or 10,000 points at ₹1 lakh of yearly spend.
- Annual fee
- ₹199 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹15,000 spend per card year
- Base rate
- 3 reward points per ₹100 on retail 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 fuel, rent, wallet loads, education, insurance, government and online skill-based gaming (from 1 Jun 2025)
- No reward points on EMI and cash advances
Terms the calculator does not value
- The milestone is a choice between 4 PVR tickets (up to ₹400 each) and 10,000 points; the points are valued here, the tickets are worth up to ₹1,600 to someone who watches films.
Sources
- Kotak Urbane Gold Credit Card product page, rewards redemption, eligibility and fees tabs (Product page, the bank's own, read 6 Nov 2026)
- Key Fact Statement, Urbane Gold Credit Card (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)