Be it an article you were reading, a product you were exploring or a journey you left unfinished, starting from where you left off is simpler than you can imagine. Just register for ‘Everything Me’ using any of your social media accounts and you are all set.
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We know you love to get more out of your money. With Urbane Gold Credit Card, you will get just that with 3x reward points on every Rs. 100 spent. So start shopping and reward yourself, today!
Earn 3x Reward Points
Free PVR tickets or reward points
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.
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|Fee & other Parameters||Urbane|
|Annual Fees||Rs. 199|
|Condition for waiver of Annual Fees - First Year||Minimum retail spends of Rs.15000 each year|
|Condition for waiver of Annual Fees - Second Year||Minimum retail spends of Rs.15000 each year|
|Addon card Fees||Nil|
|Interest Charges on outstanding Balances||3.50% (Annualized 42%)|
|Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)||MAD can be 5% or 10% of TAD as decided by the Bank|
|ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof||Rs. 300|
|Late Payment Charges ("LPC")||Rs. 100 for statement o/s less than or equal to Rs. 500.|
|Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000.|
|Rs. 700 for statement o/s greater than Rs. 10,000)|
|Over Limit Charge||Rs. 500|
|Cheque Bounce Charges||Rs. 500|
|Foreign Currency Mark Up||3.5%|
|Railway Booking Surcharge (1.8%/2.5% on transaction amount)||Applicable|
|Fuel Surcharge (1% on transaction)||Applicable|
|Fee for Cash payment at Bank||Rs. 100|
|Outstation Cheque Processing Fee||Waived|
|Reissue/ Replacement Card (per issunace)||Rs. 100|
|Charge Slip Request||Waived|
|Machine Surcharge at ATMs||Waived|
|Balance Enquiry Charges at Non Parent Bank ATM||Waived|
|Duplicate Statement Request||Waived|
|Web Pay Service Fee||Waived|
|Furnishing a copy of Credit Information Report (CIBIL)||Rs. 50|
|GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your 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.
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.
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