Below are the key highlights of kotak urbane credit card:

• Nil joining fee and annual fee is just Rs. 199.
• Annual fee is waived off on minimum retail spends of Rs. 15000 every year.
• Earn 3X reward points on spending every Rs. 100.
• Get a coverage of up to Rs. 50,000 with Urbane Shield against loss or theft of the card.
• Add-on credit card facility available. 
• Minimum Amount Due (MAD) can be 5% or 10% of TAD as decided by the bank.

Following are the main Kotak Urbane credit card features:

Reward Points

• Earn 3X reward points on spending every Rs. 100 on retail transactions.
• You can redeem your reward points when they are 1000. 1000 reward points will be worth Rs. 75 when redeemed.
• Minimum 1000 reward points are must for redemption.

Urbane Shield

• Insure your credit card with Urbane Shield and get a coverage of up to Rs. 50,000 against loss or theft of the card. This is one of the remarkable Kotak Urbane credit card benefits. 
• The loss, theft or misuse of the card must be reported within 7 days of the incident.
• If your card is stolen or lost, call the Kotak Mahindra credit card customer care immediately at 1860 266 2666, and get your credit card blocked or deactivated for preventing its misuse. 

Add-on Card

• You can avail of the Add-on Urban Gold Kotak credit card for your family members, which offers the same benefits as the primary card.
• The Add-on Card is offered at zero additional fee and there is no annual fee involved.  
• You also get the option of setting up a spending limit on the Add-on Card.
• You can keep a track of where you have spent your money with the feature that tracks spending on each of the Add-on Card separately.

Milestone Feature

• Spend Rs. 1 Lakh in a year on your Urbane credit card Kotak and get 4 PVR tickets free or 10,000 reward points.
• PVR tickets are transferable and can be used for any day and any show.
• PVR tickets can be claimed within 3 months after the program period ends.
• Reward points are credited in the next billing cycle and can be claimed within 3 months after the program period ends.
• Reward points can be redeemed against Air tickets, Movie Tickets, Mobile Recharge, Branded Merchandise and so on.

Following are the details of Kotak Urbane credit card charges:

• Joining Fee: Nil
• Annual Fee: Rs. 199. Kotak Urbane credit card annual charges can be waived off on minimum retail spends of Rs. 15,000 annually.
• Interest charges on outstanding balance: 3.50% (42% p.a.)
• ATM Cash Withdrawal/ Fund Transfer/ Call a Draft/ Cash Advance charges per Rs. 10,000 or part thereof: Rs. 300
• Cheque bounce charges: Rs. 500
• Over limit charges: Rs. 500
• Foreign currency markup: 3.5%
• Cash payment at bank: Rs. 100
• Reissuance or replacement of card: Rs. 100 per issuance 
• Late payment charges: 
  • Rs. 100 for statement outstanding below or equal to Rs. 500
  • Rs. 500 for statement outstanding between Rs. 501 to Rs. 10,000
  • Rs. 700 for statement outstanding above Rs. 10,000
• GST & applicable taxes: Charged as per the rates approved under the Finance Act each year on all interest, fees and other charges levied on the Credit Card. 

Below are the detailed eligibility criteria for Kotak Urbane Gold credit card:

• The age of the Primary Card holder should be 21 to 65 years. 
• Add-on Card holder should be aged 18 years and above.
• This card is available at specific location i.e.: Delhi (including Gurgaon & Noida), Mumbai, Navi Mumbai, Pune, Ahmedabad, Bangalore, Hyderabad, Chennai, and Kolkata.
• The minimum income requirement is Rs. 3 Lakhs and above per annum.
• The applicant should be a resident of India.

You will be required to submit the following documents to apply for Kotak Mahindra Urbane credit card:

• Identity proof: PAN Card, Driver’s License, Passport, Aadhaar Card, Voter’s ID Card, Person of Indian Origin Card, Overseas Citizen of India Card, Job card issued by NREGA, or letters issued by the UIDAI (any one).
• Address proof: Aadhaar Card, Passport, Driver’s License, Utility Bill not older than 3 months, Ration Card, Person of Indian Origin Card, Property Registration Document, Job card issued by NREGA, or Bank Account Statement (any one).
• Income proof: Recent 2 salary slips (not older than 3 months), latest Form 16, and last 3 months’ bank statements.

You can redeem your reward points on Urbane Kotak credit card across a variety of categories like Mobile Recharge, E-vouchers across various brands, Shopping across 10,000 products, Movies (BookMyShow Vouchers), Travel, and so on. 

For redemption against Airline tickets, Merchandise, or Mobile recharge, the earned Reward Points have to be converted into EasyPoints. 5 Reward Point = 1 Easy Point.

Here is how to redeem your Kotak Urbane Credit Card reward points:

• Visit the official website of Kotak Mahindra, i.e. www.kotak.com.
• Click on Net Banking and login with your Password, CRN, and Dynamic Access Code.
• Choose Credit Cards option.
• Now choose between the following two options of Reward Redemption:
  • Option 1: Get transferrable PVR tickets for any day and any show. Get the Star Pass Code issued by the bank to be redeemed for PVR Movie Tickets via online booking at www.pvrcinemas.com. PVR tickets can be claimed within 3 months of the end of the program period.
  • Option 2: Get earned reward points credited in your next billing cycle. You can choose how you want to redeem reward points from the options including Air tickets, Air miles, Movie Tickets, Mobile Recharge, or Branded Merchandise. Reward points can be claimed within 3 months of the end of the program period. This offer is available only to those customers who live in PVR location cities.

You can apply for Kotak Urbane Gold Credit Card by following the steps mentioned below:

• Visit Kotak’s website. 
• Fill the form and click on proceed. 
• A bank representative will call you to guide you through the remaining process and set up a meeting on the preferred date, time and place to review the documents.
• Once the documents are submitted they will be verified by the bank.
• On successful verification your request will be approved by the bank.
• Once you agree with all the terms and conditions, your card will be delivered to your address.