Apply Kotak Mahindra Urbane Gold Credit Card – Benefits, Eligibility, Cashbacks, Rewards

Do you want to apply for Kotak Mahindra Urbane Gold Credit Card?. Then you are on the right page. In the previous article, we have given complete details about HDFC EasyShop NRO Debit Card. In this article, we have given you all the information for the Kotak Mahindra Urbane Gold Credit Card details like its benefits, eligibility, required documents, annual fee & joining fee, etc., People who are interested to apply for the Urbane Gold Credit Card has to check the offers  like welcome gifts, reward points, cashback offers, movie offers and shopping offers given by this card. Also, know how to apply for the Kotak Mahindra Urbane Gold Credit Card.

About Kotak Mahindra Urbane Gold Credit Card

Kotak Mahindra Urbane Gold Credit Card is one of the best credit cards suitable for your financial needs and luxuries, also maximizes your saving transaction. By using this Credit Card, you will get 3x reward points on every Rs. 100 spent. After an immediate shopping by this card, you earn reward points. Some other benefits like Urbane Shield, free PVR tickets or reward points and Add – on – Card benefits.

Card NameKotak Mahindra Urbane Gold Credit Card
BankKotak Mahindra
Card TypeCredit Card
Credit Usage Limitup to 2 lakhs
Cash Usage Limit10,000 daily
Annual Charges199
Reward PointsEarn edge rewards on every transaction.
International UsageNo
Official WebsiteClick here

Features and Benefits of Kotak Mahindra Urbane Gold Credit Card

  • Earn Reward Points on every spent.
  • Urbane Shield is given for this credit card
  • Add-on Card benefits with Kotak Mahindra Urbane Gold Credit Card.
  • By using this card you can earn Milestone benefits.

Fee & Charges

Kotak Mahindra Urbane Gold Credit Card fees and charges as follows.

Fee & other ParametersUrbane
Joining FeesNil
Annual FeesRs. 199
Condition for surcharge waiver of Annual Fees – 1stminimum retail spends of Rs.15000 each year
Condition for waiver of Annual Fees – 2ndminimum retail spends of Rs.15000 each year
Interest Charges on outstanding Balances3.50% (Annualized 42%)
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereofRs. 300
Addon Card FeesNil
Minimum Amount Due (MAD) (It will reflect in a statement in a column of the minimum amount due)MAD can be 5% or 10% of TAD as decided by the Bank
Over Limit ChargeRs. 500
Cheque Bounce ChargesRs. 500
Foreign Currency Mark Up3.5%
Railway Booking Surcharge (1.8%/2.5% on transaction amount)Applicable
Fuel Surcharge (1% on the transaction)Applicable
Fee for Cash payment at BankRs. 100
Outstation Cheque Processing FeeWaived
Reissue/ Replacement Card (per issuance)Rs. 100
Charge Slip RequestWaived
Machine Surcharge at ATMsWaived
Balance Enquiry Charges at Non-Parent Bank ATMWaived
Duplicate Statement RequestWaived
Web Pay Service FeeWaived
Furnishing a copy of Credit Information Report (CIBIL)Rs. 50

Kotak Mahindra Urbane Gold Credit Card Eligibility

  • For Kotak Mahindra Urbane Credit card you must be a primary cardholder and should be at the age of 21 –  65 years.
  • For add-on cardholder, the minimum age should be 18 years and above
  • Location – Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai, and Pune
  • Your Income must be above Rs. 3 lakhs per annum
  • Applicant must be a resident of India
Welcome gifts
  • Spend one lakh in a year and get Four free PVR tickets or 10,000 reward points.
  • Also, get 2000 bonus reward points on your 1st swipe
Cashback & Reward points
  • Earn 3X reward points against every Rs. 100/- of retail spends
  • For every 1000 reward points have a discount worth of Rs. 75/-
  • Minimum 1000 points required for redemption.
  • Your Reward points will be credited in the surcharge wavier
  • This Reward points can be used for a host of redemption options like Air tickets, Airmiles, Mobile Recharge,  Movie Tickets /shopping.

How to Apply for Kotak Mahindra Urbane Gold Credit Card – Application Process

To apply for the Kotak Mahindra Urbane Gold Credit Card just follow the below instructions.

  1. First, you have to visit the Kotak Mahindra bank.com
  2. Next, you have to click on Kotak Mahindra Urbane Gold Credit Card there you find the Apply Now button click on it.
  3. Then an application form is opened in that you have to fill the details like your name, mobile no, customer-id given by the Kotak Mahindra Bank.
  4. Next, you have to click on Proceed and submit the form.
  5. If you have any doubts regarding the card just contact your nearest branch for more details.

Card Reviews

Baripada – India

Hi friends, I am using this card for one year. When I got a visa credit card just thankful to them because of there good quality services. Now I could purchase anything from anywhere without giving real money to shopkeepers. I went to the mall or to a restaurant without taking real money in my purse.

Javed Hussain – Pune

I am holding a Kotak URBAN credit card. The limit offered by them was very less as they did not ask for any details when they have a lot of rules and regulations. They have offered me a limit of 20, 000. I did not face any issues with them. This card was issued as a complimentary credit card along with an existing bank account.

Contact Details

Customer care: 1860-266-2666 or, 1860-266-0811

Kotak Mahindra Urbane Gold Credit Card is one of the best credit card loaded with reward points and cashback offers on shopping. Also, know about the Kotak Mahindra Urbane Gold Credit Card details like its features, eligibility and required documents. Still, if you have any queries regarding this card comment below. Don’t forget to share this article with your friends.

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