Urbane Benefits

Earn 3x Reward Points
Earn 3x Reward Points
  • Earn 3 reward points against every Rs. 100 of retail spends
  • Every 1000 reward points have a redeemable worth of Rs.100
  • Minimum 1000 points required for redemption
Redeem Reward Points Anywhere
Redeem Rewards Anywhere
  • Say no to Reward Catalogues: Get the freedom to use your reward points for any shopping, anywhere. You can redeem your reward points against all your apparel ,grocery and departmental store purchases.
  • Redeeming made easy: To redeem, simply SMS URBANE followed by the number of points to be redeemed to 5676788.
Zero Charge EMI
Zero Interest
  • No interest, No fee for 3 months
  • Easy & Instant - Just call us for EMI conversion
  • Flexible - Convert any purchase above Rs. 5000/- into EMI
Exciting Offers
Exotic Blends
  • Enjoy an exciting range of offers brought to you as Exotic Blends
  • To know more about the offers available on the Urbane Card
  • Click Here

Urbane Offers

Snapdeal
Bag it today
  • Get a festive hamper worth Rs 3199 when you become a member at Bag It Today.
  • Also, enjoy preview of special deals for Kotak Credit Cards.
  • Offer valid till 31st March,2011.
  • know more
Ferns N Petals
  • 15% Discount on purchases at www.fnp.com
  • 10% Discount on purchases up to Rs.1000 at FNP outlets
  • 15% Discount on purchases above Rs.1501 at FNP oulets
  • know more
BIG Flix.com
  • Buy 1 Month subscription; get 1 month free.
  • Buy 3 Months subscription; get 3 months free.
  • Offer valid till 30 June 2011.
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Landmark Offer
  • Get additional 10% discount on all products at www.landmarkonthenet.com
  • Also avail free shipping till 31 Aug 2010
  • Offer valid from 15 May 2010 to 31 March 2011
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VIP and Flying Machine Offer
  • Get 15% discount on a minimum purchase of Rs. 3000/- & above at Flying Machine stores
  • Get Rs.400 off on a minimum purchase of Rs.3500 /- & above at VIP Lounges.
  • know more
Gold Offer
  • Purchase Eternity Pure Gold Bars and Coins from Kotak Mahindra Bank on your Kotak Credit Card.
  • Convert to No-charge 3 EMI option and enjoy easy payments.
  • know more

Minimal Charges; Simplified for You

  • Just 8 Charges
  • Other's Complicated Fees
  • Kotak Flat Fees
  • Late Payment Charge
  • Range from Rs. 400/- to Rs. 700/-
  • Rs. 550/-
  • Over Limit Charge
  • 2.5% on over limit amount (subject to a minimum of Rs. 500/-)
  • Rs. 500/-
  • Cheque Bounce Payment
  • 2.5% of amount or Rs. 250/- whichever is lower
  • Rs. 500/-
  • Cash Withdrawal /
    Call a Draft /
    Fund Transfer
    (Per Rs. 10,000/- or part thereof)
  • 2.5% or Rs. 250/- to Rs. 300/- whichever is higher
  • Rs. 300/-
  • Foreign Currency Mark Up
  • 3% to 3.5%
  • 3.50%
  • Interest Charges
  • 3.30%
  • 3.30%*
  • Add-on Card
  • Bank dependent
  • Rs. 299/-
  • Joining fee
  • Bank dependent
  • Waived
  • Cash Payment at Branch**
  • Bank dependent
  • Rs.75
  • * Service tax & education cess, would be charged as per statutory regulations on the interest & fees and other charges charged on your Credit Card.
  • ** Charge applicable with effect from 20 Sept 2010

Kotak No Charge Advantage

  • Other Charges
  • Other Credit Card Charges
  • Kotak Credit Card Charges
  • Balance enquiry at other ATMs
  • checked
  • unchecked
  • Lost card replacement charge
  • checked
  • unchecked
  • Charge slip retrieval charge
  • checked
  • unchecked
  • Annual fee
  • checked
  • unchecked
  • Renewal fee
  • checked
  • unchecked
  • Machine surcharge at ATMs
  • checked
  • unchecked
  • Charge for duplicate statement
  • checked
  • unchecked

Eligibility

  • Primary Card holder should be in the age bracket of 21 years to 65 years. Add-on Card holder should be 18 years and above
  • Location – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
  • Income – Rs. 3lakh and above per annum
  • Should be a resident of India