How Does Kotak Urbane Credit Card Help in Getting More Out of Your Spends?

Everybody hopes to get more out of the money they spend on different stuff. But have you ever thought of the way by which you can achieve this? Well, there is one way – by using the right credit card. When you choose the right credit card for you, it lets you get more out of each penny you spend. But your choice in this matter becomes very important. And when you will look for the options around, you are bound to lose your mind because there are so many credit cards being offered by the lenders. 


But don’t worry, we are here to make this a bit easy for you. We will be telling you about one such credit card which can be a perfect choice for you. And that is none other than the Kotak Urbane Credit Card. Offered by one of the leading private banks of India, this is one of the most amazing credit cards available in the current market. Amazing features such as reward points program, movie tickets and many more make this card a perfect choice for you. 


In this article, we would be telling you about some of the privileges and benefits that you can get from this credit card from Kotak Mahindra Bank so that you can make a better decision. Keep reading!


Let’s have a look at some of the exquisite features of Kotak Urbane Credit Card –


  • With your Kotak Urbane Credit card, you can thrive on the reward points you get on your spending. You could get 3X reward points on your every retail spends of INR 100.
  • You will have to earn a minimum of 1000 reward points in order to redeem them. Every 1000 points are worth INR 75 when redeemed. 
  • With all the reward points you would collect, there will be no need to carry your card or cash with you as you can even pay with your reward points. 
  • With the Urbane Shield program of Kotak Mahindra, you will be saved from any fraudulent activity in case your card is stolen. If you manage to pre-report the loss of your card within 7 days of missing it, you will get a cover upto INR 50,000.

Milestone Achievement:


  • As the name suggests, this gift will be available to you on achieving a certain milestone. Like if you will be able to spend INR 1,00,000 in a year, then you will be getting 4 complimentary PVR Tickets or 10,000 reward points. 
  • Both offers have different redemption methods. Like in the case of PVR Tickets, they will be valid for a period maximum of 3 months, while the reward points can be transferred to the next billing cycle and can be redeemed for various options such as Airtickets, Air Miles, Mobile Recharge, merchandise, and many more with your Kotak Urbane Credit Card. 


What are the Fees on Kotak Urbane Gold Credit Card?


You will be happy to hear that there is no joining fee for this card. You will only have to pay INR 199 as the annual fee on this credit card. You can get your annual fee waived off by spending INR 15,000 in the previous year. 


Am I eligible for Kotak Urbane Credit Card?


Well, you can check your eligibility by yourself by having a look at the below-mentioned conditions.


  • The applicant must be in the age bracket of 21 to 65 years of age. Add-on cardholder can be of 18 years of age or above.
  • The applicant’s annual income must be INR 3 lakhs or above. 
  • The applicant must be an Indian resident.
  • The applicant must be residing in either of cities from Bangalore, Chennai, Ahmedabad, Delhi (which includes Gurugram and Noida too), Mumbai, Kolkata, Hyderabad, Pune, and Navi Mumbai.