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Urbane Gold Credit Card by Kotak Mahindra Bank

by Kshitiz V Sharma on

The Bottom Line

Urbane Gold Credit Card
Low Fee, Low Rewards

3 Reward Points / ₹100 on all spends, 4 PVR Tickets or 10,000 on annual spend of ₹1 Lacs.

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.

The Rewards

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 @₹0.10 / reward point

Fees & Charges

Card Urbane Gold Credit Card
Joining Fee Nil
Annual Fee ₹199 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
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Cash Advance Charge ₹300 / ₹10,000 withdrawn
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