cards / credit / kotak mahindra bank / kotak-urbane-credit-card
KOTAK
4242 •••• •••• ••••
YOUR NAME HERE
VISA
↑ Your name appears embossed when you sign in.
§ BENEFITS
lounge
Domestic Lounge Access
2 complimentary domestic airport lounge visits per year
2 visits/year
rewards
10X Reward Points on Shopping
Earn 10X reward points on shopping transactions
10X points
rewards
2X Reward Points on Dining
Earn 2X reward points on dining transactions
2X points
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹4,20,000
- Min monthly salary
- ₹35,000
- Age
- 21 – 65
- Min credit score
- 700
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹999
- Annual fee
- ₹999
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹800
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Fuel waiver
- Not available
§ LIMITS
- ATM / day
- ₹25,000
- POS + e-com / day
- ₹1,50,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹10,00,000
- Permanent disability
- ₹10,00,000
- Air accident
- —
- Travel insurance
- —
- Baggage
- —
- Lost-card liability
- ₹1,00,000
- Purchase protection
- —
† within 24 h of loss
§ REWARDS
- Programme
- Kotak Reward Points
- Earn rate
- 10X on shopping, 2X on dining, 1X on others
- Point value
- ₹0.25
- Effective cashback
- 2.00%
- Min redemption
- 100 pts
- Expiry
- 2 years from date of accrual
§ LOUNGE
- Domestic
- Per year
- International
- Not available
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,000 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Kotak Mahindra Bank and earns no commission on applications.