Apply for Kotak Urbane Gold Credit Card Online

We know you love to get more out of your money. With Urbane Gold Credit Card, you will get just that with 3 reward points on every Rs. 100 spent*. So start shopping and reward yourself, today!

• Reward Points
  • Earn 3 reward points against every Rs. 100/- of retail spends
  • Every 1000 reward points have a redeemable worth of Rs. 100/-
    
  • Minimum 1000 points required for redemption

  Please note, w.e.f. 01^st June 2025, the following changes will be applicable:

  Reward points can be only earned on utility spends up to ₹35,000 per statement cycle

  Reward points earnings against Wallet Load, Fuel, Online skill-based gaming, Insurance, Government,

  Rent, Education spends will be discontinued

  Cash Value for redemption will be revised from ₹0.10 to ₹0.07 per reward point, and a minimum of 2,000 reward points will be required for cash value redemption. For redemption against other categories like voucher, Shopping, etc., 1 reward Point = ₹0.10

  The aforementioned revisions will be based on the Merchant Category Codes (MCCs), which are 4-digit numbers assigned to merchants or businesses by card networks such as VISA, MasterCard, and RuPay. Click here for the list of applicable MCCs.

• Add-on Card
  • Your Add-on Card will have all the benefits that you enjoy on your Card
  • Set the spend limit on your Add-on Card as you desire
  • Track spends separately for each of your Add-on Card(s)
• Milestone Feature
  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 1^st 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 1^st Jan 2021 to 30^th June 2021, then the transactions settled till 30^th June 2021 will be considered for milestone benefits”. Any transaction settled after 30^th June 2021 will be considered in next milestone period.

Check your eligibility for the Urbane Gold Credit Card.
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*Terms and Conditions apply

Important Notification: Please note that effective 9th October 2012, your Milestone program benefit has changed from 1 free IndiGo ticket to 4 free PVR tickets.