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Kotak Urbane Gold Credit Card Review – Urbane Gold is another Fantastic Reward Points-Based card issued by Kotak Mahindra Bank. it is an entry-level card that allows earning rewards on per-day shopping. it comes with Urbane Shield, Milestone Benefits, And Low Annual Maintenance Charges. Moreover, It could be a beneficial card for everyday retail shopping. it offers to Earn 3 Kotak reward points against every ₹100 or Above of retail purchases.

Furthermore, it also supports Additional Kotak bank benefits such as –

  1. Urbane Shield – Credit Card stolen Protection

  2. Add-on Card – Set Spendit Limit & Same Benefits such as primary card

  3. Milestone Feature – when you spend cross 1 lakh in a year. you are eligible to get 4 complimentary PVR Movie tickets or 10,000 reward points

  4. Reward Points – Each Purchase

  5. Easy EMI Facility – Convert Big Purchases

  6. Fast Processing

You can get all these benefits with just annual maintenance charges of ₹199. moreover, it comes with Annual Fees Waiver Feature. you will have to follow a condition to get annual maintenance charges waiver. to be eligible for an annual fee waiver feature, you have to Minimum retail spending of ₹15000 each year by using the urbane gold card.

Through this Article, we will share with you a brief review of the Kotak Urbane Gold Credit Card which can find all solutions to your queries related to the Kotak Urbane Gold Credit Card. for instance, limit, airport lounge access, benefits, charges, eligibility, and more.

What Are The Kotak Urbane Gold Credit Card Offers And Benefits

Kotak Urbane Gold Credit Card offers 2000 bonus reward points on your 1st Card Swipe as a welcome gift. it mainly focuses to offers rewards for daily shopping. it allows getting 3X Reward points on retail shopping. it is an entry-level card for earning rewards on retail purchases upto ₹100.

it is available for those who earn 3 lahks per year. it could be a fantastic card to choose from as per its low maintenance annual charges and 3X Reward points on shopping. Moreover, it also offers an Urbane Shield feature to protect you from preventing misuse of your card and deactivation/blocking immediately.

Milestone Benefits

As a Milestone Gift of using an Urbane Gold Card, If you do shopping upto 1 lakh within 1 Year. it offers Optional Milestone Gifts.

  1. 4 Complimentary PVR Cinema Movie tickets (OR)

  2. 10,000 reward points As A Milestone Bonus

You can choose anyone and redeem it quickly. here are the steps –

  1. If you choose – 4 Complimentary PVR Cinema Movie tickets Milestone Gift – You can visit You will get Star Pass Code to redeem it online process. you can use and watch any movie and show.

  2. If you choose 10,000 reward points Milestone Gift – they will automatically be credited and reflected on your credit card next billing cycle and you can redeem them into various options such as redemption options like Airtickets, Movie Tickets, Mobile Recharge / Branded Merchandise.


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