MyFinCards
Urbane Gold Credit Card

Joining Fee

Free

Annual Fee

Rs. 199 + Taxes

Kotak Bank
Rewards
Lifestyle
Best For: Movie enthusiasts, Regular retail shoppers seeking reward points

Urbane Gold Credit Card

Rewards Structure

Base Reward Rate

3% on spends

Point Value

1 Point = ₹0.1

Points Validity

24 Months

Pros

  • 3 reward points per ₹100 on retail spends
  • Milestone benefit of 4 free PVR tickets or 10,000 reward points on ₹1,00,000 annual spend
  • Add-on card with customisable spend limit
  • Reward points redeemable for air tickets, movie tickets, mobile recharge, and branded merchandise

Cons

  • Card is discontinued for new applications
  • Minimum 1,000 reward points required for redemption
  • PVR tickets not applicable for customers in non-PVR location cities
  • PVR movie tickets can only be redeemed online, not at box office
  • Cash redemption value reduced from ₹0.10 to ₹0.07 per point effective 1st June 2025
  • Minimum 2,000 reward points required for cash value redemption effective 1st June 2025

Hidden Catches (Transparency Policy)

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

Reward points on utility spends capped at ₹35,000 per statement cycle from June 2025

Several spend categories excluded from reward points earning from June 2025

PVR tickets must be claimed within 3 months after program period ends

If PVR ticket price exceeds ₹400, cardholder pays the difference plus booking/convenience fees

Key Benefits & Features

Detailed benefits inside

Notable Exclusions

No reward points on Wallet Load spends effective 1st June 2025No reward points on Fuel spends effective 1st June 2025No reward points on Online skill-based gaming spends effective 1st June 2025No reward points on Insurance spends effective 1st June 2025No reward points on Government spends effective 1st June 2025No reward points on Rent spends effective 1st June 2025No reward points on Education spends effective 1st June 2025Reward points on Utility spends capped at ₹35,000 per statement cycle effective 1st June 2025Utility, Wallet Load, Fuel, Online skill-based gaming, Insurance, Government, Rent, Education spends not counted for milestone benefits effective 1st June 2025

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

Official Terms & Conditions

About 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.

Expert Review

Our Verdict

Earn 3 reward points per ₹100 spent with milestone PVR tickets or 10,000 bonus points annually.

Frequently Asked QuestionsAbout Urbane Gold Credit Card

OTHERIs the Kotak Urbane Gold Credit Card still available for new applications?
No, the Kotak Urbane Gold Credit Card has been discontinued and is no longer available for new applications. If you are looking for a similar card, Kotak Bank offers other credit cards with comparable rewards and lifestyle benefits. You can explore alternatives like the League Platinum Card or Kotak811 Dream Different Credit Card on the Kotak Bank website.
REWARDSHow many reward points do I earn on the Urbane Gold Credit Card?
You earn 3 reward points for every ₹100 spent on retail purchases using the Kotak Urbane Gold Credit Card. Please note that effective 1st June 2025, reward points will no longer be earned on Wallet Load, Fuel, Online skill-based gaming, Insurance, Government, Rent, and Education spends. Additionally, reward points on utility spends will be capped at ₹35,000 per statement cycle.
REWARDSWhat is the redemption value of reward points on the Urbane Gold Credit Card?
Every 1,000 reward points are redeemable for ₹100. However, effective 1st June 2025, the cash redemption value will be revised from ₹0.10 to ₹0.07 per reward point, and a minimum of 2,000 reward points will be required for cash value redemption. For other redemption categories such as vouchers and shopping, 1 reward point continues to equal ₹0.10.
USAGEWhat is the minimum number of reward points required for redemption?
A minimum of 1,000 reward points is required for general redemption on the Kotak Urbane Gold Credit Card. However, effective 1st June 2025, if you wish to redeem reward points for cash value, a minimum of 2,000 reward points will be required. Make sure to accumulate the required points before initiating a redemption request.
BENEFITSWhat is the milestone benefit on the Urbane Gold Credit Card?
When you spend ₹1,00,000 in a year, you become eligible for a milestone benefit of either 4 free PVR movie tickets or 10,000 reward points. You can choose your preferred redemption option. Please note that effective 1st June 2025, spends on Utility, Wallet Load, Fuel, Online skill-based gaming, Insurance, Government, Rent, and Education will not be counted towards the milestone calculation.
USAGEHow can I redeem my milestone PVR tickets?
Upon achieving the milestone, a Star Pass Code will be issued to you, which can be redeemed for online PVR movie ticket booking at www.pvrcinemas.com. The tickets are valid for any day and any show and are transferrable. You can claim your PVR tickets within 3 months after the program period ends. Note that PVR tickets cannot be redeemed at the box office and are not applicable for customers residing in non-PVR location cities.
USAGEWhat can I redeem my reward points for on the Urbane Gold Credit Card?
Reward points earned on the Kotak Urbane Gold Credit Card can be redeemed for a variety of options including air tickets, movie tickets, mobile recharges, and branded merchandise. You can also redeem points for cash value. For milestone reward points, you have 3 months after the program period ends to claim them. Redemption is subject to a minimum threshold of 1,000 points (or 2,000 points for cash redemption from 1st June 2025).
BENEFITSWhat are the features of the Add-on Card on the Urbane Gold Credit Card?
The Kotak Urbane Gold Credit Card allows you to get an add-on card that comes with all the benefits of the primary card. You can set a customisable spend limit on your add-on card as per your preference. The spends on each add-on card can be tracked separately, giving you better control over expenses. This makes it convenient to share card benefits with family members while managing individual spending.
USAGEAre PVR movie tickets applicable for all cardholders?
No, PVR movie tickets are not applicable for customers who reside in cities that do not have a PVR cinema location. If you are in a non-PVR city, the PVR ticket milestone benefit may not be available to you. Additionally, PVR movie tickets can only be redeemed online at www.pvrcinemas.com and cannot be redeemed at the box office. If the ticket price exceeds ₹400, the cardholder must pay the difference along with booking or convenience fees.
BENEFITSHow are milestone spends calculated for the Urbane Gold Credit Card?
For milestone benefit calculations, all transactions settled during the milestone period are considered. For example, if the milestone period is 1st January 2021 to 30th June 2021, only transactions settled on or before 30th June 2021 will count towards the milestone. Any transaction settled after this date will be carried over to the next milestone period. Effective 1st June 2025, spends on Utility, Wallet Load, Fuel, Online skill-based gaming, Insurance, Government, Rent, and Education will be excluded from milestone calculations.
FEESWhat are the joining and annual fees for the Urbane Gold Credit Card?
The Kotak Urbane Gold Credit Card does not have a publicly listed joining fee or annual fee based on the available card details. Since the card is discontinued for new applications, fee information may no longer be actively maintained. Existing cardholders can refer to their cardholder agreement or contact Kotak Bank customer support at 1800 4100 (toll-free) for accurate fee-related information.
INTERNATIONALCan I use the Kotak Urbane Gold Credit Card for international transactions?
The Kotak Urbane Gold Credit Card can generally be used for international transactions as it is a standard credit card. However, the forex markup rate for this card is not publicly specified. Cardholders planning international travel or foreign currency transactions should contact Kotak Bank at 1800 4100 or write to customersupport@kotak.com to confirm the applicable foreign currency transaction fees and charges before using the card abroad.
OTHERHow can I contact Kotak Bank for queries related to my Urbane Gold Credit Card?
You can reach Kotak Bank's customer support through multiple channels. Call the toll-free helpline at 1800 4100 for banking needs, complaints, and resolution. You can also email customersupport@kotak.com for written queries. Additionally, you can manage your credit card, track spends, and access card controls through the Kotak Mobile Banking App or Kotak Net Banking portal. You can also locate your nearest branch or ATM using the bank's branch locator.
REWARDSWhat changes are effective from 1st June 2025 for the Urbane Gold Credit Card?
Effective 1st June 2025, several key changes apply to the Urbane Gold Credit Card: reward points on Wallet Load, Fuel, Online skill-based gaming, Insurance, Government, Rent, and Education spends will be discontinued; utility spends will earn reward points only up to ₹35,000 per statement cycle; cash redemption value will reduce from ₹0.10 to ₹0.07 per point; minimum reward points for cash redemption will increase to 2,000; and spends in the above categories will not count towards milestone benefits.
CANCELLATIONHow can I block my Kotak Urbane Gold Credit Card if it is lost or stolen?
If your Kotak Urbane Gold Credit Card is lost or stolen, you can block it immediately through multiple channels. You can use the Kotak Mobile Banking App or Kotak Net Banking portal to access card controls and block the card instantly. Alternatively, you can call the toll-free helpline at 1800 4100 to report the loss and request a card block. It is important to act quickly to prevent any unauthorised transactions on your account.

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