Kotak Urbane Gold Credit Card
3 points per ₹100 eligible purchase, valued at ₹0.07 each for statement cashback after a 2,000-point minimum.
Try your spend →How this estimate works
Kotak says Urbane Gold earns 3 points per complete ₹100 on eligible retail purchases. Its June 2025 change lowered statement cashback redemption to ₹0.07 per point with a 2,000-point redemption minimum; vouchers, shopping and other choices can yield ₹0.10 per point, but are not assumed. The model estimates twelve identical monthly purchases and shows zero usable statement value if the total is below 2,000 points. That is a conservative one-year horizon, not an assertion that the points expire or cannot be used later. Fuel, wallet loads, online skill gaming, insurance, government, rent and education do not earn points. Utility rewards stop at ₹35,000 per statement cycle, so the generic utility chip does not score this card. Kotak lists no joining fee and a ₹199 annual fee waived at ₹15,000 yearly retail spend. The model deducts one ₹199 plus estimated GST and does not assume the waiver. The ₹1 lakh annual-spend PVR tickets or 10,000-point milestone is omitted. Confirm the actual merchant category, redemption threshold and fee before choosing.
Issuer terms
Kotak Urbane Gold rewards and June 2025 changes · Kotak reward redemption options · Kotak annual fee and waiver
Terms checked 29 September 2026. Compare your actual merchant, statement fee and redemption options.