Kotak UPI RuPay Credit Card: Benefits, Fees & Charges

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

29 Dec 25
4 mins

Sandipan Mitra

08 Mins
29-12-25

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Table of Contents

Kotak UPI RuPay Credit Card Benefits
Make UPI Payments with your Kotak UPI Rupay Credit Card
Kotak UPI RuPay Credit Card Charges

Key Takeaways:

The Kotak UPI RuPay Card is lifetime free with zero joining and annual charges.
You earn 3 reward points for every ₹100 spent.
Every 1,000 reward points equals ₹100, with redemption starting from 1,000 points.

UPI payments on credit cards now follow clear daily caps that balance speed and safety. With the Kotak UPI RuPay Credit Card limit, peer-to-peer transfers usually allow ₹1,00,000 to ₹2,00,000 per day, while merchant payments range from ₹5,000 to ₹1,00,000.

These limits vary by card type and issuer policy. Knowing these thresholds helps you plan spending better and avoid declines. With this clarity, let us now explore the other details of the Kotak UPI RuPay Credit Card.

Kotak UPI RuPay Credit Card Benefits

The Kotak UPI RuPay Credit Card is a lifetime free credit card with zero joining and annual fees.

It lets you make UPI and virtual credit card transactions with ease and flexibility.

The other benefits are:

Earn Reward Points

You earn 3 reward points for every ₹100 spent. Points apply to both UPI and regular credit card spends. Every 1,000 points equals ₹100. Redemption starts from 1,000 points.

UPI Payments on Credit Card

The card allows smooth UPI payments through popular UPI apps. You can scan QR codes or pay online while the transaction routes through your RuPay credit card securely.

Make UPI Payments with your Kotak UPI Rupay Credit Card

Pay directly from your credit limit through UPI with the Kotak UPI RuPay Credit Card. You can use popular UPI apps for quick, secure and widely accepted payments.

Step 1: Link Your RuPay Credit Card

Open your preferred UPI app, such as PhonePe, GooglePay, Paytm or BHIM.
Go to the Link RuPay Credit Card option.
Select Kotak Mahindra Bank Credit Card.
Choose your Kotak RuPay Credit Card from the eligible list.

Step 2: Set Your UPI PIN

Enter the last 6 digits of your card and its expiry date.
Verify the OTP sent to your registered mobile number.
Create a UPI PIN of your choice.

Step 3: Make a Payment

Scan a merchant QR or enter a UPI ID during checkout.
Select Kotak RuPay Credit Card as the payment source.
Enter your UPI PIN and confirm the transaction.

Paying your credit card bills is also equally easy. How? Simply download the Pice App and link all your credit cards to seamlessly pay your card bills through the app and also track their real-time status.

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Kotak UPI RuPay Credit Card Charges

This is a lifetime free credit card with zero joining and annual charges. Since it works as a virtual card, reissue or replacement fees also do not apply.

However, a few important charges related to the card are as follows:

Parameters	Charges
Interest Charges	3.75% (monthly); 45% (annually)
Over Limit Charges	₹500
Cheque Bounce Charges	2% or ₹500, whichever is higher
Foreign Currency Markup	3.5% + GST
Late Payment Charges	₹100 - ₹1200, depending on the amount

Late payment charges can jeopardise your monthly budget. Just one app can fix this. Download the Pice App and link all your credit cards. You can not only set reminders but also pay through the app. It is practical and easy!

Footnote:

From 1 June 2025, no reward points apply on insurance, government or online skill-based gaming spends. The utility spends above ₹35,000 per statement cycle does not earn points.

FAQs

What is Kotak Rewards and how can I use it?

Kotak Rewards is a unified redemption system for Kotak credit cards. You can redeem points for mobile recharges, shopping, e-vouchers, movies and travel across multiple categories.

What is the reward point value and redemption rule?

From 1 June 2025, cash redemption values drop to ₹0.07 per point with a 2,000-point minimum. For shopping, recharge and vouchers, 1 point still equals ₹0.10.

Who is eligible to apply for the Kotak UPI RuPay Credit Card?

Applicants must be at least 18 years old. The card is available only to existing Kotak credit card holders who meet the bank’s internal eligibility criteria.