Kotak Urbane Gold Credit Card
Kotak Mahindra Bank · Reward Points · Reward Points
This comprehensive guide covers the Kotak Urbane Gold Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Kotak Urbane Gold Credit Card from Kotak Mahindra Bank offers reward points rewards redeemable as reward points. Top earning categories include 4x reward points on dining and movies and more. Annual fee is ₹1,000 (waived on spends of rs. 1,00,000 per year).
Best for: Dining, Entertainment, General Online, Electronics Accessories
Official product page → Official rules →
Waiver: Waived on spends of Rs. 1,00,000 per year
Reward Rules
- 4 pts/$100 4x Reward Points on dining and movies
- 1 pts/$100 1x Reward Point on all other spends
Important Notes
- Well-rounded card with dining, movies and fuel benefits.
- 2 domestic airport lounge visits per quarter.
- Fuel surcharge waiver.
- Buy 1 Get 1 movie ticket offer included.
- Annual fee waived on spends of Rs. 1L per year.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Kotak Urbane Gold Credit Card vs Similar Cards
- Axis Bank Magnus Credit Card — Reward Points · ₹10,000
- Axis Bank Magnus Burgundy Credit Card — Reward Points · ₹12,000
- Axis Bank MyZone Credit Card — Reward Points · ₹500
Maximize Your Rewards
To earn the highest rewards, use the Kotak Urbane Gold Credit Card for its bonus categories: Dining, Entertainment, General Online, Electronics Accessories, Grocery.