Is there a way to avoid paying the annual fee every year?

Yes. When your annual retail spends in the previous year are at least ₹15,000, Kotak waives the ₹199 annual fee for the following year.

Does the card offer any airport lounge access or travel benefits?

No. The Urbane Gold Credit Card is focused on shopping rewards and movie benefits rather than airport lounge access or premium travel privileges.

What is the minimum income required to apply for this card?

You should have a minimum annual income of ₹3,00,000 (around ₹25,000 per month) and meet Kotak’s internal eligibility and credit assessment criteria.

Can I add my family members as add-on cardholders?

Yes. You can issue free add-on cards to eligible family members, set their spend limits and track their transactions separately from your primary card.

What type of card is the Kotak Urbane Gold Credit Card best suited for?

It is best suited as an entry-level shopping and lifestyle credit card for people who want simple rewards and a low annual fee.

How many reward points do I earn on my everyday spends?

You earn 3 reward points on every ₹100 of eligible retail spends, excluding categories where rewards are restricted or capped.

How does the annual milestone offer work on this card?

If your annual eligible retail spends reach ₹1,00,000, you can choose between 4 PVR movie tickets or 10,000 bonus reward points as your milestone reward.

Credit Cards/Kotak Mahindra Bank/Kotak Urbane Gold Credit Card

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Last updated: Feb 03, 2026

e-commerce and online marketplaces utility and bill payment platforms (with reward caps)grocery stores and supermarkets fashion and lifestyle shopping restaurants and cafes

Annual Fee

₹199

Joining Fee

₹0

Forex Fee

3.5%

Lounge Access

No lounge access

Kotak Urbane Gold Credit Card is an entry-level shopping and lifestyle credit card with a very low annual fee and simple rewards. You earn 3 reward points on every eligible retail spend, making it ideal for groceries, everyday shopping and online purchases. On hitting the annual milestone, you can choose between free PVR movie tickets or bonus reward points, adding extra value for regular spenders. This card suits beginners who want a basic, easy-to-understand rewards credit card from Kotak Mahindra Bank without premium fees.

Features of Kotak Urbane Gold Credit Card which makes it unique

Movie-centric Milestone Benefit

Unlock movie-focused benefits by choosing 4 PVR tickets as your annual milestone reward.

Ideal for movie lovers who frequently visit cinemas and want extra savings.

Rare milestone movie offer among low annual fee cards.

Simple Flat Reward Rate

Single, easy-to-understand reward rate on most retail spends with no complicated category slabs.

Beginner-friendly structure for first-time credit card users.

Simpler than many entry-level cards with multiple reward tiers.

Rewards Structure of Kotak Urbane Gold Credit Card

All Retail Spends

base

All eligible retail transactions except fuel, wallet loads, restricted categories and transactions where rewards are specifically excluded.

Reward Rate:3 Reward Points per ₹100 spent

Monthly Cap:Reward points on utility spends capped per statement cycle as per latest bank policy.

Reward points can be redeemed for vouchers, travel, merchandise or cash credit at variable point values.

Milestones of Kotak Urbane Gold Credit Card

Annual Milestone Reward

₹1,00,000 eligible retail spends in a card anniversary year : Choice of 4 PVR movie tickets or 10,000 bonus reward points, redeemable within the specified redemption window.

Fees & Charges of Kotak Urbane Gold Credit Card

Fee & Amount	Fee Value
Joining Fee	0
Annual Fee	₹199
Forex Markup Fee	3.5%
Cash Advance Fee	2.5%
Late Payment Fee	₹1,200
Over Limit Fee	₹500
Returned Payment Fee	₹500
Cash Withdrawal Fee	3%

Renewal Conditions:Annual fee of ₹199 is waived on annual retail spends of ₹15,000 in the previous year.

Fee Explanation Finance charges from 3.75% per month, slab-based late payment fees, and standard cash advance and overlimit charges apply on outstanding balances and overdue amounts.

Detailed Explanation of Kotak Urbane Gold Credit Card Fees

Annual Fee: ₹199 + GST (yearly)

Waived when annual eligible retail spends reach ₹15,000 in the previous year.

Joining Fee: ₹0 (one-time)

No joining fee is charged for new cardholders.

Cash Advance Fee: Max(2.5% of amount, ₹500) per ₹10,000 or part thereof (transaction)

Finance charges apply from the date of withdrawal until full repayment.

Finance Charges: 3.75% per month (45% p.a.) (monthly)

Applicable on unpaid balances and cash advances after the due date.

Foreign Currency Markup: 3.5% of transaction value (transaction)

Markup plus applicable GST is charged on international transactions.

Late Payment Fee: Up to ₹1,200 (statement)

Slab-based fee depending on total outstanding; highest slab applies above ₹50,000.

Overlimit Fee: ₹500 (event)

Charged when total outstanding exceeds the assigned credit limit.

Cheque Bounce / Auto-debit Return Fee: 2% of amount (min ₹500) (event)

Applied on dishonoured cheque or failed standing instruction, subject to maximum limits as per MITC.

Insurance Coverage with Kotak Urbane Gold Credit Card

Lost Card Liability Cover

₹50,000 per year

Covers unauthorised transactions on the credit card for up to 7 days prior to reporting loss to Kotak customer care, subject to policy terms.

Additional Features of Kotak Urbane Gold Credit Card

Add-on Cards

Free add-on cards for family members with the same benefits as the primary card.

Primary cardholder can set individual spend limits and track add-on card spends separately.

EMI on Large Purchases

Convert eligible high-value transactions into EMIs through net banking, mobile app or customer care.

Processing fees and interest rates apply as per active EMI programs.

Contactless Payments

Tap-to-pay enabled chip card for faster checkouts at NFC-enabled terminals.

Contactless limits and PIN requirements are governed by network and RBI guidelines.

Digital Account Management

Manage card, rewards, statements and payments via Kotak NetBanking and Mobile Banking app.

Requires active online banking access and registered mobile number.

Welcome Bonus with Kotak Urbane Gold Credit Card

Welcome Bonus: 4 PVR tickets or 10,000 reward points
Bonus Conditions: Complete ₹1,00,000 eligible retail spends in a card anniversary year to unlock the milestone benefit.

Application Process for Kotak Urbane Gold Credit Card

Processing Time

Typically 7–10 working days after successful verification.

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Visit the Kotak Mahindra Bank website and navigate to the credit cards section.

Select the Kotak Urbane Gold Credit Card and click on Apply Now.

Fill in your personal, contact and income details and submit the online form.

Upload or share KYC and income documents as requested by the bank.

Complete verification through phone call or digital KYC and wait for approval and card dispatch.

Required Documents for Kotak Urbane Gold Credit Card

ID Proof

all

Accepted documents:

PAN card Aadhaar card Passport Driving Licence Voter ID

Address Proof

all

Accepted documents:

Aadhaar Passport Utility Bill Rental Agreement as accepted by the bank

Income Proof

salaried

Accepted documents:

Latest salary slips Form 16 or bank statements showing regular salary credits

Income Proof

self-employed

Accepted documents:

Latest ITR audited financial statements or bank statements as per Kotak’s policy