Apply for Kotak Urbane Gold Credit Card Online
- Spend Rs. 1,00,000* in a year and get 4 free PVR Tickets or 10,000 reward points

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Fee & other Parameters | Urbane Gold Credit Card | |
---|---|---|
Joining Fees | Nil | |
Annual Fees | 199.0 | |
Condition for waiver of Annual Fees - First Year | Annual retail spends of Rs.15,000 | |
Condition for waiver of Annual Fees - Second Year | Annual retail spends of Rs.15,000 | |
Addon card Fees | Nil | |
Interest Charges on outstanding Balances | W.e.f. 01st June 2025, 3.75% (Annualized 45%) | |
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due) | W.e.f. 1st June 2025, MAD is calculated as 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax as applicable, subject to a minimum of ₹100 else up to the TAD amount whichever is lower. |
|
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per ₹ 10,000 or part thereof | Max of (2.5% on advance amount and ₹500) | |
Late Payment Charges ("LPC") | Due as per last statement (INR) | Late Payment Charges (INR) |
<₹100 | 0.0 | |
₹100 - ₹500 | 100.0 | |
>₹500 - ₹5,000 | 500.0 | |
>₹5,000 - ₹10,000 | 600.0 | |
>₹10,000 - ₹25,000 | 800.0 | |
>₹25,000 - ₹50,000 | 1000.0 | |
>₹50,000 | 1200.0 | |
Over Limit Charge | 500.0 | |
Cheque Bounce Charges | 2.0% on bounce amount, subject to minimum of ₹500 | |
Standing Instruction failure / Auto-debit return fee | 2.0% on bounce amount, subject to minimum of ₹450 W.e.f. 1st June 2025, Maximum fee of ₹5,000 |
|
Foreign Currency Mark Up | 3.5% | |
Railway Booking Surcharge Waiver | Not Applicable | |
Fuel Surcharge Waiver | Not Applicable | |
Fee for Cash payment at Bank | 100.0 | |
Outstation Cheque Processing Fee | Waived | |
Reissue/ Replacement Card (per issunace) | 100.0 | |
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 | |
W.e.f. 1st June 2025, following charges will be applicable | ||
Wallet Load and Online skill-based gaming platform | 1% transaction fee on total spends exceeding ₹10,000 per statement cycle | |
Fuel | 1% transaction fee on total spends exceeding ₹25,000 per statement cycle | |
Utility | 1% transaction fee on total spends exceeding ₹35,000 per statement cycle | |
Education | 1% transaction fee on total made via third-party apps (For example: PhonePe, Cred, Mobikwik, etc) Transactions made directly through educational institution websites or their card-swipe machines will not incur this fee |
Disclaimer: Verbiage for Joining Fee (if applicable) will be displayed as Annual Fee on your monthly credit card statement. Thereafter you will be levied Annual Fee (if applicable) as per the most important terms and conditions of your credit card.
Learn more the reward redemption of the Urbane Gold Credit Card.
Explore more credit card options that best suit your needs.
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.
GST and other taxes, as notified by the Government of India, apply to all fees, interest, and other charges and are subject to changes to changes in accordance with the relevant regulations set forth by the Government of India.
For complete details, including all terms and conditions, please read the MITC
Credit card balance transfer is the process of transferring owed balance from one credit card account to another. Upon carrying out this process, the debt is owed to the new card issuer as opposed to the original card issuer.
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.
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