Credit Cards/Kotak Mahindra Bank/Kotak UPI RuPay Credit Card

Kotak UPI RuPay Credit Card

Kotak UPI RuPay Credit Card

Kotak Mahindra Bank

4.6

Expert Rating

Restaurants and food deliveryE-commerce marketplacesTravel and ticket bookingsUtility and bill paymentsLocal shops with UPI QR codesGrocery stores
Annual Fee

₹0

Joining Fee

₹0

Forex Fee

3.5%

Lounge Access

No lounge access

Kotak UPI RuPay Credit Card is a lifetime free virtual credit card designed for everyday UPI payments and online shopping. You can link the card to popular UPI apps and pay by scanning QR codes while still enjoying credit card rewards. Earn reward points on eligible UPI and card spends without worrying about joining or annual fees. This card is ideal for Indians who want a simple, low-cost way to earn rewards while going cashless and cardless.

Features of Kotak UPI RuPay Credit Card which makes it unique

Freedom From Plastic

A fully digital RuPay credit card that lives on your phone instead of your wallet.

Lower risk of card loss and easier management through the Kotak app.

More app-driven and UPI-focused than many traditional entry-level cards.

Seamless UPI QR Payments

Use a single virtual card for QR-based UPI payments across supported apps and merchants.

Earn reward points on eligible UPI transactions while keeping your bank account balance untouched.

Combines UPI convenience with credit card rewards on the RuPay network.


Rewards Structure of Kotak UPI RuPay Credit Card

UPI Spends

accelerated

Eligible merchant UPI payments made using linked Kotak UPI RuPay Credit Card on supported UPI apps.

Reward Rate:3 Reward Points per ₹100 spent
Monthly Cap:Subject to card-level and UPI transaction limits as defined by the bank and NPCI.

UPI payments earn reward points similar to regular credit card swipes on eligible categories.

Card Swipes And Online Spends

base

Retail transactions made online or at POS terminals in India, excluding restricted categories.

Reward Rate:3 Reward Points per ₹100 spent
Monthly Cap:No explicit monthly cap disclosed; standard bank terms apply.

Reward points are accrued on most everyday spends such as shopping, dining, travel and utilities.

Fuel, Wallet Loads And Restricted Categories

base

Fuel, wallet loading, rent, education, government payments and other categories treated as restricted by the bank.

Reward Rate:No Reward Points
Monthly Cap:Not applicable as rewards are not earned on excluded categories.

These spends may still be allowed for payment but usually do not earn reward points and may attract additional fees.


Fees & Charges of Kotak UPI RuPay Credit Card

Fee & AmountFee Value
Joining Fee
0
Annual Fee
0
Forex Markup Fee
3.5%
Cash Advance Fee
3.5%
Late Payment Fee
₹1,200
Over Limit Fee
₹500
Returned Payment Fee
₹500
Cash Withdrawal Fee
4%

Renewal Conditions:Lifetime free; no annual renewal fee.


Fee Explanation Finance charges, late fees and other charges follow Kotak Mahindra Bank’s latest credit card terms; always check the Most Important Terms & Conditions (MITC) before applying.


Additional Features of Kotak UPI RuPay Credit Card

Virtual Only Credit Card

Card exists only in digital form and is instantly available in the Kotak Mobile Banking App and net banking.

No physical plastic card is issued; manage usage completely through digital channels.

UPI On Credit Card

Link the card on popular UPI apps and pay by scanning merchant QR codes while using your credit limit.

Only merchant (P2M) transactions are allowed; P2P transfers and wallet top-ups are generally not permitted.

Lifetime Free Card

Enjoy a zero joining fee and zero annual fee structure for the primary card.

Fees may change in future as per bank policy; check latest schedule of charges.

Card Controls

Enable or disable e-commerce, contactless and international usage from the Kotak app.

Customers must turn on relevant controls before performing certain transaction types.



Welcome Bonus with Kotak UPI RuPay Credit Card

Welcome Bonus: lifetime free
Bonus Conditions: Nil joining and annual fee for life; rewards apply on eligible UPI and card spends.


Application Process for Kotak UPI RuPay Credit Card

Processing Time

Instant virtual card issuance for eligible Kotak credit card customers via app or net banking.

Online Application

Available

Instant Approval

Available

Step-by-Step Process

1

Log in to Kotak Mobile Banking App or net banking using your registered credentials.

2

Navigate to the Credit Cards section and look for the Kotak UPI RuPay Credit Card offer.

3

Review the features, fees, eligibility criteria and terms and conditions carefully.

4

Confirm your details and submit the digital application or instant opt-in request.

5

On approval, the virtual card is generated and can be viewed and managed in the Kotak app.

Required Documents for Kotak UPI RuPay Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Aadhaar Passport Utility Bill Driving Licence

Income Proof

new-to-bank or limit enhancement

Accepted documents:

Latest salary slip bank statement or Income Tax Return if requested by the bank

Kotak UPI RuPay Credit Card Merchant Acceptance Network

Domestic Acceptance

Widely accepted across RuPay-enabled merchants, UPI QR codes and online platforms in India.

International Acceptance

International usage is limited to merchants and locations that support RuPay credit card transactions.

Online Acceptance

Can be used for online payments on Indian websites and apps that accept RuPay or UPI.

Payment Technologies

Contactless PaymentsSupported

Mobile Wallet Support:

Google PayPhonePePaytmAmazon Pay

Excluded Merchants

Peer-to-peer UPI transfersWallet loads and cash-like transactionsDigital account opening and lending platforms treated as restrictedMutual fund and IPO applications through specific platformsOnline skill-based gaming and gambling merchantsAny other categories restricted by Kotak Mahindra Bank or NPCI from time to time

Eligibility Criteria for Kotak UPI RuPay Credit Card

Quick Eligibility Check

Minimum Age

18+

Credit Score

700+

Citizenship

Indian residents only

Income Requirements

Salaried Applicants

₹25,000

Minimum annual income

Self-Employed Applicants

₹30,000

Minimum annual income

Who Can Apply

Important Conditions

  1. Available primarily to existing Kotak Mahindra Bank credit cardholders with a good repayment track record.

How Approval Is Decided

  • Existing Kotak Mahindra Bank credit cardholder in good standing.
  • Indian resident within the acceptable age band (typically 18–65 years).
  • Satisfactory internal risk checks and credit score as per bank policy.
  • Compliance with KYC and regulatory guidelines at the time of application.

Pros of Kotak UPI RuPay Credit Card

  • No joining or annual fee, making it easy to keep long term.
  • Reward points on eligible UPI payments and regular card spends.
  • Instant virtual issuance through Kotak Mobile Banking for eligible customers.
  • Good fit for users who prefer QR-based payments over card swipes.

Cons of Kotak UPI RuPay Credit Card

  • No complimentary airport lounge access or travel benefits.
  • Fuel and some utility transactions may not earn rewards and can attract extra fees.
  • Virtual-only design may not suit users who prefer a physical card.
  • Rewards are point-based with no upfront welcome bonus.

Frequently Asked Questions about Kotak UPI RuPay Credit Card


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Kotak UPI RuPay Credit Card – Lifetime Free UPI Credit Card With Rewards