Kotak Mahindra Bank · Credit card

Urbane Gold

A credit card from Kotak Mahindra Bank. Facts below come from the issuer's own documents. Network: Visa or Mastercard or RuPay.

Discontinued

This card has been withdrawn by the issuer. Facts are kept for existing holders and reference; offers are not matched to it.

Annual fee

₹199

Fee waiver

Spend ₹15,000 a year

Rewards

General 3 reward points on every ₹100 spent

Benefits & rewards

Issuer information

Rewards: General 3 reward points on every ₹100 spent
Reward cap: Not available

Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information

Annual fee: ₹199
Joining fee: ₹0
Fee waiver: Spend ₹15,000 in a year
Foreign purchases: 3.5% markup on international spends
Eligibility: Not available
Repayment: Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against Kotak Mahindra Bank's own pages. Only independently approved changes appear here.

Fee waiver spend
Newly listed
₹15,000
Fee waiver spend is now listed as ₹15,000
Verified 19 Sep 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

Offers are not matched to cards that are closed or discontinued.