Our Money Guide

The Kotak Urbane Gold Credit Card  is a an entry level card from Kotak. It has low minimum income requirement of ₹3 lakhs per year. It also has a low annual card spend target of ₹15000, to get annual fee waiver and make the card virtually free.

However, the rewards on the card are low.

Kotak Urbane

Brief Summary

Our Rating
4.0 / 5

Our View

Best for those who like shopping on Myntra, on such shopping you get 7.50% discount. There is a cashback limit at a transaction level, of ₹750 per transaction, but no monthly card spend cap to earn these special Myntra rewards.

The card also offers 5% cashback on 5 select partners, covering a wide range of services – Swiggy Instamart (grocery) || Swiggy (food delivery) || PVR (movies) || Cleartrip (travel) || Urban Company (beauty salon services, cleaning, home repairs).

You also get complimentary airport lounge access in India – once per quarter.

The card is virtually free from the 2nd year onwards, if you spend ₹2 lakhs or more in the previous year. If you use your card on all the promotion categories on offer, it is possible to achieve this spend target, along with good discounts and cashback.

on Kotak Mahindra Bank website

Kotak Urbane Gold Credit Card 

Special Benefits

7.50% discount on Myntra

Other Benefits

Complimentary domestic airport lounge access

Minimum Income

Not specified

Annual Fee

₹ 500

Annual Fee Offers

Welcome offer worth ₹500

Renewal fee waived at annual card spend of ₹ 2 lakhs

Pros & Cons

Benefits of using the credit card

  • Entry level card from Kotak, with low minimum income requirements and low annual fee
  • Low annual card spend target of ₹15,000, to get annual fee waiver and make the card virtually free

Limitations and drawbacks to consider

  • Low rewards and benefits

Features & Benefits of Kotak Urbane Gold Credit Card 

0.30% benefit on all card spends

You earn 3 reward point worth ₹0.30 (30 paise), on every ₹100 you spend on all card purchases.

1 reward point = ₹0.10 or 10 paise. You can redeem your rewards points on Kotak Rewards (rewards redemption platform), for a variety of shopping e-vouchers, mobile recharges, travel, movies and more.

Additional benefit upto 1.6% (milestone benefit)

Kotak customer care number

Kotak ‘Everyday Specials

Important Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹199
Renewal fee from 2nd year onwards₹199Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹15000 or more in the previous year.

Foreign currency mark-up fee
3.50% of the transaction amount. This fee is charged when you use your card outside India.

Interest Charges on outstanding Balances
3.50% per month (42% per annum)

Important note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– Please click here to view all fees & charges on this card

Eligibility Criteria

Some basic criteria is given below, there maybe additional requirements based on your profile, this is at the sole discretion of Kotak Mahindra Bank.

Minimum age Primary cardholders : 21 years
Add-on cardholders : 18 years or above
Maximum age65 years
Minimum income₹3 lakhs per year
Other criteriaRegular source of income, good credit score preferably above 750
Card sourcing locations Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

Application Process & Tracking Application Status

Step-by-step guide

Online application process 
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Kotak Mahindra Bank website. You can also visit official website of the bank and fill out the application form.

Steps –
1. Fill in the required details in the online application form, including personal and employment details, contact information, and income details.
2. Submit the application form along with the necessary documents such as identity proof, address proof, income proof and age proof.
3. Once your application is received, Kotak Mahindra Bank will review your application and verify the information provided.
4. Upon successful verification, you will receive a confirmation, and your Credit Card will be dispatched to your registered mailing address.
Offline (face to face)  application processAlternatively, you can also apply for the card by visiting the nearest Kotak Mahindra Bank branch, and submitting your application along with the necessary documents. To find the branch nearest to you, please visit here.
Tracking card application statusYou can track your credit card application status by clicking here – Kotak Credit Card Application Status

Necessary documents

Common documents required to attain a credit card are as follows. Additional documents may be required on a case-to-case basis, this is at the sole discretion of Kotak Mahindra Bank.

Required documents 
For salaried employees :
Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one)
Address proof : Utility bill, ration card, passport, driving license, voter ID card (any one)
Income proof : Salary slips, Form 16, income tax returns (any one)
Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one)

For self-employed professionals :
– Identification proof : Aadhaar card, PAN card, driving license, voter ID card, passport (any one)
– Address proof : Utility bill, ration card, passport, driving license, voter ID card , last two months’ bank statement (any one)
– Income Proof : Income tax returns with computation of income, certified financial documents, proof of business continuity (any one)
– Age proof : 10th standard school certificate, birth certificate, passport, voter ID card (any one)
Apply Now

on Kotak Mahindra Bank website

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