Kotak UPI RuPay Credit Card

The Kotak UPI RuPay Credit Card is a lifetime-free virtual credit card designed to merge the convenience of UPI payments with the benefits of a traditional credit card. Issued exclusively as a virtual card with no physical plastic, it allows cardholders to link it directly to their preferred UPI apps and make instant payments using their credit limit. The card is available to existing Kotak Credit Card holders aged 18 years and above, making it ideal for digital-first users who want a seamless, wallet-free payment experience. One of the card's standout features is its reward structure, where cardholders earn 3 Reward Points for every ₹100 spent across both UPI and regular credit card transactions, including online and international purchases. Every 1,000 Reward Points translates to ₹100 in value, with a minimum of 1,000 points required for redemption. Points can be redeemed through the Kotak Rewards platform across categories such as mobile recharges, shopping, e-vouchers, movies, and travel. With zero joining and annual fees for life, the Kotak UPI RuPay Credit Card offers genuine value without any recurring costs. Card management, including enabling e-commerce and international transactions, is handled entirely through the Kotak Mobile Banking App, keeping the experience fully digital from start to finish.