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Kotak Urbane Gold Credit Card
Apply for Kotak Urbane Gold Credit Card and earn 3 Reward Points per ₹100 spent, plus 4 free PVR tickets on ₹1 lakh annual spends, at a ₹199 annual fee
Annual Savings
₹10000
Joining Fee
₹0
Annual Fee
₹199
Credit Score
720+
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Smart Analysis
Best For
Online Shopping
Reward Type
Cashback
Network
VISA
Employment
both
Fee Waiver Logic
The annual fee is waived if you spend ₹15 thousand or more in a year on your card, as per bank policy
Expert Tip
If your yearly spends cross the waiver limit, this card practically becomes FREE while still giving premium cashback returns.
Redemption
- Mobile Recharge
- Shopping
- E-Vouchers
- Flight & Hotel Bookings
- Brands Merchandies
Conversion Rate:
1 Reward Point = ₹0.10
All Card Benefits
Detailed reward structure and cashback analysis
| Age Criteria | 21-60 years |
| Salaried Income | ₹3 LPA |
| Self Employed Income | ₹3 LPA |
| CRIF Score | 720+ |
| Income Comment |