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Kotak Mahindra BankGold

Kotak Urbane Gold Credit Card

•••• •••• •••• 4242

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Quick facts

Kotak Urbane Gold Credit Card

Top reward3X reward points

Annual fee₹1,999

Min income₹30,000/mo

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💰Cashback Kings

Kotak Mahindra Bank · Gold tier

Kotak Urbane Gold Credit Card

For city diners who want entertainment-linked rewards.

Key Benefits

Dining: 3X reward pointsOther spends: 1X reward pointsAnnual fee waiver at ₹2,00,000 yearly spendBest for: Urban diners

Realistic net value (moderate user)

₹140/year

Annual fee

₹1,999

Issuer headline rate: 3X reward points — see calculator for caps

After ₹1,999 fee & ₹630 forex. Based on ₹40,000/mo spend.

Age 21–60From ₹30,000/mo incomeUnsecured

Not your spend profile? Customize in the calculator →

12,400 users matched · Verified 2026-06-25

Apply directly with the bank. We never call you. The bank may contact you on their application form.

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Dining: 3X reward points
Other spends: 1X reward points
Dining discounts
Entertainment offers
Reward points on spends
Annual fee waiver at ₹2,00,000 yearly spend
Best for: Urban diners
Best for: Weekend entertainment

Source: Kotak Urbane Gold T&Cs

💰Cashback Kings

Flat cashback on spends — no points math

UPI rewards (credit on UPI)

UPI credit not supported

Visa/Mastercard — UPI credit not supported.

UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.

Reward Structure

Source: Kotak Urbane Gold T&Cs

Dining

3X reward points

Other spends

1X reward points

Excluded categories (no rewards)

EMIFuelRent

Fee waiver at

₹2,00,000 annual spend

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹770

Before fees & forex

Costs / year

₹630

Fee ₹0 + forex ₹630

Net value / year

₹140

0.03% effective return on spend

Points earned (all categories)

≈ 257 pts/mo (3,084 pts/yr) before caps · at ₹0.25/pt that's ~₹64.25/mo (~₹771/yr) in reward value

Category-wise breakdown

Dining & food delivery

Spend ₹4,000/mo · 3 pts per ₹150 spend

₹240/year

₹20/mo

₹4,000 → 80 pts/mo × ₹0.25/pt = ₹20/mo

80 pts/mo (960 pts/yr) × ₹0.25/pt → ₹20/mo

All other eligible spends

Spend ₹26,500/mo · 1 pts per ₹150 spend

₹530/year

₹44.17/mo

₹26,500 → 177 pts/mo × ₹0.25/pt = ₹44.17/mo

177 pts/mo (2,124 pts/yr) × ₹0.25/pt → ₹44.17/mo

Fee waiver likely: Your ₹4,80,000/yr spend exceeds the ₹2,00,000 waiver threshold.

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→Urban diners
→Weekend entertainment

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

dining — 3 pts per ₹150 spend

You spend

₹10,000

→

You earn

200 pts

Worth ≈

₹50

@ ₹0.25/point

all — 1 pts per ₹150 spend

You spend

₹10,000

→

You earn

67 pts

Worth ≈

₹16.67

@ ₹0.25/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.

Still deciding? Compare side-by-side or get a personalized shortlist.

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹1,999

Annual / renewal fee

Waived on ₹2,00,000 annual spend

₹1,999

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹770

Annual fee− ₹0

Forex cost− ₹630

Net annual value₹140

Eligibility Snapshot

Public criteria from Kotak Urbane Gold T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹30,000/mo

Min income (self-employed)₹3,60,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with Kotak Urbane Gold Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹770/year. After the ₹1,999 annual fee, net value is approximately ₹140/year. Use the calculator above to model your own spends.

What is the minimum income for Kotak Urbane Gold Credit Card?+

₹30,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.

How do I get the annual fee waived?+

Spend ₹2,00,000 in a calendar year to get the ₹1,999 renewal fee reversed.