← Part of Kotak Credit Cards in India
The Kotak Urbane Gold Credit Card offers 3 reward points for every ₹100 spent, translating to a 0.3% reward rate on everyday purchases. Cardholders can earn 4 free PVR tickets or 10,000 reward points annually by spending ₹1 lakh or more.
As of 2026, this entry-level card targets new credit users with a low annual fee and easily achievable waiver conditions.
| Parameter | Details |
|---|---|
| Card Name | Kotak Urbane Gold Credit Card |
| Card Type | Rewards Credit Card |
| Bank | Kotak Mahindra Bank |
| Reward Points Earning Rate | 3 reward points for every ₹100 spent |
| Everyday Purchase Reward Rate | 0.3% |
| Reward Point Value | 1 reward point = ₹0.10 (10 paise) |
| Milestone Benefit (PVR Tickets) | 4 free PVR tickets annually on spending ₹1 lakh or above |
| Milestone Benefit (Reward Points) | 10,000 reward points annually on spending ₹1 lakh or above |
| Credit Shield Coverage | Up to ₹50,000 (against card loss or theft) |
| Add-on Card Availability | Yes, with primary card benefits and spending limit control |
| Foreign Transaction Fee | 3.50% of the transaction amount (as of 2026) |
| Interest-Free Credit Period | Up to 48 days (if previous month’s balance paid in full) |
| Payment Methods | Mobile Banking, Net Banking (Kotak Bank Account), NEFT, IMPS (IFSC: KKBK0000958) |
| Non-Resident Payment Source | NRE account only |
| Zomato Gold Offer | 50% off up to ₹300 on first order for new subscribers (using Kotak credit cards) |
The card’s features are designed to provide value-back through reward points and movie benefits for regular shoppers.
Urbane Gold Credit Card: Benefits
The Kotak Urbane Gold Credit Card offers 3 reward points for every ₹100 spent, translating to a 0.3% reward rate on everyday purchases. Cardholders can also earn 4 free PVR tickets or 10,000 reward points annually by spending ₹1 lakh or more.
- Reward Points: Earn 3 reward points for every ₹100 spent on retail purchases. This provides a consistent reward rate for regular spending.
- Milestone Benefits: Achieve 4 free PVR movie tickets or 10,000 bonus reward points upon spending ₹1,00,000 within a year. This offers significant value for reaching the annual spending threshold.
- Reward Redemption: Redeem accumulated reward points for various options including purchases made with the card, air tickets, movie tickets, mobile recharges, shopping e-vouchers, and travel bookings. Each reward point holds a value of ₹0.10.
- Credit Shield: The card provides a credit shield cover of up to ₹50,000 against card loss or theft. This offers financial protection in case of unauthorized transactions after reporting the loss.
- Add-on Cards: Primary cardholders can apply for add-on cards, allowing them to set individual spending limits for family members aged 18 years and above. All benefits of the primary card extend to add-on cards.
- Zomato Gold Offer: New Zomato Gold subscribers can receive a 50% discount, up to ₹300, on their first order when using a Kotak credit card (as of 2026).
- Interest-Free Period: Enjoy an interest-free credit period of up to 48 days, provided the previous month’s total outstanding bill amount is paid in full by the due date.
These benefits make the Kotak Urbane Gold Credit Card suitable for individuals seeking consistent rewards and movie benefits on their everyday spending.
Urbane Gold Credit Card: Fees & Charges
The Kotak Urbane Gold Credit Card carries a joining fee of ₹199 + GST and an annual fee of ₹199 + GST as of 2026. This annual fee can be waived by meeting specific spending conditions in the previous anniversary year. Interest rates on outstanding balances are 3.5% per month.
| Metric | Value (Rs.) | Source |
|---|---|---|
| Joining Fee | 199 + GST | Kotak Mahindra Bank (as of 2026) |
| Annual Fee | 199 + GST | Kotak Mahindra Bank (as of 2026) |
| Annual Fee Waiver Condition | Spend ₹15,000 in previous anniversary year | Kotak Mahindra Bank (as of 2026) |
| Interest Rate (Monthly) | 3.5% | Kotak Mahindra Bank (as of 2026) |
| Interest Rate (Annually) | 42.0% | Kotak Mahindra Bank (as of 2026) |
| Add-on Card Fee | 0 | Kotak Mahindra Bank (as of 2026) |
| Foreign Currency Transaction Fee | 3.5% of transaction amount | Kotak Mahindra Bank (as of 2026) |
| ATM Cash Withdrawal Fee | ₹300 per ₹10,000 or part thereof | Kotak Mahindra Bank (as of 2026) |
| Overlimit Charges | Not applicable (transactions within credit limit only) | Kotak Mahindra Bank (as of 2026) |
| Card Replacement Fee | 0 | Kotak Mahindra Bank (as of 2026) |
| Credit Shield (Card Loss/Theft) | Up to ₹50,000 cover | Kotak Mahindra Bank (as of 2026) |
The card’s low annual fee and easily achievable waiver condition make IT an accessible option for new credit card users in India. Always verify current fees and charges directly with Kotak Mahindra Bank before applying.
Urbane Gold Credit Card: Eligibility
To apply for the Kotak Urbane Gold Credit Card in 2026, applicants must be Indian residents between 21 and 65 years old, with a minimum annual income of ₹3 lakh. Add-on cardholders can be 18 years or older.
The card is available in major Indian cities, including Delhi, Mumbai, Bengaluru, and Chennai.
- Age Criteria: The primary cardholder must be between 21 and 65 years of age. Add-on cardholders are eligible from 18 years onwards.
- Residency Status: Applicants must be residents of India to qualify for the Kotak Urbane Gold Credit Card.
- Minimum Income: A minimum annual income of ₹3 lakh is required for the primary applicant.
- Geographic Availability: The card is offered in specific cities, including Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai, and Pune.
- Credit Score: While not explicitly stated for this card, a CIBIL score of 750 or higher generally improves approval chances for most Kotak credit cards.
- Employment Type: Both salaried and self-employed individuals meeting the income criteria can apply.
Meeting these criteria helps ensure a smoother application process for the Kotak Urbane Gold Credit Card.
Urbane Gold Credit Card: How to Apply
Applying for the Kotak Urbane Gold Credit Card involves a straightforward online or offline process, subject to meeting the eligibility criteria for Indian residents. As of 2026, Kotak Mahindra Bank offers this card in major Indian cities like Mumbai, Delhi, and Bangalore.
Before applying, ensure you have all necessary identity, address, and income proofs ready for submission.
- Check Eligibility: Confirm you meet the age (21-65 years for primary cardholders) and minimum annual income (₹3 lakh) requirements. The card is available in specific locations including Ahmedabad, Chennai, and Hyderabad.
- Gather Documents: Collect your identity proof (e.g., PAN Card, Aadhaar Card), address proof (e.g., Passport, Utility Bill not older than 3 months), and income proof (e.g., recent 2 salary slips, latest Form 16).
- Online Application: Visit the Kotak Mahindra Bank official website and to the credit cards section. Fill out the online application form for the Urbane Gold Credit Card, uploading scanned copies of your documents.
- Offline Application: Alternatively, visit a Kotak Mahindra Bank branch. A bank representative will assist you with the application form and document submission.
- Application Tracking: After submission, you can track your application status via the Kotak Banking helpline numbers or the official Kotak cards website, www.kotakcards.com.
The bank will review your application and documents, typically communicating a decision within a few business days.
Urbane Gold Vs. Other Kotak Cards
The Kotak Urbane Gold Credit Card offers a basic rewards rate and movie benefits, contrasting with cards like the PVR Gold which focuses on movie-specific perks. As of 2026, Kotak Mahindra Bank provides a range of credit cards tailored to different spending patterns, from lifestyle to corporate needs.
| Feature | Urbane Gold | PVR Gold | League Platinum |
|---|---|---|---|
| Annual Fee | ₹0 – ₹199 | ₹300 | Not specified |
| Reward Points | 3 points on every ₹100 spent (0.3% reward rate) | Not specified | 4X points on select categories (hotels, travel, international spends) |
| Movie Benefits | 4 PVR tickets annually on spending ₹1 lakh or above | Up to 2 free PVR tickets monthly (on ₹10,000+ spend) | Not specified |
| Cashback/Discounts | Not specified | 15% cashback on food and beverages at PVR | Not specified |
| Fuel Surcharge Waiver | Yes | Not specified | Yes |
| Credit Shield | Up to ₹50,000 (card loss) | Not specified | Not specified |
| Minimum Annual Income | ₹3 Lakhs | Not specified | Not specified |
| Foreign Transaction Fee | 3.50% of transaction amount | Not specified | Not specified |
While the Urbane Gold card provides a general reward structure, other Kotak cards like the PVR Gold offer specialized benefits for specific spending habits, such as frequent movie-goers.
Urbane Gold Credit Card: Documents
To apply for the Kotak Urbane Gold Credit Card in 2026, applicants must submit specific identity, address, and income proofs. These documents verify eligibility criteria such as Indian residency and minimum annual income of ₹3 lakh.
- Identity Proof: Submit any one document like PAN Card, Aadhaar Card, Passport, Driver’s License, or Voter’s ID Card. Other accepted proofs include a Person of Indian Origin Card or a Job card issued by NREGA.
- Address Proof: Provide one document such as Aadhaar Card, Passport, Driver’s License, or a Utility Bill not older than three months. A Ration Card or Bank Account Statement can also serve as address proof.
- Income Proof: Applicants need to submit their recent two salary slips (not older than three months), the latest Form 16, and bank statements from the last three months. This verifies the minimum annual income requirement of ₹3 lakh.
- Age Verification: Your identity proof will also confirm that the primary cardholder is between 21 and 65 years old, and any add-on cardholders are 18 years or older.
- Residency Status: All submitted documents must confirm the applicant’s status as an Indian resident, a key eligibility criterion for the card.
Ensure all documents are valid and current to help a smooth application process for the Kotak Urbane Gold Credit Card.
Urbane Gold Credit Card: Reward Redemption
The Kotak Urbane Gold Credit Card offers 3 reward points for every ₹100 spent, translating to a 0.3% reward rate on everyday purchases. These points can be redeemed for various transactions, the card’s value for regular shoppers.
- Earning Rate: Cardholders earn 3 reward points for every ₹100 spent on retail purchases (as of 2026).
- Redemption Value: Each reward point holds a value of ₹0.10 or 10 paise when redeemed.
- Redemption Options: Points can be redeemed against purchases made with the card, for flight tickets, movie tickets, mobile recharges, shopping e-vouchers, and travel bookings.
- Milestone Benefits: Spending ₹1 lakh in a year unlocks 4 free PVR movie tickets or 10,000 bonus reward points.
The card’s reward structure is designed to benefit frequent shoppers, offering tangible value back on their spending.
Key Takeaways
- The Kotak Urbane Gold Credit Card provides 3 reward points for every ₹100 spent, equivalent to a 0.3% reward rate.
- Each reward point is valued at ₹0.10, redeemable across various categories including shopping, travel, and entertainment.
- Cardholders can earn 4 free PVR tickets or 10,000 reward points by spending ₹1 lakh annually.
For detailed terms and to apply, visit the official Kotak Mahindra Bank website.
Frequently Asked Questions (FAQs)
What are the key benefits of the Kotak Urbane Gold Credit Card in 2026?
The Kotak Urbane Gold Credit Card offers 3 reward points for every ₹100 spent, a 0.3% rewards rate on everyday purchases, and a fuel surcharge waiver. Cardholders can also receive 4 PVR movie tickets annually by spending ₹1 lakh or more. This card is an entry-level option with a low annual fee.
What are the eligibility criteria for the Kotak Urbane Gold Credit Card?
To apply for the Kotak Urbane Gold Credit Card, the primary cardholder must be between 21 and 65 years old, with add-on cardholders aged 18 years or above. Applicants need a minimum annual income of ₹3 lakh and must be residents of India. The card is available in specific cities like Delhi, Mumbai, Bengaluru, and Chennai.
What is the annual fee for the Kotak Urbane Gold Credit Card in 2026?
The Kotak Urbane Gold Credit Card has an annual fee of ₹0, making IT an attractive option for those seeking a no-annual-fee card. This fee waiver condition is easily achievable for most users. Always verify the latest fee structure on the Kotak Mahindra Bank website.
How do I earn reward points with the Kotak Urbane Gold Credit Card?
You earn 3 reward points for every ₹100 spent using your Kotak Urbane Gold Credit Card. These points accumulate on most everyday purchases. The card offers a basic rewards rate of 0.3% on your spending.
Can I get movie tickets with the Kotak Urbane Gold Credit Card?
Yes, the Kotak Urbane Gold Credit Card provides 4 PVR movie tickets annually if you spend ₹1 lakh or more within a year. This benefit adds value for cardholders who frequently visit cinemas. Always check the specific terms and conditions for this offer.
What documents are required to apply for the Kotak Urbane Gold Credit Card?
Applicants for the Kotak Urbane Gold Credit Card need to submit identity proof such as a PAN Card, Driver’s License, Passport, or Aadhaar Card. You will also need address proof and income proof, like salary slips or bank statements. Ensure all documents are valid and up-to-date for your application.
Is the Kotak Urbane Gold Credit Card suitable for new credit card users?
Yes, the Kotak Urbane Gold Credit Card is an entry-level card well-suited for new credit card users or those with low annual spending. IT offers basic rewards, a fuel surcharge waiver, and an easily achievable fee waiver condition. This makes IT a good starting point for building credit history.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.