A Detailed Review of Kotak Urbane Gold Credit Card

Step into a world where everyday spending brings exciting rewards with the Kotak Urbane Gold Credit Card. Cardholders can earn up to 10,000 reward points annually by meeting the specified spend criteria, with each point valued at up to ₹0.10. This card ensures that your money works harder for you while adding convenience to your lifestyle. 

Before you make a move, explore the key benefits, reward structure and fees of the Kotak Urbane Gold Credit Card to understand how it can maximise your savings throughout the year.

Kotak Urbane Gold Credit Card Benefits

With the Kotak Urbane Gold Credit Card, you can earn reward points on utility spends of up to ₹35,000 per payment cycle. Here are the other benefits that you can reap from this card:

• The cash value for reward redemption is ₹0.07 per reward point, redeemable if you have at least 2,000 reward points.
• If you redeem your reward points against other categories like shopping, vouchers and others, the value of 1 reward point is equivalent to ₹0.10.
• In case you spend ₹1 lakh in a year using the card, you can get 4 PVR tickets or 10,000 reward points.

Kotak Urbane Gold Credit Card Charges

The Kotak Urbane Gold Credit Card does not attract any joining fee. However, you need to pay an annual fee of ₹199.  If you spend ₹15,000 or more on retail purchases in a year, the bank waives the annual fee.

Here are the other charges that this card attracts:

💡Ensure timely credit card bill payments to avoid late fees and interest charges. Add your card to the Pice app for reminders and hassle-free bill payments with just a few taps! 

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Kotak Urbane Gold Credit Card Eligibility Criteria

To apply for the Kotak Urbane Gold Credit Card, you need to be an Indian resident between 21 and 60 years old. If you are an add-on card applicant, ensure you are at least 18 years old. Your income to apply for this card should be at least ₹3 lakh. 

Lastly, you must reside in one of the following cities to be eligible for the Kotak Urbane Gold Credit Card:

• Ahmedabad
• Delhi (including Noida and Gurgaon)
• Chennai
• Bangalore
• Mumbai
• Kolkata
• Hyderabad
• Pune
• Navi Mumbai

Kotak Urbane Gold Credit Card Redemption Options

You can choose between PVR tickets and reward points once you meet the milestone criteria. If you choose PVR tickets, here’s what you need to know:

• The PVR tickets are transferable and can be used on any day for any show.
• You will get a Star Pass Code, which you can use while booking PVR tickets on the PVR website.
• The PVR tickets can be claimed within 3 months after the program period ends.
• You need to pay the additional amount beyond ₹400 in addition to the convenience or booking fee.

In case you choose to receive reward points instead of PVR tickets, here’s what you should keep in mind: 

• Kotak Mahindra Bank will credit your reward points in the next billing cycle.
• You can redeem your reward points against air tickets, mobile recharge, branded merchandise and others.
• The reward points are redeemable within 3 months after the program period ends.

Conclusion

The Kotak Urbane Gold Credit Card is a smart choice for urban spenders seeking rewards on utilities and everyday purchases. With milestone bonuses, flexible redemption options and a low annual fee that’s easily waived, it balances affordability, convenience and meaningful rewards throughout the year.

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