Kotak Urbane Gold Credit Card: Features & Benefits

Table of Contents

Summary

Kotak Urbane Gold Credit Card is one of the budget-friendly credit cards offering decent rewards. It rewards you with 3 reward points for every ₹100 spent on shopping, dining, and other transactions. Hence, it suits people who are frequent spenders. You can earn 4,000 bonus reward points when you spend ₹1 lakh in a year. This bonus can be redeemed as vouchers and gifts.

One of the major benefits of this card is that it does not charge an annual fee. The joining fee is waived provided one spends ₹15,000 in the initial 90 days of the issuance of the Credit card. It’s also waived off if one spends ₹1 lakh in a year; hence, this will save the individual amount for the annual fee. For frequent fuel customers, it allows a 1% waiver on the surcharge on the transaction ranging from ₹500 to ₹3,000.

Besides the rewards and savings, the card also provides flexibility in easy EMIs. Purchases above ₹3,000 can be converted into EMIs, which helps make big purchases easier. Such features make Urbane Gold Credit Card an excellent choice for people who want to earn rewards on their daily expenses but keep costs low.

Introduction

Kotak Urbane Gold Credit Card is a credit card that allows making your routine spending profitable. Many benefits and facilities are associated with Kotak Urbane Gold Credit Card for which you could get a happy, comfortable, and easy lifestyle. The prominent facility of Urbane Gold Credit Card is its rewards. You would always receive a lot of rewards as shopping is conducted with this card.

You can use these reward points in many ways such as movie tickets, air tickets, mobile recharge, and much more! Urbane Gold Credit Card also gives you many more facilities like add-on cards, so that you can give the benefits of Kotak Urbane Credit Card to your family members as well.

If you want to have a credit card that gives you reward points along with numerous other benefits, then the Kotak Urbane Gold Credit Card will probably be a perfect choice for you. Kotak Gold Credit Card is a very helpful card for those who shop often and seek rewards at their expense.

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

What is the Kotak Urbane Gold Credit Card?

Credit Card is another credit card through Kotak Mahindra Bank, which adds rewards to daily expenses. This card is intended for frequent shufflers at stores and marketplaces who intend to earn lucrative points on each of their spending activities.

The credit card also offers you many other features like add-on cards, which allow you to pass on the benefits of Kotak Urbane Credit Card to your family members as well. Overall, Urbane Gold Credit Card can prove to be an excellent choice for those who want to get the most out of their spending.

How is the Kotak Urbane Gold Credit Card designed?

Kotak Urbane Gold Credit Card is mainly for people wanting rewards on day-to-day spending. They earn reward points on every buy, redeemable for gifts and vouchers and everything in between, with milestone benefits wherein you have bonus points up for grabs the moment you pass a spending mark.

It has a low annual fee, which can be waived if you spend a certain amount in a year. Plus, it provides fuel surcharge waivers, making it a good choice for frequent drivers. Overall, it is a budget-friendly card with decent perks for regular shoppers.

What are the benefits of the Kotak Urbane Gold Credit Card?

Here are the benefits of real reward points:

1. Earn Reward Points on Every Spend

Get 3 reward points for every ₹100 spent on shopping, dining, or other expenses. These points can be redeemed for vouchers, gifts, and more.

2. Bonus Rewards on High Spending

You receive 4,000 bonus reward points if you spend ₹1 lakh in a year as a milestone.

₹15,000 must be spent in the initial 90 days; accordingly, there is no joining fee charged.

₹1 lakh is spent in a year, and an annual fee is not charged.

4. Fuel Surcharge Waiver:

There is a waiver of 1% on fuel surcharge if transactions are made between ₹500 to ₹3,000.

5. Easy EMI Option:

Purchases above ₹3,000 can be easily converted into EMIs for better financial management.

What are the fees for the Kotak Urbane Gold 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 Urbane Gold Credit Card?

The following are the primary requirements:

You must be between 18 and 70 years old to apply for the Urbane Gold Credit Card.

The income requirement differs according to your employment status:

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

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

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.

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

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.

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 Urbane Gold Credit Card?

The documents that you will have to submit to Get a Urbane Gold 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 Urbane Gold Credit Card be used?

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

With the Urbane Gold 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 Urbane Gold Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The Urbane Gold 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 Urbane Gold Credit Card?

The credit amount you can spend is what you are provided with a Kotak Urbane 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 Urbane Gold 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 Urbane Gold Credit Card.

Just hover your cursor on the Urbane Gold 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 Urbane Gold Credit Card.

Request for the credit card application form for the Urbane Gold 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 Urbane Gold 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 Urbane Gold Credit Card in 2025 be right?

Yes, getting a Kotak Urbane Gold 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 Urbane Gold Credit Card can be a great companion for those who want to manage their everyday expenses smartly. Urbane Gold Credit Card offers its customers a rewarding shopping experience with reward points, movie tickets, and many other great benefits.

The biggest feature of Kotak Gold Credit Card is its simplicity and convenience. All you have to do is use the Kotak Urbane Credit Card for your daily needs and the benefits will automatically get added to your account. Be it grocery shopping, online shopping, or eating at a restaurant, you will get reward points on every spend which you can use for the things you like.

Apart from this, the Urbane Gold Credit Card also gives you the facility of add-on cards so that your family members can also avail of the benefits of the Urbane Gold Card. Kotak Urbane Gold Credit Card not only gives you reward points but also helps you track your expenses, helping you manage your budget better.