Joining Fee:
FREE
Return Percentage:1% to 2%
Credit Card Overview
An Urbane Gold card offering cashback and rewards on essential shopping categories, crafted for budget-conscious everyday users.
Best Suited For: Cashback
Kotak
Fees and charges at a glance
- Annual fee
- ₹199
- Joining fee
- Free
- Reward rate
- 1% to 2%
- Forex markup
- 3.5%
- Interest rate
- 42% p.a.
- Add-on card
- Free
Charged every year you keep the card
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Kotak Urbane Gold credit card — Earn Categories
Everyday rate
- Base Rewards3 Kotak Rewards / ₹100
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Wallets
- Education
- Rent
- Fuel
- EMI
- Utilities