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Verified by CardAgent admin · last checked 08 Jul 2026
Kotak Mahindra Bank

Kotak Urbane Gold Credit Card

22
Ranked #161 of 170 in credit
creditVisa

Kotak's entry-level, no-joining-fee rewards card for beginners and city shoppers, offering a straightforward 3X points rate and a PVR movie milestone, though new applications are currently paused bank-wide.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value4/100 · weight 71%
≈ 0.20% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +4.8% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, rent, fuel, insurance. Reward score is scaled by ×(1 − 3.8%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency98/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks6/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
₹199 + 18% GST
= ₹235 / year total
Waiver: Waived on annual retail spend of Rs 15,000 (very achievable)
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
fuelpoints0.25%(1 pts @ ₹0.25)——
online_spendspoints0.25%(1 pts @ ₹0.25)——
diningpoints0.25%(1 pts @ ₹0.25)——
travelpoints0.25%(1 pts @ ₹0.25)——
groceriespoints0.25%(1 pts @ ₹0.25)——
all_spendspoints0.10%(0.5 pts @ ₹0.20)—Base entry-level reward rate

Welcome offer

None distinctly identified; no joining fee

Milestone benefits

Pros

  • No joining fee
  • very low Rs 199 annual fee with easily achievable Rs 15,000 waiver threshold
  • 3X reward rate (~1%) is decent for an entry card
  • PVR ticket milestone is a nice touch for moderate spenders
  • free add-on card

Cons

  • IMPORTANT: Kotak Mahindra Bank is confirmed NOT accepting new credit card applications (per multiple sources) — verify current issuance status before recommending
  • city-restricted eligibility
  • PVR tickets only redeemable in PVR-served cities
  • milestone spend calculation excludes utility, wallet, fuel, gaming, insurance, government, rent, education (since June 2025)

What's inside

More benefits

  • Fuel surcharge waiver

    1% waiver on eligible fuel transactions

    Cap ₹3,500 / yearly. Standard range

Insurance cover

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Eligibility

text
Age 21-65 (primary), 18+ (add-on); min annual income Rs 3 lakh; limited to select cities (Delhi/NCR, Chennai, Kolkata, Ahmedabad, Bangalore, Hyderabad, Mumbai, Navi Mumbai, Pune)

Small print

Fuel surcharge:Not clearly detailed for this specific card