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Kotak Urbane Gold Credit Card

Kotak Mahindra BankLast checked 11 Oct 2026closed to new applicants

The Kotak Urbane Gold Credit Card costs Rs 199 a year, waived if you spend Rs 15,000 in a year. It earns 3 points per Rs 100 on retail spends. The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.

Annual fee
Rs 199+ GST
Fee waived at
Rs 15,000annual spend
Base return
—
Forex markup
3.5%
Interest
3.75%a month

Fees

Joining feeFree
Annual feeRs 199
Annual spend that waives the feeRs 15,000
Fee notesNil joining, Rs 199 annual, waived on Rs 15,000 retail spend in the year.

Rewards

Reward currencyReward Points
Base earn3 points per Rs 100 on retail spends
Milestone benefits4 PVR tickets or 10,000 points at Rs 1 lakh annual spend

Travel and perks

Forex markup3.5%
Fuel surcharge waiverNot eligible

Charges and eligibility

Interest per month3.75%
Late payment feeBy outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300
Cash advance fee2.5% min Rs 500
Fine-print notesDiscontinued for new applications. Point value not read. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.

Questions

What is the annual fee of the Kotak Urbane Gold Credit Card?
Rs 199 a year, before GST. It is waived if you spend Rs 15,000 in a year.
What is the forex markup on the Kotak Urbane Gold Credit Card?
3.5% of each foreign-currency transaction, before GST.