Kotak UPI (Rupay) credit card credit card
Joining Fee:

FREE

Return Percentage:

0.5% to 1%

Credit Card Overview

A Kotak UPI card designed for digital-first users, offering cashback and rewards on UPI-linked credit transactions with simple redemption.

Best Suited For: Cashback, Catalogue Products

Kotak logoKotakRuPay

Fees and charges at a glance

Annual fee
Free

Nothing to pay each year

Joining fee
Free

No cost to get the card

Reward rate
0.5% to 1%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
42% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

Kotak UPI (Rupay) credit card — Earn Categories

Everyday rate

  • Base Rewards3 CashPoints / ₹100

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Wallets
  • Education
  • Rent
  • EMI
  • Fuel
  • Jewellery
  • Utilities
  • Travel