Hot Deal

Kotak launch Urbane Gold RuPay Credit Card, 4 free PVR tickets & more

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Finance Ninja
abhishek012
https://www.kotak.com/en/personal-banking/cards...

Kotak launch Urbane Gold RuPay Credit Card, 4 free PVR tickets & more:

Kotak bank Urbane Gold RuPay Credit Card -

We know you love to get more out of your money. With Urbane Gold Credit Card, you will get just that with 3 reward points on every Rs. 100 spent. So start shopping and reward yourself, today!

urbane-cc-d

Earn 3 Reward Points

Enjoy Reward Points on spends done against every Rs.100/- spent.

Urbane Shield

Insure your Credit Card and get cover upto Rs.50,000 incase of theft or loss.

Add-on Card

Get an add-on card and enjoy added benefits with it.

Free PVR tickets or Reward points

Avail Free PVR Tickets and many more rewards such as redemption on airmiles, air tickets, recharges etc.

  • Reward Points
    • Earn 3 reward points against every Rs. 100/- of retail spends
    • Every 1000 reward points have a redeemable worth of Rs. 100/-
    • Minimum 1000 points required for redemption
  • Urbane Shield
    • In case your Credit Card is stolen.
    • You are required to immediately call Customer Contact Center (1860 266 2666) and get your card deactivated / blocked to prevent misuse
  • Add-on Card
    • Your Add-on Card will have all the benefits that you enjoy on your Card
    • Set the spend limit on your Add-on Card as you desire
    • Track spends separately for each of your Add-on Card(s)
  • Milestone Feature
    Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points
    • Redemption Option 1:
      • PVR tickets can be used for any day and any show and are transferrable
      • Star Pass Code will be issued which can be redeemed for online PVR Movie Ticket booking at www.pvrcinemas.com
      • You can claim your PVR tickets within 3 months after the program period gets over
    • Redemption Option 2:
      • Reward points will be credited in the next billing cycle
      • Reward points can be used for a host of redemption options like Airtickets, Movie Tickets, Mobile Recharge / Branded Merchandise
      • You can claim your reward points within 3 months after the program period gets over
    • If price of the ticket is more than Rs. 400, the difference amount shall be paid by the cardholder along with booking/convenience fees.PVR tickets will not be applicable for customers who fall under non - PVR location city.PVR movie tickets can be redeemed online only on www.pvrcinemas.com. PVR movie tickets cannot be redeemed at Box office.

For milestone benefits, all transactions settled during milestone period will be considered. Example- Milestone period is 1st Jan 2021 to 30th June 2021, then the transactions settled till 30th June 2021 will be considered for milestone benefits”. Any transaction settled after 30th June 2021 will be considered in next milestone period.

Check your eligibility for the Urbane Gold Credit Card.
Explore more credit card options that best suit your needs.

Rewards Redemption
  • Kotak Rewards:
    • Introducing Kotak Rewards - your new point redemption currency that simplifies managing rewards points on your Kotak credit cards. Redeem your points across a variety of categories like Mobile Recharge, Shopping across 10,000 products, E-vouchers across various brands, Movies (BookMyShow Vouchers), Travel and many more! T&C Apply. Redeem Now
  • Pay with Reward Points:
    • Pay without cash. Pay without card. Know More

Explore more credit card options that best suit your needs.

Eligibility Criteria
  • Primary Card holder should be in the age bracket of 21 years to 65 years. Add-on Card holder should be 18 years and above
  • Location – Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
  • Income – Rs. 3 lac and above per annum
  • Should be a resident of India

Know the fees and charges for the Urbane Gold Credit Card.
Explore more credit card options that best suit your needs.

Fees & Charges
Fee & other Parameters Urbane
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 Waiver Not Applicable
Fuel Surcharge Waiver Not Applicable
Fee for Cash payment at Bank Rs. 100
Outstation Cheque Processing Fee Waived
Reissue/ Replacement Card (per issunace) 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
Please Note:
GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card


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    Disclaimer
    We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.

    Deal Wiki

    38 Comments  |  
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    Deal Cadet Deal Cadet
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    Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points.

    Deal Newbie Deal Newbie
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    reward points value
    View 1 more reply
    Freebie Finder Freebie Finder
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    There is no such Kotak credit card which are having a better reward points value, they are worst in this industry and also this credit card is not LTF.

    Finance Mentor Finance Mentor
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    @LG50 bro I have 2 LTF cc from Kotak 

    Deal Cadet Deal Cadet
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    Which ones?

    View 2 more replies
    Finance Mentor Finance Mentor
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    Legend And Royale Signature

    Deal Cadet Deal Cadet
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    Both Cards are on same CRN No.? Btw how did you get 2 LTF from Kotak, because their Customer Service Executive has informed that they have Single Card Policy. sweat
    View 8 more replies
    Deal Lieutenant Deal Lieutenant
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    One More Worst Rupay CC Joined In The List 😀

    Finance Mentor Finance Mentor
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    I have a non rupay variant of this card LTF. One of the most useless rewarding card I have seen. Never use this unless there's a kotak specific offer running.

    Bakwaas: "3 reward points on every Rs. 100 spent"

    Talk-Of-The-Town Talk-Of-The-Town
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    Do we need to account with kotak to get ltf kotak cc

    Hunk Hunk
    Link Copied
    No.
    Finance Mentor Finance Mentor
    Link Copied

    Is there any openly available LTF Rupay CC yet?

    Deal Newbie Deal Newbie
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    I have upgraded my kotak urbane gold visa credit card to kotak urbane gold rupay credit card through email. On call to kotak customer care they refuse to convert visa to rupay & told me that if you required rupay credit card then apply freshly & no other option available. Although they provide me rupay varient by email them, I received call back from kotak customer care, they take my request & provide my rupay varient.  Process for email link below 

    https://www.kotak.com/en/customer-service/conta...

    Finance Ninja Finance Ninja
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    Hey can you share your physical Urbane RuPay Credit card masked image ?
    View 2 more replies
    Deal Newbie Deal Newbie
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    kotakrupay

    kotakrupay2

    Finance Ninja Finance Ninja
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    Thanks
    Deal Cadet Deal Cadet
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    In the hopes of getting this Rupay Card, I tried the direct link on the Kotak website to apply for it. I had to try twice due to screen refresh issues but each time I got OTPs to login and select the card based on income range selection. However, this card was not shown and as nothing worked, I logged in to my net banking (I'm a Kotak customer as well) where I could select the Urbane Gold card but that ended up with a blank screen and subsequently "rejected as per internal criteria". The likely reason is my PIN Code is a rural one where Kotak does not have a branch.

    Now the bigger concern is when does CIBIL get hit? In the first attempt itself or sometime later during the approval process?

    Savings Mentor Savings Mentor
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    With Urbane Gold on RuPay linked to UPI, would be very easy to achieve yearly 15K spends to waive the ₹199 charges. I am going to try applying for this one on RuPay in addition to my Zen Signature Visa LTF CC.

    Finance Ninja Finance Ninja
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    Now apply Kotak Urbane Credit Card RuPay JCB variant directly from Kotak website, RuPay variant is showing -

    kr


    Savings Mentor Savings Mentor
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    Is the First Year Annual Fee applied at the time of joining and then reversed upon spends of 15K or applied at the beginning of 2nd year?

    Finance Ninja Finance Ninja
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    No, first year free.
    Deal Newbie Deal Newbie
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    @ajaystarin , I sent e-mail twice, RBI letter but all in vain, they refused staightly Screenshot2023-12-11-12-39-36-9356514063904998099a7290fdb861fa95

    Deal Newbie Deal Newbie
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    Now rupay varient of this card not visible in their site. Also double confirmed with customer care, the Rupay varient of the Kotak Urbane Gold card removed from kotak site.

    Finance Ninja Finance Ninja
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    RuPay and Visa both variant removed - https://cards.kota...m/

    You can apply RuPay League LTF card, Scroll down and choose "League RuPay" option - https://cards.kota...m/
    View 1 more reply
    replyuser
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