Kotak UPI RuPay Virtual Credit Card
3 points per ₹100 eligible online virtual-card purchase at ₹0.07 statement value each after 2,000 points.
Try your spend →How this estimate works
Kotak UPI RuPay is a virtual-only card for existing Kotak credit-card holders. The bank gives 3 points per complete ₹100 on eligible UPI merchant transactions and regular online or e-commerce purchases made with the virtual card. This calculator scores only the online-card route, not a promise that every UPI transfer or physical shop accepts the card. Kotak changed statement cashback value to ₹0.07 per point with a 2,000-point minimum in June 2025; its older 1,000-point minimum in the same product page is superseded. Vouchers and other rewards may be worth ₹0.10 per point, but are not assumed. A year of twelve equal purchases yielding fewer than 2,000 points scores no usable one-year statement value, not point expiry. Fuel, rail, rent, wallets, EMI, education, balance transfers, insurance, government and skill gaming do not earn points; utility points stop after ₹35,000 each statement cycle, so its generic route is unscored. Kotak lists no joining or annual fee. Verify virtual merchant acceptance, actual category and redemption minimum before relying on this return.
Issuer terms
Kotak UPI RuPay product and June 2025 point value · Kotak reward terms and category exclusions · Kotak UPI RuPay fee statement
Terms checked 29 September 2026. Compare your actual merchant, statement fee and redemption options.