Rewards

Kotak Urbane Gold Credit Card

Name: Kotak Urbane Gold Credit Card
Brand: Kotak
Price: 199 INR

Kotak

5.0

CardTrail Score

Decent

out of 10

💰 Net Value

2.4

🔓 Accessibility

8.2

⚡ Feature Depth

2.8

🏦 Bank Trust

7.0

How we score →

Compare This Card Full Details

Annual Fee

₹199

Spend ₹75K/year

Forex Markup

3.5%

Reward Rate

0.3%

Up to 1%

Lounge Access

domestic | 0 intl

About This Card

The Kotak Urbane Gold Credit Card is a rewards credit card from Kotak with an annual fee of ₹199. It earns rewards at 0.3% on everyday purchases. Key perks include fuel surcharge waiver. Best suited for everyday users and entertainment lovers.

Pros & Cons

Pros

Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases

Cons

3.5% forex markup is above average
No complimentary lounge access
Below-average base reward rate

Fee Details

Annual Fee

₹199

Joining Fee

₹199

Fee Waiver Condition

Spend ₹75K/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.3%

Max Rate

Currency

Kotak Rewards

Welcome Bonus

None

Lounge Access

Domestic Lounges

International Lounges

Key Highlights

+ Annual fee ₹199 (waiver: Spend ₹75K/year)
+ Fuel surcharge waiver at all pumps

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