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Frequently Asked Questions

Why should I select a Kotak Credit Card?

Kotak Credit Cards symbolize the following guiding principles:

Simplicity

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.

Transparency

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.

Relevance

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!

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Why should I choose an Urbane Card? Are there any specific benefits that I get?

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 .

 

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Do I enjoy any interest free period on retail?

Yes, you enjoy an interest free period on retail transactions of up to 48 days.

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Do I enjoy any interest free period on cash?

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.

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What is the interest Rate that is applicable to me?

The interest applicable to you is 3.50% per month.

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