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Kotak Urbane Gold Credit Card
visagoldcredit

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

shopping

Annual Fee

₹199

Joining Fee

Nil

Base Reward

3% points

Foreign Markup

3.5% on all foreign transactions.

Fee Waiver

Get the annual fee waived on spending Rs. 15,000 in the previous year.

Interest Rate

3.5% per month (or 42% annually).

Product Highlights

  • 3x Reward Points per Rs. 100 spent
  • Free PVR Tickets or Bonus Reward Points as Milestone benefit
  • Insurance coverage for a lost card
  • Add-on card facility available

Rewards

Earn 3x Reward Points per Rs. 100 spent on all retail transactions. Redeem points for Movie Tickets through BookMyShow or PVR, Mobile Recharges, shopping vouchers, Air Tickets, etc.

Redemption

1000 Reward Points = Rs. 100.

Benefits & Features

Insurance cover for a lost or stolen card. Credit shield of Rs. 50,000 for unauthorized transactions up to 7 days prior to reporting.

Fees & Charges

Annual Fee₹199
Joining FeeNil
Fee WaiverGet the annual fee waived on spending Rs. 15,000 in the previous year.
Foreign Markup3.5% on all foreign transactions.
Interest Rate3.5% per month (or 42% annually).
Cash AdvanceRs. 300 per Rs. 10,000 withdrawn.

Eligibility

Min Age

21 years

Max Age

65 years

Min Income (Salaried)

₹3,00,000

Available Networks

visa

Pros & Cons

Pros

  • No joining fee
  • 3x reward points on all retail spends
  • Milestone benefits of PVR tickets or reward points

Cons

  • Annual fee of Rs. 199
  • No fuel surcharge waiver

Partner Merchants

BookMyShowPVR