SELECT `id` FROM `tbl_card` WHERE `title` = 'Kotak Mahindra Urbane Gold Credit Card' AND `card_type` = 'Credit Cards' Kotak Mahindra Urbane Gold Credit Card - Benefits, Rewards, Eligibility

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KOTAK MAHINDRA URBANE GOLD CREDIT CARD 

Kotak Mahindra Bank is one the most trusted banks for home loans. It is an Indian private sector bank and its headquarters at Mumbai. Kotak Mahindra Bank offers banking and financial services for corporate and retail customers.There are so many banks and non-banking financial companies in India that provide various financial products to the customers. These can be banking, insurance, loans or credit cards. Kotak Mahindra Finance Ltd. was established in 1985. The same got converted into a bank- Kotak Mahindra Bank Ltd. in March 2003. Kotak Mahindra Bank has presence in commercial vehicles, Retail finance, Corporate Banking, Treasury and Housing Finance.

The Kotak Urbane Credit Card gives you accelerated reward points and the freedom to redeem these points across any shopping that you do. With Urbane the cardholders earn 3 reward points for every Rs.100 spent. Kotak Urbane Gold Credit Card is well-suited to the needs of frequent shoppers as it rewards them for all purchases. Kotak Mahindra bank offers their customers a variety of credit cards ranging everything from lifestyle cards to corporate cards. 

Kotak Mahindra Urbane Gold Credit Card Features

1. Earn 3X Reward Points per Rs.100 spent across all categories

2. Pay with Reward Points at select merchant outlets

3. Get up to 4 PVR Tickets on spending Rs.1 Lakh or more in a year

4. Get 10,000 bonus Reward Points under the Milestone Privilege

5. Credit Shield of up to Rs.50,000 in case of card loss

6. Add-on cards with option to set spending limit

7. Get an add-on card issued on your Urbane Gold Credit Card and extend the benefits to your family members.

Kotak Mahindra Urbane Gold Credit Card Benefits  

Reward type

Lifestyle 

Reward points 

Earn 3X reward every time you spend Rs.100 on retail transactions.

When you earn 1000 reward points, its redeemable worth will be Rs.75.

You must have a minimum of 1000 reward points for redemption

Multiple redemption 

  • Shop with points at select merchant stores

  • Convert reward points into cash

  • Redeem rewards for airline tickets, movie tickets, mobile recharge and more

  • Purchase branded merchandise in exchange for your reward points

Milestone benefits

The milestone feature lets you win 4 free PVR tickets or 10,000 reward points when you spend Rs.1 lakh in a year.

Urban Shield

Enjoy a coverage of Rs.50,000 for fraudulent usage of your card up to a maximum period of 7 days if you report it in advance when your card is stolen.

Kotak Mahindra Urbane Gold Credit Card Fee and charges

To apply for a urbane gold credit card, you have to pay fees and charges applied by the Kotak Mahindra Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from Kotak Mahindra Bank i.e joining fee, annual fee, interest rate, late payments charges etc.

TYPE

CHARGES

Joining Fees

Nil

Annual Fees

Rs. 199

Condition for waiver of Annual Fees - First Year

Minimum retail spends of Rs.15000 each year

Condition for waiver of Annual Fees - Second Year

Minimum retail spends of Rs.15000 each year

Addon card Fees

Nil

Interest Charges on outstanding Balances

3.50% (Annualized 42%)

Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)

MAD can be 5% or 10% of TAD as decided by the Bank

ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof

Rs. 300

Late Payment Charges ("LPC")

Rs. 100 for statement o/s less than or equal to Rs. 500.

Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000.

Rs. 700 for statement o/s greater than Rs. 10,000)

Over Limit Charge

Rs. 500

Cheque Bounce Charges

Rs. 500

Foreign Currency Mark Up

3.5%

Railway Booking Surcharge (1.8%/2.5% on transaction amount)

Applicable

Fuel Surcharge (1% on transaction or INR 10 whichever is higher)

Applicable

Fee for Cash payment at Bank

Rs. 100

Outstation Cheque Processing Fee

Waived

Reissue/ Replacement Card (per issuance)

Rs. 100

Charge Slip Request

Waived

Machine Surcharge at ATMs

Waived

Balance Enquiry Charges at Non Parent Bank ATM

Waived

Duplicate Statement Request

Waived

Web Pay Service Fee

Waived

 

Furnishing a copy of Credit Information Report (CIBIL)

Waived

Kotak Mahindra Urbane Gold Credit Card Eligibility Criteria

Before applying for a urbane gold credit card from Kotak Mahindra Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.

1. You should be aged 21 and above but not more than 65 years to be a primary cardholder. The Add-on cardholder should be aged 18 and above.

2. Customers must be located at any of the following cities to be eligible for the card: Delhi (including Noida and Gurgaon), Chennai, Kolkata, Ahmedabad, Bangalore, Hyderabad, Mumbai, Navi Mumbai and Pune.

3. Must have a minimum annual income of Rs.3 lakh and above.

4. Must be an Indian resident.

Kotak Mahindra Urbane Gold Credit Card Documents Required

Any applicant who is applying for a urbane gold credit card from Kotak Mahindra Bank  must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.

1. KYC Documents = PAN, address proof and ID proof

2. Coloured photograph

3. Income Proof = Last 3 month salary slip

4. Last 3 months bank statement 

5. ITR or Form 16

Kotak Mahindra Bank Credit Card Login 

Cardholders of Kotak Mahindra Bank Credit Card can log in to their credit card account through following steps :

1. Login to www.kotak.com

2. Click on the “Net Banking” option

3. Enter CRN in User ID

4. Enter password or click on "Get Net Banking Password Online"

5. Click on the Credit Card Tab

6. Click on Service Requests

7. Choose “Register for eStatement”

Kotak Mahindra Bank other products

  1. Kotak Mahindra Bank Car Loan

  2. Kotak Mahindra Bank Home Loan 

  3. Kotak Mahindra Bank Education Loan 

  4. Kotak Mahindra Bank Gold Loan

How to apply for Kotak Mahindra Urbane Gold Credit Card

There are two reason to apply for Kotak Mahindra Bank Urbane Gold Credit Card :

1. Offline Method : By visiting the nearest branch of Indusind Bank

2. Online Method 

  • Go to kotak.com and click on Explore Products > Cards > Credit Cards. A page listing all the credit cards will appear

  • Scroll down to ‘Urbane Gold Credit Card’ and click on ‘Apply Now’

  • An application form will appear where you have to fill personal details including the PAN Card Number and monthly income. Once you have filled the details, click on ‘Submit’ 

  • Verify your mobile number by entering the 6-digit OTP sent to your phone

  • After the verification, a representative from the bank will call you and guide you through the remaining process

Kotak Mahindra Urbane Gold Credit Card Customer Care

Contact number : 18602662666 / 18602660811

Email id : itsecurity.bank@kotak.com

Kotak Mahindra Bank Credit Card Payment Online 

Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions. 

1. Login to Kotak Net Banking

2. Select ‘Credit Card’ option from the Home Page

3. Select ‘Payments”

4. Click on ‘Make Payment’ Option

Bank offered Financials products

BUSINESS LOAN

CAR LOAN

COMMERCIAL LOAN 

EDUCATION LOAN

GOLD LOAN

HOLIDAY LOAN 

HOME LOAN 

LOAN AGAINST PROPERTIES 

LOAN AGAINST SECURITIES

PERSONAL LOAN

PROFESSIONAL LOAN

TWO WHEELER LOAN

Kotak Mahindra Urbane Gold Credit Card Frequently Asked Questions 

1. What is a Kotak Mahindra Urbane Gold Credit Card?

The Kotak Urbane Credit Card gives you accelerated reward points and the freedom to redeem these points across any shopping that you do. With Urbane the cardholders earn 3 reward points for every Rs.100 spent.

2. What is the annual fee of a Kotak Mahindra Urbane Gold Credit Card?

The annual fee is Rs.199 of a  Kotak Mahindra Urbane Gold Credit Card.

3. What is the minimum and maximum age the applicant is required to get a Kotak Mahindra Urbane Gold Credit Card?

The minimum age of the applicant is 21 years and maximum age is 65 years to get a  Kotak Mahindra Urbane Gold Credit Card.

4. What are the rewards points given in a Kotak Mahindra Urbane Gold Platinum Credit Card?

The regards points are given in a Kotak Mahindra Urbane Gold Credit Card are :

  • Earn 3X reward every time you spend Rs.100 on retail transactions.

  • When you earn 1000 reward points, its redeemable worth will be Rs.75.

  • You must have a minimum of 1000 reward points for redemption

5. How can I apply for a Kotak Mahindra Urbane Gold Credit Card?

You can apply for a Kotak Mahindra Urbane Gold Credit card online and offline by visiting the nearest bank branch.

6. How do I contact customer care for a Kotak Mahindra Urbane Gold Credit Card?

You can contact through customer care toll free number and also through e-mail id for a Kotak Mahindra Urbane Gold Credit Card.

7. What type of rewards are included in the Kotak Mahindra Urbane Gold Credit card?

Lifestyle rewards are included in the Kotak Mahindra Urbane Gold Credit Card.

8. How much interest rate is provided by a Kotak Mahindra Urbane Gold Credit card?

The interest rate is 3.50% per month provided by a Kotak Mahindra Urbane Gold Credit Card.

9. What are the minimum and maximum late payment charges of Kotak Mahindra Urbane Gold Credit Card?

The minimum late payment charges is 100 and maximum charges are 700 of Kotak Mahindra Urbane Gold Credit Card.

10. What is the joining fee of a Kotak Mahindra Bank Urbane Gold Credit Card?

The joining fee of Kotak Mahindra Bank Urbane Gold Credit Card is NIL.

Last Updated on : 01/Oct/2020

Know More About CREDIT CARDS

Kotak Mahindra Urbane Gold Credit Card

You're eligible for a Kotak Mahindra Urbane Gold Credit Card if you:


Are legally adult enough to handle it


Have still got it


Get a regular pay check


Make more than a basic buck

Your eligibility depends on:


Earn more than minimum income required


Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs


EMIs of other loans loweryour eligibility

Boost your eligibility by:


Pay off your credit card bills


Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account