Kotak Mahindra Bank
Platinum · Urbane
Kotak Urbane Credit Card
Kotak Mahindra Bank
Platinum card with 10X shopping and 2X dining rewards
Annual Fee
₹999
Joining Fee
₹999
Reward Rate
2.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹1,821
Total Annual Benefits
₹3,000
Total Annual Charges
₹1,179
ROI
154%
Fee Waiver Available
Annual fee waived on spending ₹50,000 in the preceding year — ₹50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (1)
Domestic Lounge Access
2 complimentary domestic airport lounge visits per year
- • 2 visits per year at domestic lounges
2 visits/year
₹4,000/yr
Reward Points (2)
10X Reward Points on Shopping
Earn 10X reward points on shopping transactions
- • Valid on shopping
10X points
2X Reward Points on Dining
Earn 2X reward points on dining transactions
- • Valid on dining
2X points
Reward Program
Program
Kotak Reward Points
10X on shopping, 2X on dining, 1X on others
Effective cashback: 2.00%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & Vouchers
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Shopping
10x multiplier
10X reward points
Dining
2x multiplier
2X reward points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹999 Excluding GST |
| Annual Fee | ₹999 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹35,000
- Min. Annual Income
- ₹4,20,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹35,000
- • Self-Employed: ITR > ₹4.2 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹10.0 L
Permanent Disability
₹10.0 L
Lost Card Liability
₹1.0 L
Report within 24h
- • Credit liability cover: ₹10 Lakh
Airport Lounge Access
Domestic
2 visits/year
Per year
~₹2,000/visit
International
0 visits/year
Not available
Dreamfolks
- • Domestic: 2 complimentary visits per year
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹1,50,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility 10X reward points on shopping 2X reward points on dining 2 domestic lounge visits per year
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Kotak Urbane Credit Card is a feature-rich Visa Platinum card offering 10X reward points on shopping and 2X on dining,Complimentary domestic airpo...
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