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Kotak UPI RuPay Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Kotak Bank
Rewards
Shopping
Best For: UPI-first users who want to earn rewards on UPI transactions, Existing Kotak Bank customers looking for a no-fee credit card, Digital payment enthusiasts who prefer going wallet-free

Kotak UPI RuPay Credit Card

Rewards Structure

Base Reward Rate

3% on spends

Point Value

1 Point = ₹0.1

Earning Cap

₹35,000 /statement_cycle

Pros

  • Lifetime free – no joining or annual fee
  • UPI payments via credit card on preferred UPI apps
  • 3 Reward Points per ₹100 on UPI and regular transactions
  • Instant virtual card, no physical card needed

Cons

  • Virtual card only – no physical card issued
  • Must be an existing Kotak Credit Card holder to apply
  • Reward points not earned on Rent, Fuel, Railway, Wallet Loading, EMI, Education, Balance Transfer
  • From June 2025: Insurance, Government, Online Skill-based Gaming, and Utility spends beyond ₹35,000/cycle won't earn points
  • Cash redemption value reducing from ₹0.10 to ₹0.07 per point from June 2025; minimum 2,000 points required for cash redemption

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Only existing Kotak Credit Card holders are eligible

Utility spend reward points capped at ₹35,000 per statement cycle from June 2025

Cash redemption value per reward point will decrease from ₹0.10 to ₹0.07 from June 2025

Minimum 2,000 points required for cash value redemption from June 2025

Key Benefits & Features

Virtual card only – no physical card issued; auto-registered in Kotak Mobile Banking App

Link card on UPI Apps and make UPI payments using credit card

Lifetime free card with zero joining and annual fees

Every 1,000 Reward Points equivalent to ₹100; minimum 1,000 points required for redemption

Redeem points for Mobile Recharge, Shopping, E-vouchers, Movies, Travel and more via Kotak Rewards

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYEDRETIREDSTUDENT

Notable Exclusions

No reward points on Rent transactionsNo reward points on Fuel transactionsNo reward points on Railway transactionsNo reward points on Wallet Loading transactionsNo reward points on EMI transactionsNo reward points on Education transactionsNo reward points on Balance Transfer transactionsNo reward points on Insurance transactions (effective 01 June 2025)No reward points on Government transactions (effective 01 June 2025)No reward points on Online Skill-based Gaming transactions (effective 01 June 2025)No reward points on Utility spends beyond ₹35,000 per statement cycle (effective 01 June 2025)

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About 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.

Expert Review

Our Verdict

Lifetime free virtual RuPay card with UPI linking & 3X reward points on every ₹100 spent.

Frequently Asked QuestionsAbout Kotak UPI RuPay Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Kotak UPI RuPay Credit Card?
To apply for the Kotak UPI RuPay Credit Card, you must meet two key requirements: you must be at least 18 years of age, and you must already be an existing Kotak Credit Card holder. This card is not available to new-to-Kotak customers or those who do not hold an existing Kotak Credit Card.
FEESWhat are the joining and annual fees for the Kotak UPI RuPay Credit Card?
The Kotak UPI RuPay Credit Card is a lifetime free card with zero joining fees and zero annual fees. There are no conditions attached to this waiver — the card remains completely free for its entire lifetime, making it a cost-effective option for users who want to enjoy UPI-linked credit card benefits without any recurring charges.
REWARDSHow many reward points do I earn on the Kotak UPI RuPay Credit Card?
You earn 3 Reward Points for every ₹100 spent using the Kotak UPI RuPay Credit Card. Reward points are accrued on both UPI transactions and regular credit card transactions, including online/e-commerce and international transactions made virtually. However, points are not earned on categories such as Rent, Fuel, Railway, Wallet Loading, EMI, Education, and Balance Transfer.
REWARDSWhat is the value of reward points and how can I redeem them?
Every 1,000 Reward Points are equivalent to ₹100, and a minimum of 1,000 points is required for redemption. You can redeem points via Kotak Rewards across categories like Mobile Recharge, Shopping (10,000+ products), E-vouchers, Movies, and Travel. Note: From June 1, 2025, the cash redemption value changes from ₹0.10 to ₹0.07 per point, and a minimum of 2,000 points will be required for cash redemption. For non-cash categories, 1 point = ₹0.10.
REWARDSWhich spending categories will not earn reward points from June 2025?
Effective June 1, 2025, reward points will not be earned on Wallet Load, Online Skill-based Gaming, Insurance, Government, Rent, Education, Fuel, and Railway spends. Additionally, Utility spends beyond ₹35,000 per statement cycle will also not earn reward points. These exclusions are determined based on Merchant Category Codes (MCCs) assigned by card networks. Spends in these categories will also not count toward any milestone benefits.
BENEFITSIs the Kotak UPI RuPay Credit Card a physical card or a virtual card?
The Kotak UPI RuPay Credit Card is issued as a virtual card only — no physical card is issued. The card details are automatically registered in the Kotak Mobile Banking App under the Credit Card section. You can view your card details by logging into the app, navigating to 'Credit Card', and then 'Card Overview'. No wallet or physical plastic is required to use this card.
USAGEHow do I make UPI payments using the Kotak UPI RuPay Credit Card?
You can link your Kotak UPI RuPay Credit Card on your preferred UPI apps and set a UPI PIN to start making UPI transactions. Since the card is built on the RuPay network, it supports UPI-linked credit card payments seamlessly. For detailed steps on how to link your RuPay Credit Card on UPI apps, you can refer to the instructions available on the Kotak Bank website.
USAGEHow do I manage card settings like enabling online or international transactions?
To enable e-commerce/online and international transactions, or to manage other card usage settings, log in to the Kotak Mobile Banking App, go to the 'Credit Card' section, then 'Card Overview', and click on the 'Card Control' tab. From here, you can customize your card settings as needed. Since this is a virtual card, all management is done digitally through the app.
APPLICATIONHow do I apply for the Kotak UPI RuPay Credit Card?
Since the Kotak UPI RuPay Credit Card is available only to existing Kotak Credit Card holders, you can apply through the Kotak Mobile Banking App or Kotak Netbanking portal. The card is issued as an instant virtual card, meaning you receive it digitally without the need for a physical delivery process. You must be at least 18 years old and hold an active Kotak Credit Card to be eligible.
INTERNATIONALCan I use the Kotak UPI RuPay Credit Card for international transactions?
Yes, international transactions made virtually are considered regular credit card transactions and are eligible to earn reward points. However, since this is a virtual RuPay card, international usage may be limited compared to Visa or Mastercard products, as RuPay acceptance varies by country. To enable international transactions, you need to activate the setting via the 'Card Control' tab in the Kotak Mobile Banking App.
ELIGIBILITYIs there a minimum income requirement to apply for the Kotak UPI RuPay Credit Card?
No specific minimum income requirement has been mentioned for the Kotak UPI RuPay Credit Card. The primary eligibility criteria are that the applicant must be at least 18 years of age and must already be an existing Kotak Credit Card holder. Since this is an add-on virtual card product for existing customers, income eligibility is typically assessed based on your existing Kotak Credit Card profile.
DOCUMENTSWhat documents are required to apply for the Kotak UPI RuPay Credit Card?
Since the Kotak UPI RuPay Credit Card is available exclusively to existing Kotak Credit Card holders, separate documentation is generally not required for this card. Your KYC and financial details already on file with Kotak Mahindra Bank from your existing credit card relationship will be used. However, you may be asked to verify your identity through the Kotak Mobile Banking App during the application process.
OTHERHow do I contact Kotak Bank for queries related to the UPI RuPay Credit Card?
You can reach Kotak Mahindra Bank through multiple channels for support related to the UPI RuPay Credit Card. Call the toll-free number 1800 4100 for banking needs, complaints, and resolution. You can also email the customer support team at customersupport@kotak.com. Additionally, you can visit your nearest Kotak Bank branch or use the Help Center, Service Requests, and Chat features available on the Kotak website or Mobile Banking App.
CANCELLATIONCan I cancel or close the Kotak UPI RuPay Credit Card?
Yes, you can request cancellation of the Kotak UPI RuPay Credit Card by contacting Kotak Mahindra Bank's customer support via the toll-free number 1800 4100, emailing customersupport@kotak.com, or submitting a service request through the Kotak Mobile Banking App or Netbanking portal. Since this is a virtual card with no annual fee, there are no cancellation charges. It is advisable to redeem any outstanding reward points before initiating the cancellation.
USAGEWhat is Kotak Rewards and how does it work with the UPI RuPay Credit Card?
Kotak Rewards is the unified reward point redemption platform for Kotak credit cards. With the Kotak UPI RuPay Credit Card, you accumulate reward points on eligible transactions and can redeem them through Kotak Rewards for Mobile Recharge, Shopping across 10,000+ products, E-vouchers from various brands, Movies, Travel, and more. For non-cash categories, 1 Reward Point = ₹0.10. From June 1, 2025, cash redemptions will be valued at ₹0.07 per point with a minimum of 2,000 points required.

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