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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.3% | 1.1% | 0.7% | 0.5% | 0.4% |
| Est. Monthly Reward (₹) | 10 | 110 | 140 | 230 | 380 |
| All-India Rewards Rank* | 123 | 37 | 121 | 266 | 298 |
| Within Bank Rank* | 5 | 1 | 5 | 11 | 14 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The Urbane Gold Credit Card gives 0.30% effective reward on all spends, with no caps.
We estimate this card has a net reward yield of 0.3-1.1% on spending any amount in a month, makes it a a below average card in terms of rewards.
The 811 #DreamDifferent Credit Card is the best entry level credit card from Kotak Mahindra Bank, with a yield of 0.4-1%.
If you are spending between ₹10,000 – 20,000 a month on your card, consider the Kotak Indigo Ka-ching 6E Rewards Credit Card with a yield of 0.7-1.1%
The Kotak IndiGo Ka-ching 6E Rewards XL Credit Card is the best choice for Kotak Mahindra Bank customers who charge ₹20,000+ a month on their card. You can earn a net rewards yield of up to 2.3% with this card.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Urbane Gold Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 3 Reward Points / ₹100 on all spends |
| Milestone Rewards | 4 PVR Tickets or 10,000 on annual spend of ₹1 Lacs |
| Other Rewards | Nil |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Redeem on kotakrewards.com @₹0.10 / reward point |
| Card | Urbane Gold Credit Card | |
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | ₹199 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹15,000 | |
| Income Criteria | Salaried | ₹3 Lacs p.a. |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 42.00% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | ₹300 / ₹10,000 withdrawn | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
