Kotak Urbane Gold Credit Card- Urbane gold shopping credit card
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Indialends, 07 Apr 2026

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Kotak Urbane Gold Credit card

What is LAMF Finance Charges (Interest Rates) Late Payment Fees Cash Advance Fees

Kotak Urbane Gold Credit Card suits well to those who love shopping and do the same regularly. For each Rs.100 spent, you will earn 3x reward points and redeem them against the purchases made with your Urbane Gold Credit Card. Read on to know more about Kotak Urbane Credit Card limit, benefits, fees, and more.

Key highlights of Kotak Urbane Gold Credit Card

  • Earn up to 3X reward points for making spending on all categories
  • Get up to 4 PVR Tickets for spending Rs. 1 Lakh or more in a year*
  • Earn 10,000 bonus Reward Points on achieving the Milestone Privilege*
  • Credit Shield of up to Rs. 50,000 in case of card loss
  • Add-on cards allow you to set a spending limit.
  • Your Add-on Card will have all the benefits that you enjoy on your Card

Eligibility criteria to apply for a Kotak Urbane Gold Credit Card

  • The minimum age to apply for a credit card is 21 years and the maximum is 65 years old.
  • Add-on Cardholder should be 18 years and above
  • Location – Ahmedabad, Bangalore, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai, and Pune
  • The minimum income requirement to apply for Kotak Urbane Gold Credit Card is 3 Lac per annum
  • Should be a resident of India
  • Must be having a good credit score of 750, or above.

The documents required to apply for a Kotak Urbane Gold Credit Card

Both Self-employed and Salaried

  • Filled Credit Card Application form
  • Passport-size photographs
  • Identity Proof- PAN Card, Aadhaar Card, Voter ID, Driving License, Passport, etc
  • Residence Proof- Utility bills, PAN Card, Aadhaar Card, etc

Salaried- Income proof

  • Latest salary slips
  • Form 16 of 3 Years
  • Latest 6 months bank statements

Self-employed- Income Proof

  • Income proof
  • Account Statements
  • Business proofs

Kotak Urbane Gold Credit Card fee and charges

Annual Fee Rs. 199 (Waived if annual spends exceed Rs. 15,000)
Interest Charged on Outstanding balance 3.50% or 42%
Minimum Amount Due 5% or 10% of the total amount due as decided by the bank
Late Payment Charges Rs. 100 for amount till Rs. 500
Rs. 500 for an amount between Rs. 500 and Rs. 10,000
Rs. 700 for amounts greater than Rs. 10,000
Overlimit Charges Rs 500
Foreign Currency Mark-up 3.5%
Re-issue of the Card Rs 100

At present, we are not having Kotak Bank Credit Cards, but we have 50+ credit cards of the top banks like HDFC, YES, CITI, IndusInd, SBI, and RBL that are offering best-in-class rewards, cashback, and discounts on spending in all the categories.

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

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FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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