Discontinued for new applicants
Kotak Urbane Gold Credit Card Review
The Kotak Urbane Gold is a low-fee, entry-level rewards card built around everyday shopping points and a yearly milestone reward. It’s straightforward and cheap to hold, making it a reasonable starter card. Here is the verified review.
- Very low ₹199 fee, waived at ₹15,000 spend
- 3 reward points per ₹100 (none on fuel, rent, wallet, insurance, government or education)
- Milestone: 4 PVR tickets or 10,000 RP on ₹1 lakh
- Flexible redemption (cash, air miles, movies, recharge)
- Good entry-level / starter card
- Modest point value (₹0.10 per RP; ₹0.07 as cash)
- No lounge access
- Minimum 2,000 RP for cash redemption
- Entry-level benefits overall
- Discontinued for new applications
Fees & rewards
| Item | Detail |
|---|---|
| Annual fee | ₹199 (waived on ₹15,000 annual spend) |
| Rewards | 3 RP per ₹100 |
| Milestone | 4 free PVR tickets OR 10,000 RP on ₹1 lakh annual spend |
| Point value | ₹0.10/RP on vouchers & shopping; ₹0.07/RP as cash (min 2,000 RP) |
| Redemption | Cash, airline tickets, air miles, movies, recharge, merchandise |
Eligibility & documents
Age
18+ (per Kotak norms)
Income
Per Kotak eligibility
Recommended CIBIL
~700+
Network
Visa
Best for
First-time / budget rewards users
Documents
PAN, Aadhaar, income & address proof
Rewards & the milestone
At 3 RP per ₹100 with points worth roughly ₹0.10 each, the base return is modest — this is an entry card, not a high earner. Its best feature is the annual milestone: spend ₹1 lakh in a year and you can take 4 PVR movie tickets or 10,000 reward points, which materially lifts the effective value for someone who’d hit that spend anyway. With the fee waived at just ₹15,000 spend, holding cost is essentially nil for active users.
Who this card is for
- Best fit: first-time or budget users who want a cheap rewards card and will use the PVR milestone.
- Skip if: you want lounge access, travel perks or a high reward rate.
How to apply & how to cancel
Apply: Kotak has discontinued this card for new applicants. Cancel: call Kotak customer care after clearing dues; redeem points first (minimum 1,000 RP).
Final verdict
The Kotak Urbane Gold is an inexpensive, no-frills rewards card whose annual PVR/points milestone is its main draw. The base reward value is modest and there’s no lounge access, so view it as a low-cost starter card for everyday spends rather than a primary rewards engine. Kotak has discontinued it for new applicants; existing holders keep these benefits.
Frequently asked questions
What is the joining fee?
The annual fee is ₹199, waived on ₹15,000 of annual spend.
What’s the milestone benefit?
On ₹1 lakh of annual spend you can claim 4 free PVR movie tickets or 10,000 reward points.
What are points worth?
Points are worth ₹0.10 each on vouchers and shopping, or ₹0.07 each as cash, with a 2,000-point minimum for cash.
Does it have lounge access?
No — it’s an entry-level card without complimentary lounge access.
Data current as of October 2026, cross-checked against Kotak’s official page. The card is discontinued for new applicants; existing cardholders should confirm terms on kotak.bank.in.