Urbane Gold Credit Card

The Kotak Urbane Gold Credit Card is designed for shoppers and lifestyle enthusiasts who want to maximize the value of every rupee spent. At its core, the card rewards cardholders with 3 reward points for every Rs. 100 spent on retail purchases, with every 1,000 points carrying a redeemable value of Rs. 100. Points can be redeemed across a wide range of options including air tickets, movie tickets, mobile recharges, and branded merchandise, making it a versatile everyday companion. One of the card's standout features is its milestone benefit — spend Rs. 1,00,000 in a year and earn either 4 free PVR movie tickets or 10,000 bonus reward points. The PVR tickets are valid for any day and any show, and can be conveniently redeemed online at pvrcinemas.com. Add-on cards are also available, offering the same benefits while allowing cardholders to set individual spend limits and track usage separately. It is worth noting that this card has been discontinued for new applications. Additionally, effective June 2025, certain changes apply — reward points on wallet loads, fuel, insurance, government, rent, and education spends will be discontinued, and the cash redemption value per point will be revised from Rs. 0.10 to Rs. 0.07, with a minimum of 2,000 points required for cash redemptions.