What is the annual fee for Kotak Urbane Gold Credit Card?

The annual fee is ₹199. This fee is waived if you spend ₹1 lakh or more in a calendar year, making it effectively free for regular users.

How to apply for Kotak Urbane Gold Credit Card?

You can apply online through Kotak Mahindra Bank's website or through OnePaisa's comparison platform for quick approval. Ensure you meet the bank's eligibility criteria before applying.

What rewards does Kotak Urbane Gold Credit Card offer?

You earn 3% reward points on all spends. Additionally, spend ₹1 lakh annually to unlock either 4 free PVR movie tickets or 10,000 bonus reward points as a welcome benefit.

What are the eligibility criteria for Kotak Urbane Gold Credit Card?

Eligibility criteria are not specified in the card details. We recommend checking Kotak Mahindra Bank's official website or contacting their customer service for current income, age, and credit score requirements.

Does Kotak Urbane Gold Credit Card offer airport lounge access?

Lounge access details are not specified for this card. Check with Kotak Mahindra Bank directly to confirm if complimentary lounge visits are included as a benefit.

Is Kotak Urbane Gold Credit Card worth it?

It's worth considering if you're an entertainment enthusiast who spends regularly. The 3% reward rate is competitive, the annual fee is waivable, and the PVR ticket benefit adds real lifestyle value for movie lovers.

Credit Cards

LifestyleMidVisa

Kotak Urbane Gold Credit Card

Entertainment rewards for everyday urban spenders

Annual fee₹199Waived on ₹0.1L spend

Rewards3.00%3 Reward Point per ₹100

Forex markup3.5%

No longer offered

Kotak Mahindra Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Not open to new applicants · kept here for reference

Independent comparison platform. Not affiliated with Kotak Mahindra Bank. Full disclaimer

Welcome benefits

Spend ₹1,00,000 in a year and get 4 free PVR tickets or 10,000 reward points

Rewards

Base earn rate

Earn 3 reward points against every ₹100/- of retail spends

Kotak Rewards

Excludes: Utility Spends Above ₹35,000 Per Statement Cycle (W.E.F. 01st June 2025), Wallet Load (W.E.F. 01st June 2025), Fuel (W.E.F. 01st June 2025), Online Skill-Based Gaming (W.E.F. 01st June 2025), Insurance (W.E.F. 01st June 2025), Government (W.E.F. 01st June 2025), Rent (W.E.F. 01st June 2025), Education Spends (W.E.F. 01st June 2025)

• Minimum redemption: 1000 points

Milestone benefits

Spend Rs. 1,00,000 in a year and get 4 free PVR tickets or 10,000 reward points. Redemption Option 1: PVR tickets can be used for any day and any show and are transferrable. Star Pass Code will be issued which can be redeemed for online PVR Movie Ticket booking at www.pvrcinemas.com. You can claim your PVR tickets within 3 months after the program period gets over. Redemption Option 2: Reward points will be credited in the next billing cycle. Reward points can be used for a host of redemption options like Airtickets, Movie Tickets, Mobile Recharge / Branded Merchandise. You can claim your reward points within 3 months after the program period gets over. If price of the ticket is more than Rs. 400, the difference amount shall be paid by the cardholder along with booking/convenience fees. PVR tickets will not be applicable for customers who fall under non - PVR location city. PVR movie tickets can be redeemed online only on www.pvrcinemas.com. PVR movie tickets cannot be redeemed at Box office. Effective 1st June 2025, Spends on Utility, Wallet Load, Fuel, Online skill-based gaming, Insurance, Government, Rent, Education will not be considered when calculating milestone benefits. For milestone benefits, all transactions settled during milestone period will be considered. Example- Milestone period is 1st Jan 2021 to 30th June 2021, then the transactions settled till 30th June 2021 will be considered for milestone benefits. Any transaction settled after 30th June 2021 will be considered in next milestone period.

Fees & charges

Joining fee: Nil
Annual / renewal fee: ₹ 199
Annual fee waiver: Minimum retail spends of ₹ 15,000 in a year
Add-on card fee: ₹299
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 48 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 0%, min ₹500
Payment dishonour: ₹500
Forex markup: 3.50%
DCC markup: 3.50%
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹400/cycle

View official MITC →

Eligibility

Income (salaried): Rs. 3 lac and above per annum
Age: 21–60 years

Features

Additional features

Pay with Reward Points

No rewards on

Utility Spends Above ₹35,000 Per Statement Cycle (W.E.F. 01st June 2025) · Wallet Load (W.E.F. 01st June 2025) · Fuel (W.E.F. 01st June 2025) · Online Skill-Based Gaming (W.E.F. 01st June 2025) · Insurance (W.E.F. 01st June 2025) · Government (W.E.F. 01st June 2025) · Rent (W.E.F. 01st June 2025) · Education Spends (W.E.F. 01st June 2025)