Kotak Urbane Gold Credit Card – Review, Details, Offers, Benefits, Fees, How To Apply, Eligibility, Status, Limit

Kotak Bank – Urbane Gold credit card offers additional reward points on your credit card spend.

Kotak Urbane Gold Credit Card Benefits

  • Joining Benefits :  N/A
  • Benefits
    • Earn 3X reward points against every Rs. 100/- of retail spends  (w0rth Rs 0.22  i.e 0.22%)
    • Every 1000 reward points have a redeemable worth of Rs. 75/-  (1 point = 7.5p)
    • Minimum 1000 points required for redemption
  • Milestone Benefits:
    • Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points (worth Rs 750)
  • Lounge Access (Domestic): No Benefit on this card
  • Movie Tickets:  4 Free tickets on milestone spend
  • Restaurant Offers:  N/A
  • Railway Surcharge waiver:  N/A
  • Fuel:  N/A

Rewards Collection

  • Earn 3X reward points against every Rs. 100/- of retail spends  (w0rth Rs 0.22  i.e 0.22%)
  • Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points (worth Rs 750)

Rewards Redemption

  • Redemption Option 1 (PVR Tickets):
    • 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
    • If price of the ticket is more than Rs. 400, the difference amount shall be paid by the cardholder along with booking/convenience fees
  • Redemption Option 2 (reward Points):
    • Reward points will be credited in the next billing cycle
    • Reward points can be used for a host of redemption options like Airtickets, Airmiles, Movie Tickets, Mobile Recharge / Branded Merchandise
    • You can claim your reward points within 3 months after the program period gets over
  • Pay with Reward Points:
    • Pay without cash. Pay without card
    • Now with your Kotak credit card  reward points are converted into currency at merchant outlets when you shop with your Kotak Credit Card. Know more
  • Redemption options:
    • Cash | Airline tickets | Air Miles | Movie Tickets | Mobile Recharge | Branded Merchandise
    • Visit www.kotak.com
    • Click on Net Banking
    • Login using your CRN, Password & Dynamic Access Code
    • Choose Credit Cards
    • Select Reward Redemption option of your choice.
    • Please note: For redemption against Airline tickets / Merchandise / Mobile recharge, Reward points have to be converted to Easy Points. 5 Reward Point = 1 Easy Point.

Kotak Urbane Gold Credit Card Fees

  • Joining fees: Rs 0
  • Annual Fee: Rs 199  (waived on annual spend of Rs 15000)

How to Apply – You can apply online at Kotak Bank website 

  • Primary Credit Card holder should be in the age bracket of 21 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 – 3 Lakhs and above per annum

Summary

This is a low fee card (Rs 199) that is also waived at low annual spend. The only main benefit if 4 PVR tickets on hitting 1 lakh annual spend( approx 1.6%). 

How useful was this article?

Click on a star to rate it!

Average rating / 5. Vote count:

Note:- We have now replaced the blog comment section with a full discussion forum where you can raise all your queries. Please visit the forum Wealth18.com Discussion Forum for all your queries and participation