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Urbane Gold Credit Card

We know you love to get more out of your money. With Urbane Gold Credit Card, you will get just that with 3 reward points on every Rs. 100 spent. So start shopping and reward yourself, today!

Earn 3 Reward Points

Enjoy Reward Points on spends done against every Rs.100/- spent.

Add-on Card

Get an add-on card and enjoy added benefits with it.

Free PVR tickets or Reward points

Avail Free PVR Tickets and many more rewards such as redemption on airmiles, air tickets, recharges etc.

Reward Points
- Earn 3 reward points against every Rs. 100/- of retail spends
- Every 1000 reward points have a redeemable worth of Rs. 100/-
- Minimum 1000 points required for redemption
Add-on Card
- Your Add-on Card will have all the benefits that you enjoy on your Card
- Set the spend limit on your Add-on Card as you desire
- Track spends separately for each of your Add-on Card(s)
Milestone Feature
Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points
- Redemption Option 1:
  - PVR tickets can be used for any day and any show and are transferrable
  - Star Pass Code will be issued which can be redeemed for online PVR Movie Ticket booking at www.pvrcinemas.com
  - You can claim your PVR tickets within 3 months after the program period gets over
- Redemption Option 2:
  - Reward points will be credited in the next billing cycle
  - Reward points can be used for a host of redemption options like Airtickets, Movie Tickets, Mobile Recharge / Branded Merchandise
  - You can claim your reward points within 3 months after the program period gets over
- If price of the ticket is more than Rs. 400, the difference amount shall be paid by the cardholder along with booking/convenience fees.PVR tickets will not be applicable for customers who fall under non - PVR location city.PVR movie tickets can be redeemed online only on www.pvrcinemas.com. PVR movie tickets cannot be redeemed at Box office.

For milestone benefits, all transactions settled during milestone period will be considered. Example- Milestone period is 1st Jan 2021 to 30th June 2021, then the transactions settled till 30th June 2021 will be considered for milestone benefits”. Any transaction settled after 30th June 2021 will be considered in next milestone period.

Check your eligibility for the Urbane Gold Credit Card.
Explore more credit card options that best suit your needs.

Disclaimer

Important Notification: Please note that effective 9th October 2012, your Milestone program benefit has changed from 1 free IndiGo ticket to 4 free PVR tickets.

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Frequently Asked Questions

What is a credit card balance transfer?

Credit card balance transfer is the process of transferring owed balance from one credit card account to another. Upon carrying out this process, the debt is owed to the new card issuer as opposed to the original card issuer.

Why should I select a Kotak Credit Card?

Kotak Credit Cards symbolize the following guiding principles:

Simplicity

Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.

Transparency

Kotak Credit Cards are transparent in communicating upfront what the Card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this Card.

Relevance

Kotak Credit Cards have understood what you need the most from your credit Card, and have been designed to give you only those benefits that are most relevant for you.

This promise from Kotak ensures that you only get the best from your credit Card!

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Why should I choose an Urbane Card? Are there any specific benefits that I get?

The Kotak Urbane Credit Card gives you accelerated reward points and the freedom to redeem these points across any shopping that you do.

With Urbane the cardholders earn 3 reward points for every Rs. 100 spent .Cardholders can redeem their reward points online at www.kotakcards.com/rewardredemption for a host of benefits like Movie tickets, Air tickets, Air miles, Cash and more .

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Do I enjoy any interest free period on retail?

Yes, you enjoy an interest free period on retail transactions of up to 48 days.

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Do I enjoy any interest free period on cash?

The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal.

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