Management Co. Ltd. Kotak Securities Ltd.
- Institutional Equities KMCC - Investment Banking KIAL - Private Equity KIAL - Realty Fund KMPL - Car loans KMIL - LAS, CRE & Corporate loans Kotak General Insurance
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Get 3x reward points on every Rs. 100/- spent, and redeem reward points against any of your purchase with your Urbane Gold Credit Card.
Kotak Credit Cards symbolize the following guiding principles:
Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
Kotak Credit Cards are transparent in communicating upfront what the Card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this Card.
Kotak Credit Cards have understood what you need the most from your credit Card, and have been designed to give you only those benefits that are most relevant for you.
This promise from Kotak ensures that you only get the best from your credit Card!
The Kotak Urbane Credit Card gives you accelerated reward points and the freedom to redeem these points across any shopping that you do.
With Urbane the cardholders earn 3 reward points for every Rs.100 spent .Cardholders can redeem their reward points online at www.kotakcards.com/rewardredemption for a host of benefits like Movie tickets, Air tickets, Air miles, Cash and more .
Yes, you enjoy an interest free period on retail transactions of up to 48 days.
The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal.
The interest applicable to you is 3.50% per month.
A Mark up is charged to the tune of 3.5% every time you do an international transaction. Cash and Retail transactions will both attract a Mark up.
If your transactions cross 100% of your credit limit, you will be charged a flat over limit fee of Rs 500 in each billing cycle that you are over limit.
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Yes, Add-on Cards are available on Urbane Card.
Yes, all the Urbane Card features can be availed by the Add-on Card holder.
Please call our Banking helpline numbers to check your Credit Card application status .Alternatively, you can log onto www.kotakcards.com and click on application status on the top right hand corner. Please keep your application reference number handy.
The Urbane Reward program allows you to earn 3 reward points on every Rs.100 spent. You can earn reward points across all your retail spends.
Every 1000 reward points will continue to have a redeemable worth of Rs.75.
Accumulate your reward points and redeem with host of redemption options like Air tickets, Mobile Recharge, 10,000 merchandise and much more through easyrewards with easy points.
A minimum of 1000 reward points are required for redemption.
Points will expire after two years from the date they are earned.
Sorry! Once you have made your redemption request, your request cannot be cancelled.
Every 1000 reward points have a redeemable worth of Rs.75.
No, there is no limit on the maximum number of points that you can redeem. You may choose to redeem all your reward earned on your Kotak Urbane Credit Card.
If you haven't found the answer to what you were looking for, please send us your query
On the Kotak Credit Card the insurance cover is for Lost/stolen card /fraudulent charges provided by HDFC ERGO General Insurance Company.
If your credit card is lost or stolen, HDFC ERGO General Insurance Company will reimburse the unauthorized charges on your lost or stolen card, up to 7 days prior to your first reporting the event to Kotak Credit Card Customer Care.
Insurance is provided on both the primary card and the add-on/supplementary cards. We recommend that you read the Most Important Terms and Conditions and Cardholder Agreement for further details.
HDFC ERGO General Insurance Company will not pay for any expenses or loss for:
The sum insured is Rs.25,000.00 / 50,000.00 / 75,000.00 / 2,50,000.00 per annum for Silver, Gold, Platinum/Titanium and Signature cards respectively.
Please submit the following mandatory documents to HDFC ERGO within 7 days from day of event / loss
to register your claim -
The Claim form and Dispute form can be downloaded from www.kotakcards.com. The settlement of the claim registered by you will be subject to approval of the claim by the Insurance Company after independent investigations and shall be limited to the eligible insurance amount as per your card type as mentioned. Kotak Credit cards will not be responsible for any disputes arising out of any claims. All claims will be directly handled by HDFC ERGO General Insurance Company.
If the insurance claim is approved by the Insurance Company the disputed transaction amount[s] would be credited to your card account, subject to the eligible insurance amount. In case the disputed amount exceeds the eligible claim amount you shall be liable to pay for the excess amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.
In case if you fail to register your claim with the Insurance Company or if your claim is rejected by the Insurance Company you will be liable to pay the amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.
You can choose from the below redemption options:Redemption Option 1:
To track your spends and claim your benefit visit Click here
For details and terms and conditions Click here
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.
Please note: For redemption against Airline tickets / Merchandise / Mobile recharge,Reward Points have to be converted to EasyPoints. 5 Reward Point = 1 Easy Points.