Kotak UPI Rupay Credit Card: Features & Benefits

Summary

Combining the advantages of UPI transactions with credit card characteristics, the Kotak UPI RuPay Credit Card is a special product. Linked to the RuPay network, this card lets consumers pay UPI straight from their credit card rather than from a bank account. It is readily connected to well-known UPI apps such as Google Pay, PhonePe, and Paytm, therefore facilitating simple and hassle-free transactions.

Best suited for people who do most of their UPI transactions, and wish to avail the benefits of a credit card-a credit limit, and rewards-this is just the right sort of card. It’s suitable for regular purchases as long as everyday spending helps one earn reward points. What’s important, however, is that not all eligible transactions qualify for prizes.

Thus, all those willing to benefit by having UPI ease, the comfort of high credit limits along rewards have a go on this UPI RuPay Credit Card that assures everyone is compensated for spent, making people comfortable for each of their transactions.

Introduction

Nowadays the era of digital payment is growing rapidly, and in this changing era, Kotak Rupay Credit Card has made its own identity. Kotak UPI Credit Card is a great option for those who want to make their daily expenses easy and secure. Kotak Mahindra Bank has introduced the Kotak UPI Credit Card specially integrated with UPI payment so that you can not only take advantage of the credit card but also take advantage of the facilities of UPI.

The biggest feature of Kotak Rupay Credit Card is that it can be used through Uthe PI network, that is, now you can link your credit card to UPI apps (like PhonePe, Google Pay, Paytm, etc.). This facility is especially beneficial for those who like to make cashless payments. Along with this, Kotak UPI Credit Card works on the Rupay network, which is an Indian payment gateway and it is very safe and easy to transact through it.

There are many benefits of credit cards such as cashback offers, and many discounts. Apart from this, through the UPI Rupay Credit Card, you can make payments at many merchant outlets without any additional charge. Also, the UPI Rupay Credit Card is an excellent option for both online and offline payments.

In today’s article, we will discuss in detail about Kotak UPI Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of Kotak Rupay Credit Card and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.

What is the Kotak UPI Rupay Credit Card?

The credit card is a special credit card issued by Kotak Mahindra Bank. The biggest feature of UPI Rupay Credit Card is that it can be linked with UPI (Unified Payments Interface) so that you can easily make digital payments. UPI is a system through which you can send or receive money instantly from your bank account, and now you can do all your transactions by linking Kotak Rupay Credit Card to UPI.

Kotak UPI Credit Card works on the Rupay network, which is India’s payment gateway. This means that you can use Kotak UPI Rupay Credit Card for both online and offline payments. It can be linked to UPI apps like Google Pay, PhonePe, Paytm, etc., so that you can easily pay at shops, during online shopping, or for other services.

How is the Kotak UPI Rupay Credit Card designed?

Credit Card is designed to include the benefits of UPI payment combining it with a credit card. One can make UPI transactions directly from one’s credit card instead of a bank account. So, you could just scan all merchant QR codes and pay using UPI, while getting a credit limit and rewards like a regular credit card.

The card is associated with the RuPay network and, hence is usable with popular apps of UPI such as PhonePe, Google Pay, and Paytm. It is suitable for such people who would want to enjoy the benefits of UPI along with credit facilities.

What are the benefits of the Kotak UPI Rupay Credit Card?

It has a few user-friendly benefits, such as:

• Reward Points: With UPI RuPay Credit Card, for every ₹100 spent, the credit card and UPI transactions are eligible for 3 reward points. The reward points so earned can be added to the account per statement cycle without any limit.

• Lifetime Free: The joining and annual fees are zero on this card.

• UPI Integration: Link your credit card to popular UPI apps like Google Pay, PhonePe, and Paytm for seamless payments.

• Virtual Convenience: Issued as a virtual card, it eliminates the need to carry a physical card, enhancing security and ease of use.

• For redemption, every 1,000 reward points equate to ₹100, with a minimum of 1,000 points required for redemption.

What are the fees for the Kotak UPI Rupay Credit Card?

Here is a simple Credit Card fee breakup.

Joining Fee	NIL
Annual Fee	NIL
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (48% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Kotak UPI Rupay Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Kotak UPI Rupay Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it increases the probability of approval.

4. Your credit score plays a role in the selection process. It is a tendency for Kotak Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Kotak UPI Rupay Credit Card?

The documents that you will have to submit to Get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Kotak UPI Rupay Credit Card be used?

Here is the list of places where you can use it:

• With the UPI Rupay Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Kotak UPI Rupay Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  Kotak UPI Rupay Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Kotak UPI Rupay Credit Card?

The credit amount you can spend is what you are provided with a Kotak UPI Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Kotak UPI Rupay Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Kotak Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Kotak Bank; for instance, you can choose the  Kotak UPI Rupay Credit Card.

• Just hover your cursor on the UPI Rupay Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Kotak Bank branch to apply for the UPI Rupay Credit Card.

• Request for the credit card application form for the Kotak Rupay Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the UPI Rupay Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Kotak Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Kotak UPI Rupay Credit Card in 2025 be right?

Yes, getting a Kotak UPI Rupay Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Kotak Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Kotak UPI Credit Card is a modern and convenient credit card designed to make digital payments easy and secure. Being integrated with UPI, UPI Rupay Credit Card not only makes everyday transactions easier but also lets you enjoy additional benefits. Its biggest advantage is that you can link it to UPI apps and make payments directly from your mobile, thus eliminating the hassle of managing different cards and applications.

Through Kotak Rupay Credit Card, you get to see many great benefits and facilities like cashback, discounts, and reward points, which ensures that you get some benefit on every expense. Apart from this, the security and reliability of the Rupay network gives you confidence in every transaction. Whether you are shopping online or paying at a merchant outlet, the UPI Rupay Credit Card is useful everywhere.

If you want to adopt cashless and digital payments, then the UPI Rupay Credit Card can be a great option for you. Its application process is also very easy, which you can easily do through Kotak Mahindra Bank’s website or mobile app. In just a few minutes you can apply for a UPI Rupay Credit Card and get it.

Frequently Asked Questions (FAQ’s)