Kotak

Kotak Urbane Gold Credit Card

Apply for Kotak Urbane Gold Credit Card and earn 3 Reward Points per ₹100 spent, plus 4 free PVR tickets on ₹1 lakh annual spends, at a ₹199 annual fee

ShoppingUtility Bills
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Issued by

Kotak

Kotak Urbane Gold Credit Card image
Joining FeeFree
Annual Fee₹199
Income₹25000
Credit Score720

Key Highlights

Shopping

Get 4 Free PVR Movie Tickets Every Year

Spend ₹1,00,000 in a year and take either 4 PVR tickets or 10,000 Reward Points

Get 4 Free PVR Movie Tickets Every Year

Spend ₹1,00,000 in a year and take either 4 PVR tickets or 10,000 Reward Points

Utility Bills

Earn 3 Reward Points on Utility Bill Payments

capped at ₹35,000 in each statement cycle

Shopping

Earn 3 Reward Points on Every ₹100 You Spend

and every 1,000 points are worth ₹100

Earn 3 Reward Points on Utility Bill Payments

capped at ₹35,000 in each statement cycle

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree
Joining Fee OffsetNot Applicable
Annual Fee₹199
Annual Fee WaiverThe annual fee is waived if you spend ₹15 thousand or more in a year on your card, as per bank policy
Estimated Annual Saving₹10000

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.10
Redemption Options
  • Mobile Recharge
  • Shopping
  • E-Vouchers
  • Flight & Hotel Bookings
  • Brands Merchandies 
Earning ExclusionsFuel, Rent, Insurance, Wallet Load, Government Spends, Education Fees, Online Skill-Based Gaming
Spend ExclusionsFuel, Rent, Insurance, Wallet Load, Government Spends, Education Fees, Online Skill-Based Gaming

Benefits

All Benefits

  • 3 Reward Points on every ₹100 of retail spends, earned in multiples of ₹100
  • 4 free PVR movie tickets or 10,000 Reward Points on annual spends of ₹1,00,000
  • interest-free period of up to 51 days

Movie Ticket Benefits

  • 4 free PVR movie tickets on annual retail spends of ₹1,00,000, valid any day and any show, transferable, claimable within 3 months of the milestone period and redeemable online at pvrcinemas.com only

Bank Offer

  • Free add-on cards carrying the same benefits, with a spend limit you set and spends tracked separately for each add-on card

Milestone Benefits

Minimum Spend₹100000
Within365 days
Reward Points Bonus10000

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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